The following information will help you understand the different types of financing that we can help you with. Click here to submit a Loan Request.

Funding Categories

1) Working Capital - Merchant advances, micro loans, business credit cards
2) Commercial Finance - Asset loans, receivable factoring, purchase order financing
3) Equipment Finance - Equipment leasing, software loans, and cash-out leasebacks
4) Small Business Loans - SBA Small business loans, development loans, start-up loans
5) Equity Investments - Venture capital, investment banks, SBIC investors
6) Commercial Mortgages - Commercial real estate, mortgage bankers, construction loans

1) Working Capital

Working Capital Loans can be obtained and used for most business purposes including:
  • Construction, renovation or leasehold improvements.
  • To purchase furniture, fixtures, machinery, or equipment.
  • For the flooring of inventory and for working capital (payroll).
  • As a down payment to finance the purchase of real estate for the business.

    Capital Type:

    Business Micro Loans - These are working capital loans typically funded from $5,000 to $35,000 and used for any business purpose.

    Credit Card Receipt Advances - A cash advance loan up to a $100,000 that is secured against your regular occurring monthly merchant credit receipts. The loan is paid back via automatic deduction from future credit card transactions.

    Sell Account Receivables - Your account receivables are purchased at a small discount and you get cash now.

    Business Credit Cards - These loans are unsecured and usually do not exceed $25,000. Loan limits are based on your personal credit score and not your time in business.

    Sale and Leaseback - Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax can be an issue here with this type of funding.

2) Commercial Finance

Commercial Finance includes:
  • Asset based loans, invoice factoring, purchase order advances.
  • TCredit card receipt advances, working capital credit lines.
  • TExpansion, franchise, inventory, import/export financing.

    Capital Type:

    Account Receivable Factoring - Account receivable factoring serves as collateral for short term working capital loans that you can obtain fast and cost effectively.

    Asset Based Loan - Seeking to convert a company assets into working capital. Giving a security in an asset(s) in exchange for cash.

    Bankruptcy/Reorganization - Financing to reorganize in company in a turnaround. Typically secured by assets; equipment, inventory, A/R, PO's, etc.

    Expansion Financing - Growth has outpaced existing business. Loan for existing demand. Key here is existing demand, not projected.

    Import and Export - Loans to promote the shipping or receiving of products or materials. Based on existing market, demand or orders.

    Inventory Loan - A loan typically made as part of a relationship where the lender will also provide retail financing for the product.

    Purchase Order Financing - Loans on the written order to purchase goods at a stipulated price with an agreed to delivery date. Credit rating of orderer is key.

    Secured Credit Line - A pre-arranged amount of credit based upon existing inventory, A/R and PO's.

    Merchant Account Advance - Up to a $100,000 advance against regular occurring monthly merchant credit receipts.

3) Equipment Finance

Finance the equipment you need rather than purchasing outright:
  • Provides the equipment, software, and furniture your business needs now!
  • Does not tie up your cash, receivables, credit cards, or bank lines (lease).
  • Reduces the amount of cash you need and can be expensed for taxes.

    Capital Type:

    Equipment Loan - Making of a loan using the equipment as collateral. Good operating history, credit rating, debt ratios are the keys.

    Equipment Leasing - Contract for a fixed period of time in exchange for payments, usually in the form of rent for equipment. Typically lower credit requirements.

    Municipal Equipment Leasing - A lease transaction with any government agency (i.e. Federal, State, County, City etc.).

    Equipment Sale and Leaseback - Sale of an asset for cash, with a contract to lease the asset back from the funding source purchasing the asset. Sales tax an issue here.

4) Small Business Loans

Small Business Loans can be used for most business purposes:
  • The purchase of real estate to house the business.
  • Construction, renovation or leasehold improvements.
  • To purchase furniture, fixtures, machinery, or equipment.
  • For the flooring of inventory and for working capital.

    Capital Type:

    Micro Loans - $5,000 to $35,000 small business loans that can be used for any business purpose.

    7A: SBA Loan Guaranty - Loans to small businesses from private-sector lenders (banks, etc.) which are guaranteed by the SBA. The SBA has no funds for direct lending.

    Franchise Financing - Specialized financing reserved for the franchisees of recognized, typically nationally known, franchises.

    Certified Development SBA 504 - Loans to small businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. CDCs work with the SBA and private-sector lenders to provide the financing.

    Federal Export Assistance Loans - Export financing of U.S. goods and services through a variety of loan, guarantee, and insurance programs. (Import-Export Bank Programs)

5) Equity Investments

Equity Investments investments are for companies with:
  • More than $25 million in gross revenue potential.
  • Large National or International market potential.
  • Management teams with successful track records.

    Capital Type:

    Equity Loan - Offer of an ownership position to induce the loan or can be a note that has an option to convert from debt to equity.

    First Round Funding - Typically funding that accomodates growth. Company may have finished R&D. Funding is often in the form of a convertible bond.

    Second Round Funding - Maturing company where a future leveraged buyout, merger or acquisition and/or initial public offering is a viable option.

    Later Stage Funding - Mature company where funds are needed to support major expansion or new product development. Company is profitable or breakeven.

    Merger and Acquisition Funding - The combination of two companies. If one company survives, it is a merger. If both survive, it is an acquisition.

    Mezzanine Funding - Company's progress makes positioning for an Initial Public Offering viable. Venture funds are used to support the IPO.

    Seed/Startup Funding - Earliest stage of business, typically no operating history. Investment is based on a business plan, the management group backgrounds along with the market and financial projections.

6) Commercial Mortgages

Commercial mortgages and real estate loan types:
  • Shopping centers, industrial buildings, office buildings
  • Golf courses, resorts, hotels, parking garages, car washes
  • Construction loans, ground leases, seconds, wraparounds, etc.

    Capital Type:

    Acquisition and Development - Raw land infrastructure development (streets, utilities, etc.)

    Adjustable Commercial Mortgage - Interest moves with a specific index (Prime, T-Bills, etc.)

    Construction Mini-Perm - Construction with 3 to 5 year loan, usually on income property.

    Construction Loan with Take-out - Construction with pre-arranged takeout loan in place.

    Fixed Rate Commercial Mortgage - Interest Rate remains constant throughout the term.

    Hard Money Loan - Loans from private lenders based primarily on the hard asset value (commercial building, vacant land, etc.).

    Interim Loan - A short term (2 yrs or less), bridge or project type loan.

    Joint Venture - A financial partner in the development of real estate.

    Participating Mortgage - Lender receives a kicker for gross income above a preset level.

    Real Estate Sale and Leaseback - Lender purchases land and leases back to borrower (generally developer) for a fixed rent plus other considerations. Mortgages are issued on leasehold at market rates. Usually, produces more dollars than a mortgage.

    Real Estate Purchase Loan - Lending for the purchase of commercial real estate.

    Second Mortgage (Commercial) - Loan secured by equity behind that of the first lien.

    Wraparound - Lender makes a second mortgage and assumes the first mortgage.

Business Loans

We work with some of the top lenders in business and real estate finance.

Commercial Loans

If you are looking for a commercial loan for hotel, motel, office, industrial, mini-storage or retail, we can help you.

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