Business Funding
Business Funding for ANY Purpose (Including Real Estate Funding)
BUSINESS Term LOANS
Pre-qualify for a loan between $25,000 to $5 Million
0% APR Business Funding
Acquire fast and easy business funding at 0% APR
Fix & Flip Real Estate Loans
Rates Starting at 8.99% at 80-100% Purchase Funding
Commercial Real Estate
Upwards of $100 Million with 30 Year Terms Available
BUSINESS Term LOANS
Pre-qualify for a loan between $25,000 to $5 Million
āļø Term Loans for Existing Businesses and Start Ups
āļø 6 Months to 10 Year Terms
āļø Contact Platinum Financing to prequalify for a term loan
Term Loan: A traditional loan where you receive the funding upfront and repay the principal plus interest over a set period, providing stability and predictability in your financial planning.
Business Line of Credit
āļø 6+ Months in Business
āļø $5,000+ Monthly Gross Sales
āļø 600+ FICO Score
Business Line of Credit: It provides you with access to funds as needed. You only pay interest on the amount borrowed or utilized, making it a versatile solution for managing cash flow and seizing opportunities.
Merchant cash advance
āļø 3+ Months in Business Bank Statements
āļø $5,000+ Monthly Gross Sales
āļø Fast Funding
āļø No Minimum FICO
Merchant Cash Advance: Ideal for businesses with fluctuating sales, a merchant cash advance allows you to borrow against future credit card sales or daily deposits. Repayment is based on a percentage of daily sales, offering flexibility during revenue fluctuations.
Equipment Financing
āļø No Minimum Time in Business
āļø No Minimum Monthly Gross Sales
āļø 580+FICO
Equipment Financing: Gain a competitive edge with upfront equipment financing, allowing you to acquire essential assets and pay off the cost over the equipmentās useful life, optimizing cash flow.
Accounts Receivables Financing
āļø Aging AR Report Required
āļø $500,000+ Annual Gross Sales
āļø No Minimum FICO
Accounts Receivable (AR) Financing: Leverage your outstanding invoices to access capital quickly. AR Financing offers lower rates and uses your invoices as collateral, providing liquidity to your business.
0% APR Business Funding
Platinum Financing Group has successfully assisted business owners in obtaining business credit cards without the need to provide financials, provided they have a strong credit history in place.
With a 0% APR business credit card, you can benefit from an interest-free period for both balance transfers and purchases. The duration of the 0% APR varies depending on the credit card.
āOne of the significant advantages of these business credit cards is their ability to facilitate the transfer and settlement of high-interest credit card balances and loans effectively reducing interest fees. This feature enables you to manage debt more effectively and focus resources on growth while maintaining operational continuity and supporting business expansion.
These 0% APR business credit offer additional benefits such as cash back, sign-up bonuses, rewards points and travel rewards.
Importantly, they do not report on personal credit reports preserving your personal credit standing.
Fix & Flip Loans
Rates Starting at 8.99% at 80-100% Purchase Funding
āļø Available for new properties and rehabs
āļø Rates starting at 8.99%
āļø 80-100% Purchase Funding
- Up to 65% LTV based on After Repair Value
- Up to 70% LTV Considered on Case by Case Basis
- Rehab Budget Limited to 100% of Purchase Price
- Certain Adverse Background History Considered
- 3 Months Most Recent Bank Statements
- No Tax Returns Required
- 650 Fico minimum required
Commercial Real Estate
Upwards of $100 Million with 30 Year Terms Available
Requirements for Commercial Real Estate Transactions
Whether you are buying, selling or leasing commercial property, understanding the standard requirements is essential for a successful outcome. While specific details vary, these are the key elements generally involved:
āļø Financial StrengthĀ Lenders and sellers want assurance that you have the financial capacity to handle the transaction.
āļø Credit Scores:Ā Your personal credit history (and that of any business partners) impacts your eligibility and financing terms.Ā
āļø Business Financials:Ā Income statements, balance sheets and cash flow projections demonstrate your business’s health and ability to manage debt or lease payments.
āļø Down Payment or Deposit:Ā Most commercial real estate transactions require a significant down payment or earnest money deposit. Be prepared to show proof of available funds.
Property DocumentationĀ Thorough due diligence is crucial. Expect to provide or receive:
- Appraisal:Ā An independent assessment of the property’s fair market value is essential for financing and fair pricing.
- Environmental Reports:Ā These identify potential contamination or environmental hazards that could impact the property’s value or use.
- Title Search:Ā Ensures clear ownership and identifies any liens or encumbrances on the property.
- Zoning and Permitting:Ā Verify that the property’s current and intended use aligns with local zoning regulations and that any necessary permits are in place.
SUCCESS STORIES
We love to share our clients' success stories. Find out how our funding helped them achieve their dreams and goals.