Bridge Loans for Commercial Real Estate Purpose: Short-term financing to bridge the gap between immediate funding needs and long-term financing solutions. -A bridge loan is a short-term loan that helps bridge the gap between a business’s current need for financing while they wait for a more long-term solution to be secured. -Ideal for businesses who […]
Subordinated Debt Purpose: The lender holds a secondary lien position, subordinate to senior debt holders (aka 2nd position). This structure enables businesses to secure additional capital without disrupting existing senior debt arrangements. Benefits: –Second-Lien Position: Subordinated lenders hold a claim on assets that is Jr. to Sr. debt holders. –Flexible Use of Funds: Ideal for expansion projects, acquisitions, or […]
Bridge Loans for Business Purpose: Short-term financing to bridge the gap between immediate funding needs and long-term financing solutions. -A bridge loan is a short-term loan that helps bridge the gap between a business’s current need for financing while they wait for a more long-term solution to be secured. -Ideal for businesses who need to […]
Asset-Based Loans – Loans secured by company assets, such as equipment or inventory. Benefits: -Access to larger funding amounts based on asset value. -Flexible terms ranging from 6 to 36 months.
Invoice Factoring – Purchase Order Financing -Turns pending invoices into immediate working capital. -Benefits: -Improves cash flow by providing advances on outstanding invoices. -Helps businesses manage operations without waiting for customer payments. -Not viewed as debt by credit agencies -Eligibility Criteria – 1-year TIB – Business to Business Invoices. – Royalty based financing available.
Merchant Cash Advances -Provides businesses with a lump sum of capital in exchange for a percentage of future sales. -Benefits: -Quick access to funds, often within 24 hours. -Repayment is flexible and aligns with business revenue. –Eligibility Criteria –550 FICO score -$20k in monthly deposits -6 months TIB
Equipment Loans For businesses that require fast funding to finance vehicles, technology, software, machinery and other equipment for your business. -Benefits -Loan amounts from $1,000 – $500,000 per piece of equipment – Flexible terms from 2 to 5 years -Eligibility Criteria – Credit Score 620 – Time in Business at least one full year – $100,000 in […]
Revolving Lines of Credit – Continuous access to capital for short-term business needs. – Benefits – Credit lines up to $5 million – Only pay interest on the amount used – Can be secured by accounts receivable or inventory –Eligibility Criteria -Credit Score: 600+ -Time in Business: 1+ year -Revenue Requirement: $10,000+ monthly revenue -Collateral: […]
Term Loans Ideal for business expansion, acquisition, debt refinancing, or working capital. – Benefits: – Loan amounts: $1,000 – $15 million – Terms: 5 – 25 years – Fixed or variable interest rates available –Eligibility Criteria -Credit Score: 650+ (flexible for secured loans) -Time in Business: 2+ years (startups may require additional collateral) -Revenue Requirement: […]
ESU-Global discusses Business Lines of Credit: Initial Draw Downs and Financing Options Understanding why business lines of credit may necessitate an immediate initial draw down is crucial. ESU-Global is committed to educating our clients and partners and felt it important that comparing the advantages and disadvantages of business lines of credit against business term loans and working capital […]