4 Types of Small Business Loans

SBA Loan
Millions of small businesses take advantage of these long-term, low-interest loans every year. These loans are offered through traditional banks and backed by the government. Capital Incoming and Funding, LLC offers several different SBA loan products from; SBA 7a, SBA 504, and SBA Express
Loan Amount: $35,000 – $5,000,000
Loan Term: 25 Years
Payment Frequency: Monthly

Traditional Term Business Loan
A term loan is like a “normal” business loan that can be used for a wide range of business purposes. Generally, term loans provide a fixed payment over 1 to 5 years and are normally backed by collateral. If your personal credit is approximately 650 or above and you have been in business for at least two years a term loan might be the best option for your business.
Loan Amount: $25,000 – $500,000
Loan Term: 1-5 Years Payment Frequency: Monthly

Merchant Cash Advance
A cash advance is a solid option for business owners in need of fast access to capital. These financing options allow you to borrow against future earnings and fund immediately.
Loan Amount: $5,000 – $200,000
Loan Term: 3 Months – 24 Months
Payment Frequency: Daily / Weekly / Monthly

Business Line of Credit
A business line of credit is often times the best type of financing available for business owners. The line of credit gives you capital to draw upon to meet a variety of business needs. It’s a financial cushion for a fixed amount that you can exercise anytime.
Loan Amount: $1,000 – $500,000
Loan Term: 1-20 Years
Payment Frequency: Monthly

Our Corporate Credit Program helps you to build a business credit score that will help you establish business credit and financing, regardless of your personal credit! We have a creative capital and business credit building program providers.

WHO “SELLS” BUSINESS CREDIT? Please DON’T get ripped off, build credit, don’t buy it!
BUSINESS STRUCTURES Learn the best company structure to use when applying for business credit.
ADVERTISING TO GROW YOUR BUSINESS Sell to thousands of clients across the nation looking to build their buying power!

Here is a list of the types of properties and commercial assets that we will finance:

Eligible Property Types: Other Assets:

• Multifamily/Apartments/Fix&Flip

• Anchored Retail Shopping Centers

• Strip Retail Shopping Centers

• Mixed Use (Residential/Commercial)

• Office (Class A-C) Business Loans

• Medical Office

• Residential Condo Complex / Rehab & Conversion

• Student Housing

• Warehouses / Distribution / Flex

• Industrial & Technology

• Hotel / Motel / Resort / Extend-stay

• Parking Garage & Surface lots

• Self Storage

• Mobile Home Parks

• Franchises (nationally recognized only)

• *Special Use Properties

*Special Use: Restaurant/Bar, Car Wash, Gas

Station, Golf, Marina, Auto Repair, etc.)

Bank Guarantee/SBLC/LC Instrument Monetization

Bonds/Securities/Treasuries

Technology & Corporate Expansion

Mining, Biofuel, Mineral, Metals

Debtor-In-Possession (DIP)

Condo Unit Inventory Loans

Energy Related Projects (Wind, Solar, Hydro-electric, etc.)

ADC – Acquisition, Development, Construction

Sale/Leaseback Arrangements

Trade Finance (Accounts payable; invoice factoring; delivery contracts; import/export)

Supply Contract Financing

Import/Export Contracts

Oil, Gas, Minerals, Power

Projects We DO NOT Finance:

• Agricultural projects

• Raw land (unless combined with an ADC loan)

• Entertainment projects (film, etc.)

• Venture capital

Our commercial loan programs are broken down into FOUR primary categories:

Loan Categories:

Micro Loan Program ($250,000 – $2,000,000)

Small Balance Loan Program ($2M – $10M)

Mid-cap Loan Program ($10M – $100M)

Large-cap Loan Program ($100M – $750M)

Each project is unique! Commercial loan terms can vary depending upon the type of project and overall risk associated with the borrower/sponsor. We take great care in evaluating each request from a “common-sense” perspective, and find ways to make it work.

Grow Sales & Expand Your Market
WE MAKE FINANCING EASY
• We Approve Challenged Credit (>600 FICO)
• Instant Credit Decisions
• Easy Open To Buy, With No Impact toCredit Score
• Integration with Your Website
• One Platform Multiple Lenders
• Ease of use - your staff will love it!

YOUR MEDICAL PRACTICES CLIENTS CAN NOW
• Offer Financing for a variety of procedures
• Move patients from the waiting room to theoperating room faster
• Receive funds within 48 hours of procedurecompletion
• Eliminate the need to provide in-house financing
• Eliminate accounts receivable headaches

With our unique patient financing platform, we help strategic partners expand market share and unit sales by bundling a patient finance option with their surgical procedure or medical device. Now procedures or devices &a