Customized Funding Solutions for Every Business Size: Your Success, Your Way
Programs From : $10,000 – $5,000,000
100% Equipment and Machinery financing for 10 years with no pre-payment penalties
Working capital Loans
Funding From : $25,000 – $250,000
We can obtain Working capital for almost any issue. No real collateral ? No problem. Decisions in less than 48 hours
Business Lines of Credit
Access Lines $5,000 – $250,000
We can provide Unsecured Lines of Credit Tailored to Your Business Needs
Commercial Properties loans
Funding From : $25,000 – $250,000
We can finance commercial properties (51% or greater owner occupied) in some cases with as little as 10% down
A quick look at the numbers
NETWORK OF BANKS & LENDING PARTNERS
FUNDED PER YEAR
What our customers have to say about us
USA Funding found a new bank to support a $2.3M new mortgage on my building and all other business services. It is a smaller bank but with personal service. I have developed a good relationship with my account rep and have been very happy with the service. I owe it all to USA Funding.
These advisors are true experts in navigating the complex lending process. In today’s tight credit market, their experience and relationships open doors you would otherwise never even knock on. If you need to explore getting financing, USA Funding is the best way to get your application to as many borrowers as possible.
I’ve had the pleasure to work with John Fudge directly and can’t say enough about his integrity and genuine interest in seeing my company succeed. Happy to do business with him and the rest of the team over at USA Funding in the future.
During the worst time in US history with Covid Jerry was very effective in the process of my remortgage He treated me like I was his only customer on top of everything at all times highly recommend makes you feel very comfortable during the process because it can be very stressful in obtaining business loans and I happen to be a very impatient person if you can make me happy You Gotta be the best thanks Jerry
I have nothing but great things to say about John Fudge and USA Funding. Without John’s hard work and dedication my sba loan would’ve never been approved and funded. I was able to purchase the business of my dreams all thanks to the expertise of John Fudge and USA Funding. We were in limbo on a deal for almost a year and after hiring John we were able to close quickly without any issues. He’s a magic maker! John knows the in’s and out’s of this business and it really shows. It was a pleasure working with him and his team. If you have any sort of sba funding needs John Fudge and USA Funding are your people!
Top-notch service! I am very thankful for John Fudge and his help with my commercial building purchase. He was professional, and very responsive throughout the whole process. I am currently working with him again to purchase another commercial building needed to expend my small business. I highly recommend him and his company to anyone who needs help in obtaining a loan.
What makes us different?
We know there are many options out there. But we are different. Here’s how:
Properly Present Your Business
You only get one chance to make a first impression. Presentation, and selecting the proper lender, is the most important aspect of getting your loan approved quickly. Any irrelevant or conflicting information, financial data, or any modification in government lending programs can result in an immediate turndown for financing. Our team of professionals will eliminate all unnecessary pieces of information and put you in the best light possible to the potential lender.
Please note that our office only chooses to work with highly motivated borrowers, because we can only move as quickly as you do. Typical processing, for motivated clients, can range anywhere from 2 to 4 days for a pre-approval and 30 to 60 days for a closure.
We perform a detailed review of our clients’ financial situation free of cost, in order to determine their ability to obtain financing with one of our partner lenders. Our team of professionals will take a detailed application and orchestrate the entire loan package for you. We will directly coordinate with the borrower’s CPA, attorney and other professionals in order to facilitate a fast approval and then closing.
USA Funding is staffed by a team of accountants and bankers who have over 120 years of combined experience in the industry. All of our staff are familiar with the correct way of packaging and processing both government and commercial loans.
The Lender You Can Trust
USA Funding has a history of working with investors and has built trust with them. This allows us to mitigate any potential financial or credit issues that an applicant may have.
Small Business Loan for Everyone
USA Funding has different products for different situations, which allows it to provide a more tailored solution for each borrower.
USA Funding takes a consultative approach to lending, which allows us to identify and address any financial or sales/marketing weaknesses in an applicant’s business.
High Approval Rate
We understand that getting a small business loan can be a daunting task. That’s why we’re here to help. Our approval rate is among the best in the industry.
Why should I use USA Funding to process and obtain my business loan?
(Why shouldn’t I go directly to the bank?)
All lending (but specifically government lending) is an art and not a science. What this means is that if you cannot present yourself properly to the lender, fail to keep up to date with the changes in the government lending programs, apply to a bank that doesn’t finance your industry, are unfamiliar with the required format of your business plan or complete your projections or any other financial data incorrectly, you will will end up being turned down for financing.
Last year alone, USA Funding successfully processed over $40,000,000 in loans for clients who were turned down by lenders before coming to us for help. These were business owners who were creditworthy but could not navigate the difficult application processes set forth by the lending institutions.
USA Funding is staffed by a team of trained accountants and bankers with over 120 years of combined experience in the Government and Commercial Lending Industry. Our team will quickly ascertain your ability to be approved for financing, provide you with a rate and term quoted by our lender (pre-approval) and furnish you with a complete list of references that we have successfully funded within the last 12 months. All this can be accomplished in 48 hours and at no cost to you!
Most importantly, USA Funding will take a complete application package and will orchestrate any missing items from your accountant and attorney.
In summary, you keep running your business and we will do everything associated with getting you your financing!
Is USA Funding a loan broker? What makes you different from a broker?
USA Funding is the direct correspondent of several banks that share with us their exact requirements for approval. This means we can review all your documentation and know whether or not you are going to pass muster with the loan committee prior to application.
Why should I finance my commercial property through a Government Loan (why not just go to my bank for a commercial mortgage)?
Utilizing a governmental loan to purchase a commercial provides many advantages, such as:
A possible smaller down payment
A straight amortization of 25 years with no balloons
A possible assumability to creditworthy borrowers
More flexibility with underwriting requirements
In some instances, we are able to utilize government lending programs to finance the purchase of 51% owner-occupied real estate with as little as 10% down and up to 40% of the remaining balance fixed for 25 years.
I heard that the SBA process will take forever?
USA Funding is staffed by a team of experts who can complete your request much faster than industry norms. We provide our clients with all requirements for processing their loans immediately after application. Typical closing takes place within a time frame of 30 to 90 days depending on the complexity of the transaction.
Why not just lease the equipment I need through an equipment leasing company?
With an SBA loan, a business can finance 100% of the equipment cost (including installation costs), should they decide to do so. Compare this to standard equipment leasing companies, who will lease your equipment (for shorter periods of time and at much higher interest rates which carry higher monthly payments) and will not cover any installation or set-up costs. Leasing companies have pre-payment penalties for equipment, while SBA does not. Equipment borrowed with an SBA can be prepaid at any time.
Another option is to finance your equipment through your commercial bank. In this case, most commercial lenders traditionally require the potential borrower to inject up to 25% of the equipment cost into the transaction and will only finance the remaining 75% for a five-year term at best (leaving the borrower with a much higher monthly payment).
USA Funding, through our lenders and the SBA, can provide a fully amortized loan for machinery and equipment that carries a 10-year term with no prepayment penalties! In addition, they will also consider financing the setup and rigging of the new equipment if needed. Additionally, and most importantly, SBA loans for machinery and equipment carry no pre-payment penalties and have no balloons.
What will you take for collateral?
As common sense would dictate, the proposed loan must be reasonably secured to assure its repayment. In other words, there should be sufficient collateral to cover the loan amount in case of a default situation.
Lack of collateral, however, is not a determining factor in denying a loan; although if an applicant does have assets, the SBA may ask them to be pledged. Each situation is different and must be reviewed on a “case by case” basis by our team.
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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