SMALL BUSINESS LOANS

YOUR ONE STOP FOR BUSINESS LOANS

Rental Property Loans starting at 6.30% APR

Fix and flip loans starting at 9.25%

up to 100% financing available

for rehab, value add, and new construction projects


SMALL BUSINESS LOANS

YOUR ONE STOP FOR BUSINESS LOANS

Dustin

Dustin

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.

Call Me today at

903-647-6036

WE PROVIDE THE FUNDING YOU NEED, WHEN YOU NEED IT!


I am here to help you with your business and your working capital needs. We provide loans from $5,000 to over $5 Million, whether you are looking for funding today or long term funding, we have a solution for you. I am here for you, now, and in the future to meet your financial needs.

APPROVED FAST

When working with Dustin, he will get you a quick decision so you can get back to running your business. We will look at any type of credit and, companies that have been in business as little as 3 months. We look for creative solutions to get your business funded.

LENDING EXPERTS

In life there are experts at everything, we are experts at lending and finance. We have the most programs for the most businesses. Not only do we provide business loans, but we provide a free Business Audit, to get your business ready for future success!

QUICK RESPONSE

LENDING EXPERTS

ACCESS TO US 24/7

When working with Dustin, he will get you a quick decision so you can get back to running your business. We will look at any type of credit and, companies that have been in business as little as 3 months. We look for creative solutions to get your business funded.

In life there are experts at everything, we are experts at lending and finance. We have the most programs for the most businesses. Not only do we provide business loans, but we provide a free Business Audit, to get your business ready for future success!

We are here for you, we have been in business for over 15 years and understand the struggles of running your own business. If you have a question in the middle of the night, shoot us an email, odds are we will answer it.

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!

WINE BAR

$110,000 Loan

$1100/per week | Once a Week

Loan Disbursed: 1 Day

Three owners

ICE CREAM PARLOR

$85,000 Loan

$69/per day | 5 Days a Week

Loan Disbursed: 2 Days

Past Bankruptcy

LADIES SHOE STORE

$110,000 Loan

$1100/per week | Once a Week

Loan Disbursed: 1 Day

Three owners

$85,000 Loan

$69/per day | 5 Days a Week

Loan Disbursed: 2 Days

Past Bankruptcy

$250,000 Loan

$499/per day | 5 Days a Week

Loan Disbursed: 1 Day

2 Tax Liens Paid Off

CAREGIVER FACILITY

$185,000 Loan

18 Month Terms | 1.29% Rate

Loan Disbursed: 11 DaysHome Based Business

TRAVEL AGENCY

9 Merchant Cash Advances

Loans Totaling $2.70 Million

Loan Disbursed: 2 Days

FRANCHISE FINANCE

$185,000 Loan

18 Month Terms | 1.29% Rate

Loan Disbursed: 11 Days

Home Based Business

9 Merchant Cash Advances

Loans Totaling $2.70 Million

Loan Disbursed: 2 Days

11 Locations

$490,000 Loan

Loan Disbursed: 6 Days

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

Thinking outside the box

The Wholy Grail 100% Business Acquisition Finance

March 11, 20243 min read

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.

blog author image

Dustin

Dustin is an American Entrepreneur, and Investing Enthusiast.

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FREQUENTLY ASKED QUESTIONS

WHAT LOAN SIZES CAN I APPLY FOR?

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.

WHAT TYPES OF BUSINESSES AND INDUSTRIES DO YOU WORK WITH?

We work with all types of businesses and industries. Small, medium and large businesses work with us to handle their financing needs.

WHAT STATES AND REGIONS DO YOU LEND IN?

We have lenders that work in all 50 States of the US, along with international lenders in Canada and Mexico.

DO YOU OFFER STARTUP FINANCING?

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.

WHAT IS THE USUAL TIME FRAME TO RECEIVE FUNDING?

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.

WHAT ARE YOUR FEES?

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.

DO YOU GUARANTEE SUCCESS?

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.

WHAT CREDIT SCORES ARE NEEDED FOR FUNDING?

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!

903-647-6036