up to 100% financing available
for rehab, value add, and new construction projects
YOUR ONE STOP FOR BUSINESS LOANS
Dustin is a family man and entrepreneur from Miami, Florida, but calls North Dallas home now. He has spent the last 15 years working in the construction industry.
Dustin specializes at connecting small and medium-sized Businesses with the most suitable financing options. He leverages his industry expertise and established lender relationships to secure the capital needed to achieve your business goals.
In his spare time he enjoys traveling to the mountains and the beaches. and spending time with his family.
LENDING EXPERTS
LOOKING FOR CASH THIS WEEK?
OUR BUSINESS FUNDING ADVANTAGE
1 PAGE APPLICATION
3 MONTHS BUSINESS BANK STATEMENTS
24-48 HR APPROVAL
NO TAX RETURNS
NO MINIMUM CREDIT SCORE
SCHEDULE YOUR FREE BUSINESS AUDIT TODAY!
WHAT MY CLIENTS SAY ABOUT ME
"Dustin was a life-saver! I had an emergency and had a choice, find a way to keep my business open, or shut my doors forever. Dustin, got me the money I needed fast, and the best part is the process was super easy!"
• Jane Smith | Tampa, FL
Unlocking Opportunities: Combining Working Capital and SBA Loans for 100% Financing on Business Purchases
In the dynamic landscape of business acquisitions, securing financing is often a critical step for entrepreneurs looking to embark on new ventures or expand their existing enterprises. While traditional lending avenues may require substantial down payments or impeccable credit histories, innovative financing solutions like WORKING CAPITAL LOAN and Small Business Administration (SBA) loans offer alternative pathways to fund acquisitions. In this blog post, we'll explore how savvy entrepreneurs can combine a WORKING CAPITAL LOAN and SBA loan to achieve 100% financing for business purchases, unlocking new opportunities for growth and success.
Understanding a Working Capital Loan and SBA Loan
1. WORKING CAPITAL LOAN:
Working Capital Loans provide businesses with upfront capital in exchange for a percentage of future credit card sales or receivables. This flexible financing option appeals to businesses with fluctuating cash flows or those seeking quick access to funds without the stringent requirements of traditional bank loans.
2. Small Business Administration (SBA) Loans:
SBA loans are government-backed loans designed to support small businesses with competitive terms and favorable repayment terms. These loans offer lower down payments, longer repayment periods, and attractive interest rates, making them an appealing option for entrepreneurs seeking to acquire or expand businesses.
The Power of Combination: Working Capital Loan + SBA
1. WORKING CAPITAL for Initial Capital Injection:
Entrepreneurs can leverage Working Capital loans to secure the initial capital needed to facilitate the business purchase. Working Capital Loan providers assess the business's gross sales and receivables to determine the loan amount, providing a swift and accessible funding solution to kickstart the acquisition process.
2. SBA Loan for Long-Term Financing:
Once the business acquisition is underway and generating revenue, entrepreneurs can pursue SBA loans to refinance or consolidate existing debt, including the Working Capital Loan. SBA loans offer longer repayment terms and lower interest rates, enabling entrepreneurs to transition from short-term financing solutions to more sustainable, cost-effective options.
Benefits of Combining WORKING CAPITAL and SBA Loans
1. 100% Financing: By combining Working Capital Loan and SBA loans, entrepreneurs can achieve 100% financing for business acquisitions, eliminating the need for substantial down payments or personal assets as collateral.
2. Diverse Financing Options: Working Capital loans provide quick access to capital, allowing entrepreneurs to seize time-sensitive opportunities, while SBA loans offer long-term stability and favorable terms for sustainable growth.
3. Improved Cash Flow Management: Working Capital Loans align with the business's revenue streams, offering flexible repayment structures based on future sales. Meanwhile, SBA loans provide predictable repayment schedules, enabling entrepreneurs to manage cash flow more effectively and allocate resources strategically.
4. Mitigated Risk: By diversifying financing sources, entrepreneurs reduce reliance on a single lender or financing instrument, spreading risk and safeguarding against unforeseen challenges or market fluctuations.
Conclusion: A Winning Strategy for Business Acquisition
In conclusion, combining a Working Capital Loan and SBA loan presents a compelling strategy for entrepreneurs seeking 100% financing for business purchases. By leveraging the strengths of each financing option, entrepreneurs can access the capital needed to pursue acquisitions confidently while optimizing cash flow management and mitigating risk. As with any financial strategy, careful planning, and consultation with experienced professionals are essential to ensure alignment with business objectives and regulatory requirements. With the right approach, the synergy between a Working Capital Loan and SBA loan can propel entrepreneurs towards entrepreneurial success, unlocking new opportunities for growth and prosperity in the competitive business landscape.
We handle all commercial loan sizes from $5,000 for small merchant cash advances, to well over $5,000,000 for SBA 7(a) programs.
We work with all types of businesses and industries. Small, medium and large businesses work with us to handle their financing needs.
We have lenders that work in all 50 States of the US, along with international lenders in Canada and Mexico.
The only start-up financing we handle are SBA 7(a) financing, equipment financing, and loans against ones stocks (commonly-used to fund franchise businesses). Once you have been in business for 3 months we do offer Working capital loans at that point.
The time period for funding depends on the type of loan the business is seeking. For SBA and traditional financing, the time frame can be between 30-180 days. For alternative financing between 5-10 days. Working Capital takes 1-2 days.
We charge you nothing out-of-pocket. Most of the time we get paid a success fee from the lenders. In some situations relating to traditional financing where the lender does not offer a referral fee, we charge between 1-2% of the final facility amount, and it would only be due at funding.
No. But we are confident that we are among the most successful financing brokers at finding our clients the best possible financing for their companies.
Generally, to qualify for bank and SBA financing, a business owner needs to have a credit score over 650. For other forms of alternative financing there is not minimum credit score requirement, but with increased lender risk will result in higher borrower costs. For our DSCR Rental Loans you will need a 640 Minimum Credit Score.
Call Me today!