Financing Small Business:
How to Raise Capital Using the Best Options

There are various options available these days for financing small business but they need to be chosen with great care to achieve the best possible results for your business.  Banks, financial institutions, angel investors and venture capitalists are some of the well-known funding sources for providing small business loans to enterprises.


Although it is possible to use different sources for obtaining funds for starting your business, it may be a good idea to know how each one works to choose the most suitable type of loan that can work for your particular business.

Why Unsecured Loans Can Be A Good Option For Financing Small Business

Most lenders offer secured business loans, which requires some type of collateral to help guarantee the loan, and they can have longer loan processing periods before approval and dispersal of loan proceeds.


Depending on the nature of the investment, the amount of loan needed and the type of business, it may be necessary to decide if such loans can work in favor of your business.


In addition, the loan repayment capacity of the enterprises is also an important factor that needs to be considered, before applying for any kind of business loans. 


To contrast, unsecured loans offer some unique advantages business owners, as they can have shorter processing time frames and also do not require any collateral. The payment is much faster with flexible terms that makes it easy for borrowers to pay off their debts on time.

Financing Small Business:
Some Available Funding Options 

Starting any business venture requires careful planning and coming up with a sound business strategy that consists of a solid action plan, with objectives that need to be achieved by every company.


However, the biggest obstacle that small companies usually face is the lack of finances to meet their immediate working capital requirements. Small business loans are easily available through private lending agencies, or obtaining funds through a group of investors may be a good option.


Even starting a small business franchise by securing funds from the franchiser can work for some enterprises. 


Alternatively, small enterprises can get loan assistance from a group of investors, who may seek some stake in the company’s future earnings or profits as a condition of granting a loan.


The downside of such loans is that companies will have to share a determined percentage of profits with their partners or lenders. At the same time, some lenders require good credit scores and prefer to fund companies that have established a good business presence and history in the market. 


Unsecured business lines of credit are another type of loan which provides greater flexibility to the borrowers and also usually doesn't require any personal guarantee.


In fact, small business owners may find it easier to secure unsecured lines of credit and have quick access to the capital required to start their business operations.


By using unsecured loans, small enterprises can create a good cushion of safety with their finances which enables them to purchase required machinery or equipment, maintain payroll expenses, manage repairs and pay off their debts. 

How To Find The Best Lenders For Financing Small Business

With the growing number of businesses and their increased funding requirements, private lending agencies have arisen in the last several years.


There are many hard money lending agencies that offer commercial loan assistance to start-up and small companies on easy and flexible terms for loan repayment. They also offer online assistance with quick and easy application forms, makes the approval process much faster and smoother for borrowers.


However, it makes sense to choose lending agencies that are credible and have established a strong presence in the market with some solid experience to get the best funding options.

 

Business Funding Advisors provides a comprehensive range of funding solutions to companies and enterprises that require funding assistance. We provide commercial loans of different types, at competitive rates which allow companies to take advantage of the best possible loan options for achieving the best results.


To apply for small business financing, scroll down to our quick loan application below. If you're applying for a merchant cash advance, fill out our application here.


Restaurant-Retail Loan App

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Small business financing solutions are available in:


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

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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

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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.

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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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