Business Loans Services
USA Funding offers a variety of government, commercial, and business financing services to help your business get the capital it needs
In its attempt to improve the economy, the government has decided to provide support to the growth of small businesses in the form of small business administration (SBA) loans. The purpose of the SBA is to encourage lending institutions to approve small business loan applications submitted by small businesses. The SBA guarantees banks and lenders that a portion of the money owed by small and medium-size enterprises will be repaid, even in the case of a default. Contact USA Funding to determine if an SBA loan may be the right fit for your small to mid-sized business needs.
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The NJEDA has a long history of supporting growth in New Jersey for businesses of all sizes, but support of small to mid-sized businesses has always been one of their top priorities. With creative and versatile loan solutions available to small to mid-sized businesses through the NJEDA, now is an opportune time to finance your business needs. Contact USA Funding to determine if a NJEDA loan may be the right fit for your small to mid-sized company’s needs.
A line of credit is a preset amount of money that a lender has agreed to lend you.
A credit line allows you to borrow in increments, repay it and borrow again as long as the line remains open. Typically, you will be required to pay interest on borrowed balance while the line is open for borrowing, which makes it different from a conventional loan, which is repaid in fixed installments.
Whether you’re a small business owner looking to expand, start a new venture, or overcome temporary challenges, we provide the funding solutions you need. Our fast approval process and flexible terms ensure a hassle-free experience, allowing you to focus on what matters most: growing your business.
With competitive rates and a commitment to customer satisfaction, we are dedicated to helping you unlock your business’s full potential. Take the next step towards success and apply for a Small Business Loan with USA Funding today.
An asset-based loan (ABL) is a type of business financing that is secured by company assets. Most asset-based loans are structured to work as revolving lines of credit. This structuring allows a company to borrow from assets on an ongoing basis to cover expenses or investments as needed
A line of credit is a pre-set amount of money that a bank or credit union has agreed to lend you. You can draw from the line of credit when you need it, up to the maximum amount. You’ll pay interest on the amount you borrow.
If you’re planning a home project or some unexpected car-maintenance expenses come up, a line of credit could be a way to tackle those or other big costs.
Commercial lenders include commercial banks, mutual companies, private lending institutions, hard-money lenders and other financial groups. Commercial lenders specialize in hard money and bridge loans, often those that close quickly, in as little as two weeks
Possessing the proper equipment is essential in ensuring that business operations are running smoothly. Acquiring new and updated equipment, however, can make a serious dent in your cash flow. Fortunately, there are a variety of equipment financing options that can help you get the equipment your business needs.
When a company that’s experienced a period of poor performance moves into a period of financial recovery, it’s called a turnaround. A turnaround loan also refers to the recovery of a nation or region’s economy after a period of recession or stagnation.
A loan workout is a plan of how to restructure debt in the face of foreclosure. It is also called loan modification or mortgage modification. In loan workouts, the homeowner sits down with the lender to discuss modification of terms to the loan in order to make monthly payment minimums and sidestep foreclosure.
A bridge loan used for business purposes is a temporary financing facility that provides short-term funding until a permanent type of financing is in place, or until a commercial debt obligation is removed. Bridge loans range between 1-12 months with either a single repayment often (but not always) provided at the end of the term, or a series of daily, weekly or monthly payments. Rates for this type of financing are usually in the 8-20% range, but can be much higher depending on the type of bridge loan, or bridge-funding facility.
Bridge financing is typically used for working capital purposes, operating capital while waiting for permanent SBA financing, debt repayment, purchasing of commercial real estate and/or development of commercial real estate, but may have more specific purposes like paying a vendor, making company payroll, making a tax lien payment or completely paying off a tax lien, accounts payable needs, purchasing inventory, or waiting to clear a purchase order. A bridge loan usually funds faster than more traditional financing — which makes it appealing to businesses that are waiting for more traditional financing to come available. But with speed in funding comes increased risk for the lender, therefore bridge financing is generally much more expensive than more traditional types of business term loans and lines of credit.
Alternative lending includes business lenders that exist outside of the traditional lending space. The different types of alternative lending these lenders provide include short–term business loans, medium-term business loans, lines of credit, invoice financing, equipment financing, merchant cash advances and more.
Accounts receivable financing is asset-based financing that allows business owners to access capital that’s secured by outstanding invoices. An accounts receivable financing company will advance you up to 100% of the value of a given outstanding invoice, but they’ll charge a fee from the value each week it takes your customers to pay the invoice in full.
Machinery & Equipment financing relates to any and all forms of financing businesses use to obtain commercial equipment. Types of equipment financing include equipment loans, equipment leasing and equipment sale-leaseback. Each equipment financing option varies in credit and capital requirements, structure of the financing facility, along with rates, terms and fees. Leasing equipment allows companies to obtain equipment immediately, without having to pay upfront costs. Equipment loans allow companies to purchase equipment and have full control over the equipment both during the loan term and once payback is completed. Sale-leasebacks allow companies to sell their equipment, while still retaining the ability to use the equipment.
USA Funding has a host of lenders who will finance construction of both owner occupied (51% minimum) commercial buildings as well as investment commercial real estate. Again, knowing how to structure a construction deal is a large part of its success.
Our construction loans will always either convert into a permanent loan after the project is complete OR we will have the permanent loan “in place” before construction begins. This is done to ensure the potential borrower is comfortable that they are not getting into a project that they cannot finance further down the road. Additionally, to protect our clients we will typically make sure that the construction financing is set up on a Draw structure. This means that the borrower will have access to a portion of their funds and can draw funds down as construction is completed. This is done to save the borrower money so they are only paying interest on the money they use, as they use it.
Purchase order financing is a funding solution for businesses that lack the cash flow to access the inventory to complete customer orders. The purchase order financing lender will pay your supplier to manufacture and deliver the goods to the customer.
USA Fundings specializes in acquisition financing across all industries nationwide. Our dedicated M&A lending team has extensive SBA expertise and offers speed-to-market and certainty at closure. Our team of loan experts will help you understand the process of acquiring a business with financing that meets your needs.
Debtor-in-possession financing, or DIP financing, is a special form of financing provided for companies in financial distress, typically during restructuring under corporate bankruptcy law.
Commercial real estate financing can be tricky if not handled correctly. USA Funding has commercial real estate lending partners who, depending on the credit of the deal, will finance up to 80% of the transaction over a 20- or 25-year term all with relative ease. Our lenders will listen to “Explainable” issues and approach the potential deal looking how to accomplish it–rather than how to deny the credit. We work with some of the most aggressive lenders in this area of lending, which is why we succeed on many deals that have been denied before coming to our office.
Further, knowing where to send what deal to (keeping in mind that not all lenders have the same appetite for similar transactions) is a big part of our success rate. Knowing what bank will be interested in which deal is a skill that took us years to develop.
USA Funding is a commercial finance and bank servicing firm which acts as the loan production unit for several of the larger and more aggressive lenders participating in the NJ and NY markets. USA Funding generates processes and closes over a $100 MM a year in loan volume.
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