SBC offers an array of business loan solutions, including SBA Loans and Private Bank SBA Clones, Cash Flow Based(ACH) Loans, Working Capital Loans, Accounts Receivable and Purchase Order Loans including Medical Receivables for Physicians, Clinics and Hospitals, Equipment Leasing, Sale Leasebacks, Medical Financing, and Asset Based Loans, among others. Business Lines of Credit normally have same day approval, and next day funding, simple fees, and can be used over and over again.
Many of these programs will allow for past credit issues, basing underwriting decisions more on cash flow, the value of assets, and purchase orders and contracts, rather than strictly on a FICO score. These lenders know that businesses have their challenges, and work with entrepreneurs to find the right solution to any problem. Most industries are eligible, from retail stores, bars and restaurants, to wholesalers, transportation companies, and service businesses.
Commercial Real Estate Loans
SBC also offers all types of Commercial Real Estate loans, including SBA Loans, Hard Money, Bridge Loans and Construction Loans, for both acquisitions and refinancing. Any type of commercial property funding is available, from Multifamily, Hospitality, Office Buildings, Shopping Centers, Strip Malls, Gas Stations, Mobile Home Parks and more.
We have Small Balance Lenders, specializing in loans as little as $50 or $100k, and major private banks, investment funds, pension funds and Joint Venture partners that can handle projects into the hundreds of millions of dollars. Many of our Bridge Loan and Hard Money lenders can fund loans with stated income, limited docs, and no appraisals in as little as 3-5 days. Whether you are an experienced rehabber looking for Hard Money, or an owner with a stabilized property ready for refinancing we have the solution.
Fix and Flip Funding
Residential Bridge Loans, or Fix and Flip Loans, are specifically designed for investors who are in the business of buying and flipping single family residences. With loan terms from 6-24 months normally, these loans are excellent for SFR's, or small multifamily residences, from 2-4 units. Many of these lenders fund in a matter of days, with minimal docs, such as no credit score requirements, no tax returns, and no appraisals. An experienced rehabber can borrow 70 or 80% LTV, with some offering up to 90% LTV, although the higher amounts may have more stringent documentation requirements.
Some lenders are also offering a rehab loan as an add on to the purchase loan, so that a borrower may come in to the project with as little as 10% down. An investor will always be in a more favorable position if they have more liquid assets to bring to the table, but there are options available for just about any scenario.
Luxury Asset Loans
There are three distinct loan types to choose from with this program. BRIDGE LOANS: Enables the use of your luxury assets to secure short term funding. Typically the cost of a loan is less than the loss you would suffer from quick sale of an asset. TERM LOANS: Allows high net worth individuals to use their luxury assets to borrow a minimum of $100,000 over a longer term, typically 18 months to 36 months. SALE ADVANCE LOANS: Provides an initial advance of capital while our experts manage the sale of your luxury assets. We leverage our relationships with auction houses and private sellers to maximize sales value for you.
Our appraisers have all previously worked for the leading auction houses including Sotheby's, Christie's, Bonhams and Phillips. They are not only experts in their field, but also have excellent auction house connections and a strong network of fellow appraisers with international reach. They proudly hold professional qualifications and are members of professional associations - these include Appraisers Association of America Valuers, Gemological Institute of America, and The Royal Institute of Chartered Surveyors.
Our Publicly Traded Stock lender provides securities based loans to investors looking to maximize the potential of their existing publicly traded securities. Our clients are seeking liquidity for personal or business use without having the need to sell their existing securities. We are able to provide this financing in a fast, streamlined manner with minimal paperwork in as little as a few days.
Most of the stock loan programs we provide are non-purpose requiring no documentation. There is also no credit requirement and no income or employment verification. The only collateral reviewed and evaluated are the pledged securities from our clients. Current rates are in the 5-6% range, better than any SBA loan, hard money real estate loan, and most bank term loans.
Our lender offers lending facilities on most securities traded domestically and on most international exchanges. Our program is unique versus traditional securities based lending programs, commonly referred to as "margin loans".
The maximum amount that most traditional investment banks will lend on a high quality securities portfolio is 50% of its value, and not all securities are considered "marginable". In addition, there is personal liability associated with these traditional types of margin loans.
Conversely, our program allows securities based loan facilities of up to 85% of the value of publicly traded stock portfolios, and up to 95% on high quality government debt at very low fixed rates. A credit line is available, as are set rate and term loans of $100,000 to $100,000,000.
Our Publicly Traded Stock lender provides securities based loans to investors looking to maximize the potential of their existing publicly traded securities. Our clients are seeking liquidity for personal or business use without having the need to sell their existing securities. We are able to provide this financing in a fast, streamlined manner with minimal paperwork in as little as a few days. Current rates are in the 5-6% range. Fast, inexpensive, and easy, what could be better?!