Business Financing

Helping your business become what it should be.

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Business Financing

Our goal is to get every business the financing it needs. We are your go to when it comes to financing, we’ve built a trusted network of lending partners that we work with to get you the financing that fits your business needs NOW. With one application you can save yourself the time, money and stress that comes along with applying to different lenders. You worry about running your business. We’ll take care of the financing.

LINES OF CREDIT

Business lines of credit are similar to credit cards in that they have a limited amount that may be utilized and that amount reverts to being accessible after the card is paid off. The difference is that this is done on a much bigger scale, making it more suitable for major purchases and cash flows in small businesses. A business line of credit works like this: your company is authorized to spend up to a certain amount. You may keep buying and paying off as if it were a credit card as long as you repay enough to stay inside the limit.

WORKING CAPITAL (MCA and ACH) LOANS

Working capital works in the favor of day-to-day business needs. They’re great for short-term repayment plans and smaller loan amounts. All business owners need capital to keep things running smoothly throughout the year which this capital can provide. It’s important to understand the different types of financing there are to ensure that you’re getting the right one for your business.

SBA LOANS

SBA loans provide small businesses with working funds backed up by future bank and credit card deposits. As tempting as it can be, an SBA loan may not be the right solution for your business. It’s easy to obtain from a certain standpoint, the underlying truth is that loan approval is based heavily on annual earnings and credit scores.

Lenders consider three main factors when making the decision about your application:

your current revenue
how much you overleveraged with merchant loans
your credit score

With a high credit score and a good cash flow for your business, you’re more inclined to receive better offers. If you don’t meet the lender’s requirements, seeking other alternatives maybe your best option.

TERM LOANS

Term loans might assist you in taking your company to the next level. They can help your business and capital grow significantly. Each step of the way, it’s critical to grasp the terms of how they work and how they affect your business. A term loan is a lump sum payment with a set repayment period, similar to a regular loan. You’ll be able to pay it off faster because it’s a shortened version of a loan, lasting 3 through 36 months.

EQUIPMENT LOANS

Equipment financing allows to only finance the machinery and equipment needed for the project. By financing your equipment with outside funding, cash flow can remain smooth without working capital or growth capital taking a major hit. Debt is a necessary part of growth in the economy. With more and more industries utilizing alternative funding, it’s important to capitalize on growth opportunities and stay competitive against other businesses.

BRIDGE LOANS

A bridge loan is also often referred to as a fix and flip loan. In short, bridge loans are a short term financing options widely used to acquire and rehab properties for the purposes of reselling or holding. Bridge loans are typically for a 12-month term or less and the payment terms are usually interest only with a balloon payment at maturity. Bridge loans are a great tool for real estate investors to acquire properties quickly and take advantage of the increased value to continue to grow their portfolio.

COMMERCIAL REALESTATE LOANS

With Commerical Real-estate we help our customers gain access to capital both from lenders and investors. Choose from a selection of reduced doc options made for clients who need non-bank flexibility. We work side-by-side with our customers to help them achieve their goals to ensure they have peace of mind.

INVESTMENT PROPERTY LOANS

Investment loans are used to purchase turnkey rental properties or to refinance those you currently own. You can perform a rate and term or cash out refinance. There are several different loan structures such as a 30-year fixed rate, 5-, 7- or 10-year adjustable rate. Typically, private lenders can provide flexible terms based on FICO and property cashflow. These are low-document loans with no personal income verification required.

GET STARTED TODAY

Let’s get you the financing you need to grow your business. Whether you’re looking to expand, purchase equipment, fulfill an order or stabilize your cash flow, we can get you the right type of financing for your needs.

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I'm a small business owner in a field where funding is notoriously difficult to get, at the best of times. We worked with Dennis through IDS, and he came through for us when banks were seeing their worst crisis in a decade and a half. We got two separate Lines of Credit which amount to over a year's funding, the applications for which were far simpler, and therefore quicker than any we had done through other lenders, and held our hand through the whole process. We will happily be doing business with Dennis and IDS again, and will refer our clients with confidence. Thank you again; we couldn't be more thrilled.

Scott Schuster Owner Paw-sitively Purrfect

Infinite Development Strategies. Dennis and Tasha, you guys are Amazing!! I appreciate ALL the Help, that you guys have given me. With the startup of my Dream - that is Now a Reality. Purposefully Perfected Events LLC I will be Forever Grateful

Vonnie Floyd Owner Purposefully Perfected Events

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