The deregulation of the banking industry has made new choices available that never existed before. One of these is the availability of money through non-traditional lending sources.

The types of business loans vary to your specific business needs. Here are just a few of the loans that can be arranged by a Business Finance Consultant: 

Business Financing Products 

Asset-Based Loan
An asset-based loan is a loan secured by a lien against certain assets of a company.The loan may be funded as one or both of two different types of loan: 1) a line of credit against eligible commercial accounts receivable, and 2) a term debt loan.We lend more on eligible commercial accounts receivable than banks do and for a longer period of time.

Accounts Receivable Line
This is a revolving credit line against a company's eligible commercial accounts receivable only.It's also referred to as a working capital loan, the borrowed funds being used for short term uses such as payroll, paying vendors, the utility bills, building rent, and so on.The money is paid back as business customers pay for their invoices.We generally use the eligible commercial accounts receivable only as collateral, leaving the other assets of the company available as collateral for other borrowings.

Term Debt Loan
The term debt loan is a single loan made to a company, which is paid back over a term longer than one year.Principal and interest payments are usually made monthly, and can be set up with either fixed or floating interest.Although the loan can be used for a variety of purposes, its function is to finance the growth of the business.

Equipment Lease or Loan
This is financing of equipment in either the form of a lease or loan.The business consultant will analyze the specifics of the company's situation to determine the best financing tool including effects of each type of financing on the financial statements of the company.

Factoring
Rather than lending on a company's eligible commercial accounts receivable, a factor (lending company) will purchase the receivables.This provides the company with quick cash and relieves it of collection efforts.The loan consultant can explain the advantages of this type of financing and it's effects on the company's financial statements.

Purchase Order Financing
It often happens that a small business has an order for a product or service that is too big for it to fulfill, because to do so would require more cash than the company can borrow from a bank.For those situations that qualify, the funds are advanced to fulfill the purchase order, and a factoring lender will receive the customer's payment.The company thereby makes a substantial profit it would otherwise not have made.

Unsecured Line of Credit ( Personal and Business)
This isa line of credit either personal or in the name of the company in which no collateral is needed for the loan.Generally, the maximum amount is $250,000.

Merchant Financing
Funds are advanced against future credit card receipts from as little as $3,000 to as much as $250,000.The loan is generally for one year and a certain percentage is deducted from each Visa/Mastercard transaction to facilitate payment.

SBA Loans (Includes Start-Up Loans for New Businesses)
SBA guarantees loans for small businesses who have limited access to business financing.Loans can be made to start up a new business, purchase an existing business, purchase additional inventory, purchase new equipment and machinery, for general working capital and to refinance an existing loan.If you are planning to start a business, your best opportunity to obtain financing may be the assistance offered by a Business Finance Consultant. Through their network they have provided capital for hundreds of start up businesses nationwide.

Bank Replacement Financing
Working with Ameriwealth, you will be able to replace unfavorable bank financing with non-bank financing products, enabling your company to increase cash flow, free up assets and perform and grow as never before.Your income statement and balance sheet will show the difference.

Franchise Loans
If you are considering the purchase of a franchise business, a Business Finance Consultant can help.Whether it is a restaurant, retail or service related business, a Business Financial Consultant can help you achieve the dream of owning your own business.

Purchase or Construction Loans
If youare considering a purchase or construction of commercial real estate, we can offer you up to 90% financing whether it's owner/user or strictly an investment.We have access to some of the most aggressive programs in the industry, and with loan terms up to 25 years, you'll be surprised at how easy owning commercial real estate can be.

A Business Finance Consultant can give your business access to all of these types of financing and more. With one phone call you, can have dozens of lending sources competing for your loan. Once you have experienced the high level of customer service, competitive pricing and wide selection of financing options you will understand why many business owners view Business Finance Consultants as their most important asset.

Call now!

Get a free, no cost evaluation of your financial wants and needs

3 East Stow Rd.Suite 240,Marlton, N.J. 08053

1-800-481-5988

www.ameriwealth.com