YOU WILL BE ABLE TO OFFER MORE SOLUTIONS THAN ANY BANK IN THE COUNTRY
AND ALSO APPROVE WHAT BANKS TYPICALLY DECLINE
One of the main advantages of our program is the wide variety of commercial financing products and instruments you will be able to offer your clients. You will be able to handle small deals in the $25,000 range and larger, more complex deals in the multi-million dollar range. Your finance company will truly be a full-service commercial financing company with over 50 financial products and solutions to finance any business or real estate investor.
Below is a brief summary of some of the types of commercial financing products and instruments you will be able to offer your clients
Every business has to maintain their cash flow in order to remain profitable and healthy. Small to medium-sized (and in some cases large) businesses that make or distribute products and/or provide services to other businesses in virtually every industry can benefit tremendously from A/R Financing.
Any business-to-business company (meaning a business that sells products or services to another business) has accounts and invoices that do not get paid for 30, 60, 90, even 120 days. This has a tremendous effect on cash flow as the business owner is waiting to get paid on goods or services that they already performed. You will be able to offer accounts receivable financing and turn receivables into cash with in 48 hours. Your client receives payment immediately and is therefore able to use the cash in ways that will strengthen their business; e.g. advertising, purchasing new equipment, bringing in additional personnel, etc. The loan is not based on your client’s credit but rather on the business your client sells to. Best of all, you get paid up front and on a continuing monthly basis from your lenders! Residual income at its best.
*Average Commission: Up to 2% of the loan facility / Plus an on-going residual commission paid monthly.
Transaction Size you can do: $100,000 to $20,000,000
Approval Time: 24 hours to 1 week
In today’s lending environment, when it comes to lines of credit, there are a couple of ways a company can secure a line of credit. One of these could be a line of credit secured by a company’s assets, such as accounts receivables and inventory. With more and more banks pulling traditional lines of credit away from companies, this is a very sufficient way to secure a line of credit again. As long as the assets are there to secure the line, our lenders that do these often can reestablish a revolving line of credit that was taken away from a company’s bank. This form of financing is growing rapidly as traditional banks are tightening their criteria and is always cheaper than factoring.
This is another very lucrative and active area of financing that we teach. Due to today’s economic climate, this area of finance is booming as you read this. These loans consist of scenarios where a commercial property owner can’t get traditional financing and they need to act fast to either acquire a commercial property, finish construction, or cash out on their commercial property assets. A distinct advantage of this type of financing is the loan is not based on the owner’s credit but rather on his assets. You will have one of the nation’s largest privately funded bridge lenders to work with. You will be able to provide $1,000,000 to $100,000,000 bridge loans for commercial property and raw land acquisition, development, workouts, bankruptcies, and foreclosures. These can be closed on in as few as 5 days and as few as 2 days for a commitment to fund. The lender that you will work with can do international loans as well.
Millions of businesses are bought and sold each year. About 90 percent of the time, the buyer needs to finance the purchase. Through our program you will learn how to finance virtually any business purchase through your specialized lenders. We will teach you everything you need to know about analyzing a business and structuring the right type of financing for your client. This program alone can earn you a significant amount of income.
These loans are perfect for certain businesses that are rural based. The purpose of the B&I Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities.
B&I loans are normally available in rural areas, which include all areas other than cities or towns of more than 50,000 people and the contiguous and adjacent urbanized area of such cities or towns. Funds can be used for but not limited to: business and industrial acquisitions, business conversions or modernization, purchase of equipment, or purchase or development of land.
Business term loans are one of the most common ways to finance a business for a variety of capital needs. Typically terms loans are structured in 3 to 5 year payback schedules and could be used for equipment purchases, fixes assets, or working capital needs.
In recent years, it has become harder and harder for a small business to obtain term loans because of the increased scrutiny and regulation of FDIC bank. The small business sector is not as profitable for banks compared to middle market banking. There have been numerous private lending companies that have stepped up to fill the void in the term loan sector with improved underwriting and the speed at which they can approve and fund transactions.
These days there are not too many lenders willing to lend to churches being that they are nonprofit organizations. We have a niche product that serves this industry that caters to churches who wish to refinance, purchase, or construct the real estate that a church would have regardless of credit. Terms are very aggressive with rates at 5% fixed for a term of 5 to 7 years with a 25 year amortization with the loan being non-recourse. With our unique platform for this you will have access to dozens of banks who lend to churches.
In today’s commercial real estate market there are a few options to finance properties with one of them being a CMBS loan. CMBS stands for “Commercial Mortgage Backed Securities”. It is a type of mortgage-backed security backed by commercial properties that are “securitized” into a pool, and then transferred to a trust. The trust issues a series of bonds that are sold to investors. These loans are almost always issued by Wall Street investment banks like Goldman Sachs etc. The benefits from a borrowers perspective is a very low interest rate, non-recourse debt, with fixed term up to 10 years with 30 year amortizations. There are only a few investment banks offering these since the crash of 2008 and we have one of the best banks around that issue these.
In today’s market, traditional banks are not willing to take on the risk typically associated with development projects, so this type of financing is in high demand. Our graduates now have a program to offer qualified developers to get their projects funded through a private investment capital source. This program is specifically designed for domestic and international real estate development projects between $5M-$150M USD (first tranche). For the developer, there are a variety of financing structures they can choose from to fit their needs, including interest-only periods, negotiable amortization schedules, balloon terms, and debt/equity options. Our graduates are among the first to offer this product in the commercial finance marketplace. As a Commercial Capital Training graduate, you will have a unique financing instrument to help developers around the world.
The majority of business owners need to finance or refinance the real estate that their business is located in or simply need financing for an investment income generating property. Such properties could include: multifamily, retail, office, self-storage, mixed-use, hotel, motel, warehouse, mobile home parks and many more…You will be able to offer many different structures/terms and unique characteristics that many traditional banks can’t and don’t offer. One of the sources you’ll meet in our training and be approved to do business with offers a 130% LTV product which is very unique within the marketplace. Your finance company will be able to offer a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties.
You will have the unique ability to offer literally any type of business financing programs and options for their customers to take advantage of. This applies to almost any business that sells a service or item that costs $10,000 or less to consumers.
The lender that specializes in this type of financing can finance any consumer with credit scores as low as a 620 fico score. This allows the business to ultimately sell more goods and services to customers that don’t have the cash to purchase whatever the business is selling. The best part is all you do is set up the business with the lender and then you get a residual income stream based on every customer that finances the service or product that the business offers.
Typical businesses may include but limited to: jewelry stores, tuition fees, seminars, travel agencies, tax agencies, gym memberships, furniture, security systems, weight loss programs, medical procedures, buyers clubs and many more!
This is a very flexible and one-of-a-kind financial instrument providing a number of innovative capital options for a well-established or emergent business. This form of financing is much less expensive than equity or sub-debt and can be custom tailored to any business that qualifies. You will be able to provide contract financing for just about any contract where a component of equipment is necessary to complete the contract. There is a provider (usually a smaller company) and an end user (investment grade). The term of the contract can be as short as 12 months, or as long as 10 years. This effectively allows a smaller company to now have the capital to fulfill or go after larger contracts by monetizing the contract they would have with a larger or investment grade company. This can accelerate contract revenues, provide working capital, obtain or refinance the equipment used to fulfill the contract. At the same time this could save money for the (end user) or investment grade company. This works with service agreements, warehouse agreements, distribution agreements, and federal contracts. Contracts could be existing or in the beginning stages of negotiation.
In today’s economy, mergers and acquisitions of corporations take place every day in this ever-changing marketplace. A corporate merger is basically the combination of the assets and liabilities of two firms to form a single business entity. There is usually an exchange of stock where one firm issues new shares to the shareholders of the other firm at a certain ratio. This usually takes place between two equal companies in size, wealth and industry. Corporate acquisition financing is where usually a larger corporation acquires a smaller corporation in the same industry. In order to facilitate these transactions, often companies need the right financing vehicle of either debt or equity in place to execute this financing successfully.
This service is a great compliment to the services you already offer as you will be working with a lot of borrowers who have damaged credit. So now you can refer your clients who have credit challenges to our expert and ethical company to repair their credit and you will get paid for it. This is a success based product where the client does not pay until the negative or derogatory item gets removed. This can be a great add on to any product you offer as your will be already talking to the business owner whether or not they get financing.
These types of transactions are extremely in need and popular in the current economy that we are in. With more and more commercial properties becoming distressed and defaults on the rise, there are investors that see the value in buying up distressed notes on commercial properties for pennies on the dollar. There is also a current trend where banks are “calling” notes to properties in their portfolio as they don’t wish to refinance the property or just simply want out of the loan to recapture their investment. In most cases the bank is willing to “discount” the note to the current owner or investor that wishes to “take out” the bank. Because of these factors, investors need financing for these note acquisitions plus the rehab or renovation capital to turn the property around. This is a very hot area of commercial finance right now.
One of our lenders specializes in this arena. This is a means of financing any company that is related to oil and gas exploration, commodities such as electricity or natural gas or oil and natural gas leases.
You will be able to use assets such as contracts, leases, or the oil and gas reserves to leverage a company’s position to obtain capital.
Equipment leasing is the number one means of financing equipment in America today. Leasing is a $400 billion industry, and we will show you how to get a piece of the pie.
Businesses of all kinds lease equipment to conserve their available cash. When capital is conserved by leasing equipment, it can be used for other company needs (increasing inventories, expanding sales, etc.). A lease is not a loan. Borrowing reduces lines of credit. Leasing is thus a NEW credit source, which allows the customer increased borrowing capacity. It virtually eliminates obsolescence as the business always has the latest and greatest new equipment.
We will teach you how to market to end users (buyers of equipment) and also target vendors (sellers of equipment). We show you how to set up a finance program with vendors so they can start sending you transactions for years to come. If you get 5 vendors set up sending you 5 deals per month, it’s not hard to see the kind of money you could make in a year. Following this strategy, you can make a lot of money for years to come. Many of your lenders will offer 100% financing, no down payment, and a wide range of approvals for A, B, C and D type credits with approvals in less than 24 hours. With some programs that our lenders offer, you can fund equipment up to $150,000 with just a one page application with no required financials or tax returns. These are called “App Only” programs and serve as great selling points to a client or vendor relationship you might have.
This form of financing can be very useful to businesses that normally would not qualify for traditional debt financing for a variety of reasons. Equity financing is simply the act of raising capital for company activities by selling common or preferred stock to individual or institutional investors. In return for the money paid, shareholders receive ownership interests in the corporation. Businesses usually use equity financing when they are unable to raise sufficient funds through retained earnings of when they have to raise additional equity to offset debt. Some benefits to equity financing are a business does not have to worry about repayment in the traditional way. As long as the business makes a profit, the investor or lender will be repaid.
One of the hottest segments in real estate financing right now and happening all over the country is Fix and Flip financing for investors. This is where a real estate investor needs money to purchase a property which can be a single family house or 2, 3, 4 or 5 units or more apartment building and then needs to rehab it to ultimately sell it at a higher price. The capital is essentially used to acquire and then fix the property up to sell. There are many flexible options that our lenders offer but essentially it is short term financing with up to 90% of the purchase and rehab costs and terms out to 15 months with rates starting around 6 percent. Many of our graduates are doing very well with this product.
This is a great niche of financing with unlimited potential. There are thousands of franchises that open up each year. More importantly, the actual franchise concept and potential buyer of a franchise don’t really know many outlets to finance their store. They may only have one or two banks that they work with and those banks have a very strict, limited lending program. A lot of banks are not comfortable with financing franchises because they don’t understand them.
Through our program, you will meet lenders that have a specific program specially designed to finance franchises. We’ll teach you how go out and get clients fast with our powerful marketing program.
Inventory financing is a bank line of credit secured by the company’s inventory. This type of financing can help to free up some of the cash a business may have tied up in inventory for more pressing needs. There are numerous scenarios that would make this financing instrument a viable option for businesses. For instance, a business may enjoy a high inventory turnover rate but is short of the cash needed to replenish its supply, or a business has a warehouse of goods ready to ship, but is short of cash to buy supplies for the next production cycle. Also, inventory financing can be great for businesses who maintain high levels of inventory which ties up most of that business cash. Traditional banks do not offer this type of financing which makes our graduates unique to readily offer this creative form of financing to business.
Joint Venture Capital is similar to a partnership where the parties that enter into a joint venture agreement share in the losses and profits of the project or venture. It is different than a partnership in that the venture or joint venture agreement is for one specific project only.
This is very typical with private investors and clients who wish to partner up with these private investors in order to get a project financed. Sometimes it makes sense from the client’s point of view to bring on a partner who will finance their project in exchange for equity in the client’s project. This comes in handy when the client has trouble in getting conventional financing through his or her bank. Big components to the success of funding these deals are matching up the right lender or investor to the client’s project that makes sense.
This is one type of financing that you will be able to offer both nationally and internationally. There are millions of businesses that do not fit the traditional credit model that banks require today. Instead of using banks, these businesses must turn to private investment companies to fund their projects.
Think about it – private investors would rather invest in sound projects with fixed assets than in the stock market where their money is at a greater risk. You will be able to fund large projects with these private investment companies and advisories. These companies have deep pockets to fund the right type of project. Projects could consist of a development project, venture capital for a new idea, gas and mining exploration financing, equity financing, mezzanine financing and many more. These deals usually range from $5,000,000 to $500,000,000 or more. We will teach you how to target these requests and to ultimately fund these transactions with the lenders you will have access to.
This area of finance is another very lucrative way of earning money. This is a billion dollar industry where you will be able to provide financing to professionals such as physicians, surgeons, dentists, veterinarians, and chiropractors.
From medical practice acquisitions, partner buy-ins, equipment financing to specialized working capital loans, you will be able to provide any type of financing to any medical professional. These are some of the easiest loans to market and finish.
This program is another example of how our program sets us apart from some other limited companies. You will be able to offer specialty financial solutions serving the healthcare industry. Medical professionals alike all have accounts receivables that are collected either 30, 60, 90, or 120 days. This customized program will allow you to offer immediate cash to medical professionals and medical-oriented businesses by converting their receivables into liquid funds.
This program is an excellent solution for cash flow issues, growth capital, acquisitions, urgent financial needs, or reorganizations. Typical clients include, but are not limited to: physicians, group practices, durable medical equipment companies, skilled nursing facilities, MRI centers, surgery centers, hospitals, home infusion providers, and EMS companies.
This type of financing is very valuable for businesses that accept credit cards. You will be a leading provider of working capital to businesses against their future credit card processing sales. This solution gives businesses a convenient way to obtain working capital to use however the business sees fit. Best of all, most businesses don’t even realize that this form of financing exists.
Your lender has one of the most competitive programs in the country that will be available to you. This program offers advances of up to $200,000 and can advance up to 20% to 30% more than a business’ monthly credit card processing average. That is a huge advantage when speaking with customers. Also, there is no fixed payment schedule – The lender gets paid when the business gets paid.
This product is perfect example of residual income. Every business that accepts credit cards as a means of payment has to use a merchant processing company in order to process the credit card transactions. Our graduates have a competitive advantage as our preferred vendor for this service can beat competitors pricing and save the merchant 20% to 35% in fees. That is a huge value proposition to the business owner and our graduates enjoy a good closure rate on this product due to the cost savings and cheaper pricing. Every business is fair game small or large. This product also serves as a perfect cross sell to the business owner if you are already providing them financing. You can kill two birds with one stone.
Mezzanine loans play a very important part in the investment real estate arena. It is typically used to facilitate the acquisition, repositioning or development of real estate projects. More in depth, it could be used for owner recapitalizations and partner buyouts, tenant improvements & capital expenditure, discounted debt note acquisitions, debt paydowns to existing lenders to encourage extensions, first mortgage refinancing shortfalls or acquisitions for core, core-plus, value-added opportunities. It is simply a hybrid of debt and equity financing that is typically used to finance the expansion of existing companies. Mezzanine financing is basically debt capital that gives the lender the rights to convert to an ownership or equity interest in the company if the loan is not paid back in time and in full. It is generally subordinated to debt provided by senior lenders such as banks.
Purchase order financing is an excellent method for a business to obtain quick capital. It is a great solution for when cash flow reserves are low. The problem happens with many businesses because the suppliers want you to pay upfront with a C.O.D., but a company’s customers want to pay you on net 30 or net 60 day terms. Cash flow is a common problem for manufacturing companies especially because while goods are in transit, invoices are not paid. Purchase order financing frees up a company’s cash for critical business expenses or to fulfill larger orders. Another benefit is that it does not show up as debt for the owners business. This makes it possible to not only use extra cash to get discounts on purchases, but it also allows a business to get approved for more financing.
Sale-leaseback financing is designed to unlock the equity a business has in its assets (like machinery and equipment), and convert that equity into cash. This is a very lucrative niche financing product.
Big banks and local banks don’t offer this type of financing and 95% of businesses don’t even know this type of financing can be done. Best of all, the lenders that you will have can finance good and bad credits and they will pay you up to 15% commission per deal.
This program offers the unique ability to profit from consumer financing. This capital solution fits well in the commercial finance business model that we teach. Millions of people across the country have annuities or structured settlements that are currently being paid to them on a monthly basis. This could include law firm settlements, insurance settlements, cell tower leases, and even lottery winners. There can be some unforeseen events in a person’s life where they need cash immediately or simply just want their future payments to be paid all in one lump sum rather than waiting years and years to be fully paid. Through our training you will now have the ability to cash out those payments and provide cash immediately to anybody no matter what the need is or credit of the individual. This is a very lucrative industry where deals can close quickly. Best of all, this is a great product to cross sell while financing a client’s other request.
This unique program consists of offering business owners unsecured lines of credit. This can be offered to both start-up and existing business in all 50 U.S. states. These lines of credit can be funded in as little as 5 to 30 business days with any type of business in any industry. Funding can be secured with just a 1-page application with minimal documentation. Interest rates are as low as 6.25% and 0% interest for the first 12 months. The key benefit to this product is the fact that it is unsecured which is a very attractive option for people just starting a business or for long-established businesses looking to expand. Since this product closes very quickly, you can close several of these per month with very little effort. Our lender is currently experiencing a 90% approval rate with the applications they currently see.
We have a specialized lender that has a specific program to finance used and older air crafts consisting of planes, jets and helicopters. This is a market that is traditionally under served by banks. Plus banks and bigger finance companies don’t like to finance older or used air crafts … just the newer ones. There will be some business owners who have this need and now you will be able to fulfill that need should you come across this request.
Venture Capital (also known as VC or Venture) is a type of private equity capital typically provided for early-stage, high-potential growth companies in the interest of generating a return through an eventual realization event such as an IPO or trade sale of the company. Venture capital investments are generally made as cash in exchange for shares in the invested company. Companies that utilize this form of financing typically don’t have strong company financials due to the early stage that they are in but have a proprietary product or idea that can make an impact in their respective market. As one could imagine, there are a lot of businesses with a great idea, new technology, or product, but they just need an influx of capital to take their business to the next level. This form of financing is usually more expensive than traditional bank financing because of the larger risk to the investor.