Green Energy Loans:

• Green energy loans from $1k to $50 million:

• Including-commercial and residential "energy conversation" retro-fits, and LED installations.

• Terms up to 20 years-depending on loan size.

• All property types, including municipalities, schools, non-profits.

• Green products or energy conservation benefit must be demonstrated.

Heavy Equipment/Vehicle Leasing + Financing

• All commercial equipment including excavation, over the road vehicles, can be leased or term financed.

• Also Includes handicapped mobility vehicles for consumer usage.

• Special programs for Veterans.

• Terms coincide with economic useful life of equipment/vehicle.

• Used or New leasing available.

Merchant and Business Services

• Employee Payroll Debit Cards:
  

• Restaurants, construction, unbanked employees, barter industry, schools
  

• Mobil transfers-low cost alternative to banks, check cashing, foreign payments
  

• No cost for employer and no card or monthly min. fees to employees.

• Merchant credit/debit card processing: Guaranteed lowest rates, no hidden costs or minimums.

• Unsecured Business Loans:

• 550 credit score

• in business 4 months-retail

• in business 12 months-services

• terms-6 months to 36 months

Business to Business Loans:

• Commercial account receivables great alternative funding source for capital. Usually bank

• Bank turndowns not an issue.

• Typical industries include:

• Transportation

• Wholesale

• Staff Leasing

• Medical

• Government contracts

• IT

• Energy providers

Businees/Commercial/Franchise/Private Equity

BUSINESS-unsecured business lines of credit, unsecured term loans, working capital,
business only purchase (no real estate),start-ups

COMMERCIAL-start-ups, cash-out refi, private/hard money,gas station/c-stores

Franchise-start-up, equipment for new franchise,working capital, territory purchase,
term loans,

Private/Hard Money-up to 70% (usually 50-60%)up to 5 yrs. %only, all business types,

Contractors/Transportation/Medical-accounts receivable factoring

Quick Unsecured Loan Overview:

UBLOC-unsecured business line of credit-similar to business credit card
Amount-$10k to 100k-if partner's-up to 200k
Credit: 720+, 45% revolving credit utilization, no negatives of any kind
Income-stated or projected if start-up
Rates-8%-12.99%
Initial period-no interest for 6 months or very low teaser rate
Repayment-revolving but generally 1-2% of outstanding amount
Access-business credit card, debit card, check, cash request
Fees-4-5%
Funding: 3-8wks

Used For: Any business purpose, especially working capital, start-ups, franchise purchases, combination with other financing
Time in Business: No seasoning but business identity (ein#) required

Business Loan Overview:

Here are some of the lending niches available to Business Owners:

UNSECURED BUSINESS LINES OF CREDIT: $25k to $250k. Very good credit required but no
income verification and can be used for any business purpose. Works great for start-ups, working capital, funds needed to close a deal with seller financing.

Microloan to 25k for any business purpose. Start-ups fine. Installment loan.

Business installment loan to 50k. 6 months in business required. Credit to 600.

Unsecured business line of credit to 100k. 3 yrs of business required.

Private/Hard money loans for investment,cash out, commercial property. 5 yrs. interest
only, 50-80% ltv, rates 8-11%. Creative use of equity such as combining other collateral, using market value rather than purchase price. Qualifying usually from
business cash flow of property. Credit not usually an issue.

Equipment financing. Sale/leaseback for start-ups to 30k. Otherwise, usually 100%
financing of equipment costs.

Gas station underground tank financing. Installment loans over 5-7 years.

Seller held notes-secured and unsecured. All considered with some seasoning-usually
minimum of 6 months.