Niche Products
100% No Doc Commercial Loans |
SBA Alternative Loan |
Non-Recourse Commercial Financing |
Church Real Estate Financing |
100% Financing for Professionals |
Commercial Financing for Business & Industry |
No Debt Service Requirement |
Business Acquisition/Franchise Start-Up |
Blow Away Church Construction Loan |
Merchant Financing |
Accounts Receivable
100% No Doc Commercial Loans
Ideal for office condos, small businesses looking to buy, & an EASY alternative to tough SBA lending!
- No Money Down!
- Loan amounts up to $1,000,000.00
- 30-Year Amortization
- Excellent rates available!
- Only 25% Owner-Occupancy (SBA requires 51%)
- Local appraisers can be used
- Must have a credit score above 700
- Lower LTV's available for lower credit scores
This product is HOT. Simply put, IT IS THE BEST STATED INCOME PRODUCT ON THE MARKET TODAY! PLEASE REMEMBER THAT RATES AND TERMS WILL VARY BY DEAL - THE STRONGER THE DEAL, THE BETTER THE TERMS. And we close these deals quickly, usually within 45 days!
So, if you have any deals that you would like us to look at or if you have any questions or want more information, please give us a call at:
1-877-645-1104
Return to top
SBA Alternative Loan
THE CHOICE IS CLEAR!
|
COMPARE! | OUR LOAN | SBA LOAN
|
|
Down Payment: | 10% | 10%
|
|
Rates: | Prime + 2 | Prime + 1½ - 2
|
|
Term: | 30 Years | 20-25 Years
|
|
Income Docs: | Stated | Full
|
|
Asset Docs: | Stated | Full
|
|
Average Close Time: | 40-45 days | 60+
|
|
Owner Occupancy: | 25% | 51%
|
Plus SBA charges a 2½ - 3 ½% funding fee that they roll in and lien the Borrowers primary residence as well. It's the biggest no-brainer in the history of the world! Call us for a free analysis of whether this loan saves you money!
Call 877-645-1104!
Return to top
Non-Recourse Commercial Financing
|
Property types: | Apartment complexes, Self-storage facilities, Shopping centers, Mobile home parks
|
|
Loan Proceeds: | Acquisition, Refinance, Cash-out
|
|
Recourse / Personal Guarantees: | None
|
|
Size: | Greater than $1,000,000.00
|
|
Fast Close: | 45-60 days
|
|
Debt Service Coverage: | 1.25%
|
|
LTV: | 75% - 85%
|
|
Term: | 25 - 30 years
|
|
Interest: | Great Fixed Rates
|
The appearance is not a factor for approval. However,
the property MUST be cash flowing. Local and regional banks can NOT match these terms.
Return to top
Church Real Estate Financing
|
Property Types: | Sanctuaries, Schools, Expansion
|
|
Loan Proceeds: | Acquisition, Refinance, Construction, Cash-Out
|
|
Trustee Guarantees: | None
|
|
Size: | $200,000 - $30 million
|
|
Fast Close: | 45-60 days
|
|
Cash Flow Multiple: | 3-4x Unrestricted Contributions
|
|
LTV: | 66% - 80%
|
|
Term: | 25-40 Years; Open-Ended for additional borrowings
|
|
Interest: | Fixed Rate @ 190-220 over Treasuries
|
|
Prepayment: | No Penalty
|
|
Construction Bonds: | None required for qualifying projects
|
Our underwriters are professionally trained to keep the interest of the church a priority. They are experienced in working with churches of all sizes. Thus, they can fund loans for any denominations anywhere in the country! So please call us today at 1-877-645-1104!
Return to top
100% Financing for Professionals
|
Professions: | Doctors, Lawyers and Accountants
|
|
Loan Types: | Floating rate secured
|
|
Loan Proceeds: | Acquisition, Refinance, Construction, Leasehold
|
|
Guarantees: | Personal Guarantees Required
|
|
Size: | up to $5 Million
|
|
Fast Close: | 60 days
|
|
Cash Flow Multiple: | 1.1X Debt Service Coverage
|
|
LTV: | 100% Financing
|
|
Term: | 25 years
|
|
Interest: | Prime Plus 2.5%
|
Our underwriters are professionally trained to keep the interest of the professional a priority. They are experienced in working with borrowers of all sizes. Thus, they can fund loans anywhere in the country! So please call us today at 1-877-645-1104!
Return to top
SBA Loans
COMMERCIAL FINANCING FOR BUSINESS & INDUSTRY
Loan Amounts from $200,000 to $10,000,000
Loans are available for
NEW and EXISTING businesses:
- Repayment terms up to 30 years
- As high as 90% financing
- Competitive rates
- Some balloon payments or call provisions
You can benefit from
FULLY AMORTIZED FINANCING for:
- Purchasing a business
- Expanding a business
- Purchasing equipment or inventory
- Refinancing and debt consolidation
- Purchase or refinance of owner-occupied commercial real estate
We have programs specifically designed for:
- Assisted Living Facilities, Child Care Facilities, Franchise
Purchases, Funeral Homes, Grocery and Convenience Stores, Hotels,
Manufacturing, Medical Offices, Start-up Businesses and many more!
Return to top
NO DEBT SERVICE REQUIREMENT!!!
- Property Types: Multi-Family, Mixed-Use, Office, Retail, Warehouse and Self-Storage Facilities
- Full Doc & Stated Loan Programs Available
- 3-Year, 7-Year & 10-Year Fixed with 30-Year Amortizations
- Multi-Family & Mixed Use programs can go as high as 80% CLTV!
- 75% LTV available for all other property types
- Lender will allow a CLTV as high as 90% with a seller-held 2nd mortgage!!!
- Must have a 625 mid-range credit score or higher
- Loan Amounts have to be less than $625,000
- Pre-payment Penalty: Interest Guarantee plus 3%
**Total first mortgage is dependant on mid-range credit score.
Return to top
Business Acquisition / Franchise Start-Up
Just 10% Down, No Real Estate Necessary!!!
Now Available
For a limited time | The Business Starter Loan
|
|
Features: |
|
|
Loan Amount: | Up to $1,000,000
|
|
Approved Loan Purposes: | Franchise Start-ups
Franchise Acquisitions
Business Acquisitions
Machinery & Equipment Purchases
|
|
LTV: | 90%
|
|
Borrower Injection: | 10%
|
|
Term: | 10 Years
|
|
Interest Rate: | Prime + 1.50% - Prime + 2.75%
|
|
Pre-Payment Fee: | None
|
|
Balloon Payment: | None
|
|
Origination or Points: | None
|
|
Requirements: |
|
|
Borrower's Injection: | Now: 10% / 0% for additional franchise locations (was 15% - 20%)
|
|
Debt Coverage Ratio: | Now: 1.20 for one year (was 1.25 for 2 years)
|
|
Minimum Buyer Salary: | Now: Waived (was $25,000)
|
|
Eligible Businesses: | Must be Privately Held and Operated For-Profit
|
|
Borrower's Experience: | None Required for Approved Franchises
3 Years of Related Experience for Non-Franchise
|
|
Working Capital: | Funds Provided to Cover 3 - 6 Months of Expenses
|
Return to top
Blow Away Church Construction Loan
6.9% Fixed Rate *
- That's fixed during the construction period! You pay interest only during construction!
- That's fixed for 5 years AFTER the construction period.
- Lock in today's rates for tomorrow - no re-pricing at C.O.
- 30 Year amortization keeps the payment low.
- No Pre-Payment Penalty / No Guarantors - This is flat out the best construction loan on the planet.
Return to top
Merchant Financing
When your business finds itself unable to secure working capital from traditional lenders, and your in need to generate cash fast, give Wholesale Commercial Capital Group a call 1-877-645-1104! We can provide you the ability to fund up to $100k of merchant advances to your business.
Merchant Financing is the ideal alternative when you've been turned down by the Bank and need cash immediately. At Wholesale Commercial Capital Group we provide your business with the working capital, to purchase new equipment, remodel or expand your business or pay off debt without accruing a new monthly expense.
This arrangement is setup for established businesses that are not currently in bankruptcy and the rents or mortgages cannot be in arrears. Merchant Financing involves a fixed amount of Credit Card Sales, based on past sales that are sold for cash today and in return, any future receivables are processed through the Finance Processor and a percentage of each payment processed goes towards the Financing being paid back. There is no fixed payment due to you and because this is not a loan it is interest free and available to you in as few as 3 business days.
At Wholesale Commercial Capital we understand that your request for our Service is for a business need now, so we have included below a few things we will request from you to help the process go smoothly so you can receive funding as quickly as possible.
- Completed and Signed Application
- 1 yr Operating History with same owner (No excessive tax liens)
- Proof of Business Ownership( Provide Business License- Corp provide Articles of Inc)
- 4 months merchant credit card statements ( to verify average volume > $5k per month Visa/ MC )
- Voided check from Merchants general bank account
Return to top
Accounts Receivable
Accounts Receivable can help your business when it finds itself unable to secure working capital from traditional lenders in a timely matter, and you're in need of generating cash fast. Give Wholesale Commercial Capital Group a call 1-877-645-1104! Businesses today receive orders from clients for service and or product and in return that client is invoiced for payment of services rendered. Sometimes you the business owner are left waiting for payment for those services.
Let Wholesale Commercial Capital Group provide you the tools you need to expand your business by discounting your account receivable invoices. You the Merchant sell the invoice at a discount and receive up to 90% cash for your payment immediately, with no interest charged as this is a purchase. It's a win situation that keeps you growing, gives you immediate capital and saves you the waiting game. The funding time for your initial transaction is usually five to seven days. Once your account has been set up, cash can be advanced on your invoices and can be wire-transferred to your bank account within 24 hours of invoice date.
Below are items that will be requested from you to help you get approved and process your funding as smoothly and quickly as possible...
- Completed and Signed Application
- 1 yr Operating History with same owner (No excessive tax liens)
- Proof of Business Ownership( Provide Business License- Corp provide Articles of Inc)
- 4 months merchant credit card statements ( to verify average volume > $5k per month Visa/ MC )
- Voided check from Merchants general bank account
Return to top
