Getting Approved For
Commercial Loans
in Iowa

Getting approved for commercial loans in Iowa can be difficult. However, there are private lenders that can help your business succeed with the right loan type.


Depending on the need the loan for will help you discover the length, and other terms of the loan you receive.  


In addition, you must provide a solid and viable business plan for why the bank or private lender should approve your loan.


There are several types of commercial loans. Figuring out which will work best for your business is important.


Obtaining  commercial loans in Iowa from a bank, or other financial institution often requires that you meet certain criteria.


Evaluations for this type of loan can take several months, even a year to get approved.


Private lenders, on the other hand, have a less restrictive evaluation process and often can get your company a loan within days or weeks.


Bridge Loans in Iowa

Bridge loans in Iowa may be the better solution for your business if you need funding while waiting on an investment payment, or another substantial payment and you need funding right away.


The loan can be used to assist with things like working cash flow, seasonal inventory, payroll, or even expansion. 


Bridge loans are short-term loans that will help your business continue until another primary substantial payment is acquired.


If you are short on collateral, and/or have blemished credit, you can work with the lender to adjust the terms. Using a private lender for this type of loan can help you get funding much faster.


Private lenders often require fewer stipulations and  they offer shorter evaluation periods, allowing you to get your funding within days or weeks, instead of many months like other traditional banks, or financial institutions.


Construction Loans in Iowa

Obtaining a construction loan or “story loan”, as its sometimes called, is much faster than you might imagine, especially when working with private lenders.


Private lenders can provide these types of loans with a less strict evaluation period than banks.


They generally approve or deny these loans based on whether or not they believe the construction project is sound, and with a strong expectation for the loan to be paid back.


If you are doing construction to expand the business, or developing land to start a business, you must show the lender why they should fund your project.


These loans are often high risk loans and require an evaluation of the project itself. They are also short-term loans that are often paid back at the time of completion of the construction.


Iowa Geographical & Regional Information


Iowa is known as “The Hawkeye State." Its population was just over 3 million in 2012. And it is ranked only 26th in the nation.


Iowa spans about 310 miles wide, with a length of 199 miles, making its density rank 30th in the nation.


Iowa also has a income average of $40,000 annually.


The state's manufacturing grosses about $20 billion per year and 16% of Iowa's economy is in manufacturing. 


Ankeny

Davenport

Mason City

Bettendorf

Des Moines

Marshalltown

Burlington

Iowa City

Marion


Cedar Rapids

Waterloo

Fort Wayne

Clinton

West Des Moines

Fort Madison

Coucil Bluffs

Ottumwa

Coralville


Finding Private Lenders in Iowa

If you are looking for commercial loans in Iowa to help grow your business, Iowa private lenders are the better solution.


With fewer stipulations for loan approval, they can provide your company with the money you need faster, and easier than traditional lenders.


And because they're not subject to FDIC regulations, private lenders in Iowa make their own underwriting decisions based on less strict criteria.


For you, the borrower, that means both more loan approvals. For commercial loans in Iowa, it also means quicker funding in days or a few weeks, as opposed to several months...or longer!


If you're looking for commercial loans in Iowa, our consultants at

Business-Funding-Advisors.com can help you. Just fill out the quick form below.


One of our consultants will contact you within 24 hours.



QUICK COMMERCIAL LOAN APPLICATION


We provide FREE, no obligation evaluations, with no upfront costs, or expensive fees for approval to our private lender programs.


- Minimum loan amounts (for commercial building projects): $100K with no maximum.


(Loans approved for commercial only, not single-family residential projects.)


- No pre-payment penalties on programs offered.


We will respond to your loan application within 24 hours!


Commercial Loan App

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Merchant Cash Advance and

Working Capital Loan Programs

are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


Commercial loans are available in:


Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,

 Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


COMMERCIAL LOAN PROGRAM HIGHLIGHTS


Commercial Real Estate Programs

· Lending Area: Nationwide & International


· Loan Size: $100,000-no maximum


· Rates as low as 3.74%

· up to 90% LTV


APPLY HERE

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Commercial Development & Construction Loans

· National & International


· $2MM-$50MM


· Interest Rate: 5-9% Fixed (1% for churches)


· Amortization: up to 25 years


· Zero fees


· Points: Up to 3%, paid at closing


· Term: 5 yrs; also can structure a construction to permanent loan with interest only during draw down periods.


APPLY HERE

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Hard Money Loans Rates and Criteria:

· Loan Size: $100K-$100MM


· Lending Area: National & International


· Collateral: We lend to mainly on commercial real estate, including raw land and development projects


· Interest Rates: 7-14% (rates depend on collateral)


· Amortization: Interest only


· LTV: Up to 80%

· Origination Fee: 1-4%

· Closing time: 1 week to 30 Days


APPLY HERE

___________________


Bridge Loans

· Loan Size: $1MM-$15MM


· LTV: Up to 75%


· Rate: 5-7%


· Term: 1-3 years, Interest Only


· Property Types: Office, Retail, Industrial, Multi-Family, Manufactured Housing, Condominiums, Self Storage, Special Use, Hospitality, Assisted Living/Congregate


APPLY HERE

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Unsecured Business Lines of Credit

· $25,000-$100,000 (start up businesses with no established revenue and business owner with good credit)


· $100,000-$500,000 (established businesses w/ revenue of $1MM or more; no collateral if good credit and financials)


· 0% intro rates on business credit card solutions, to 1-5% over prime for large credit lines.


· No "subprime" unsecured lines


APPLY HERE

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Click Here To Apply for A Business Cash Advance or Working Capital Loan


Bank ACH or Credit Cards


90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

___________________


Restaurant-Retail, 
Small Business Loan Program


  • · Unsecured Loans up to $1,000,000 per location

  • · No Collateral Required

  • · Minimum Annual Sales: $150,000

  • · Minimum: 550 FICO

  • · Must be in business at least 1 month to document sales

  • · Loan amounts below $150,000 require NO tax returns or financial statements


APPLY HERE

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Customer Finance Programs for Businesses

· Can finance your customers down to a 500 FICO;

can finance your turndowns from your current credit provider


· Instant online credit processing and approval


· E-signature capabilities


· Can purchase or collect bad debt portfolios


· Industries include: Medical, Dental, Jewelry Retail, Furniture, Memberships, Private school tuition, Security/Alarms, Vocational Schools, Travel, etc.


APPLY HERE

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Click Here to Apply for

A Private Lender Commercial Loan


- Zero upfront costs, zero fees for approval to our programs.


- Minimum loan amounts: $100K for commercial building projects, with no maximums.


- No pre-payment penalties on programs offered.

_________________


Click Here To Apply for A Merchant Cash Advance or Working Capital Loan


- Bank ACH or Credit Cards


- 90% Approval Rates (for most industries)


- Minimum 4 months in business and $8,000 avg. monthly revenue


- No Collateral Requirements; Bad credit is OK


- One Week Funding


- Borrow $5K-$500K in as little as 24 hrs


- Short, simple loan process


- Streamlined underwriting

_________________________


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