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COMMERCIAL FINANCE COMPANIES

 

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Who Are Commercial Lenders

Commercial lenders lend money based on the Real Estate, equipment or Machinery (Property) value  or based on Inventory, Purchase Orders or Invoices (Account Receivables).  When Commercial Lenders loan money based on Purchase Orders or Invoices this is known as Factoring.

 

 These organizations do not consider themselves to be Banks, Venture Capitalists, Angel Investors or Small Business Investment Companies.

How Does It Work

-  Some Lenders normally charge a fee for processing the  application. 

-  You select the invoices or Purchase orders with payments that are due within 30-90 days.

-  The Lender will advance you 70-90% of the amount of your receivables immediately.  The balance minus the fees are  returned to you when the invoices or Purchase Orders are actually paid. Fees are usually between 1.5% and 6.5%.  For example, if you have $100,000 in Accounts Receivable, you could get $70,000 - $90,000 in working capital immediately from the Lender. The other 10%-30% is returned to you minus the fee when the Purchase Orders or Invoices are paid.

 -  You do not need to have a good credit record in order to qualify for financing.  All that is needed is the Account  Receivables.  The Lender does not conduct any credit check.

 

Below is a list of Commercial Lenders:

Organization

Description

Loan Amounts

1st American Factoring

Provides financing based on Accounts
Receivables. Will pay up to 70-80% of
the value of invoices upfront.  Receive
money within 24-48 hours after approval. 


Charges a 2-5% fee.

$5,000 - $1,000,000

1st Commercial Credit

Provides low interest rate lending based
on Accounts Receivables.

 

 

21st Financial Solutions

Provides financing based on Accounts
Receivables.  Also provides other types
of  financing.  Will pay up to 80-90% of
the value of invoices upfront.

 

Aberdeen Funding

Provides financing based on Accounts
Receivables.

 

 

ACCION USA

 

Provides loans to small businesses.

$500 - $25,000

Action Capital

Provides financing based on Accounts
Receivables.  Will pay up to 90% of the
value of invoices upfront.

$50,000 - $2,000,000

Aero Fund Financial

Provides financing based on Accounts
Receivables.  Receive money within 24
hours after approval.

 

All Options Factoring

A Directory service that allow you to fill
out a simple request form online and
provides you with multiple quotes.

 

American Business Financing

Provides financing based on credit card
merchant receipts. 48 hour approval
process.

Up to $150,000

American Capital Advance

Provides advance cash based on credit 
card receivables and takes a small 
percentage of credit card transactions 
as payment towards the loan.  No 
processing fees.  48 hour notification 
of status.
 

American Freight Factors

Provides financing based on Accounts
Receivables.

 

 

American Receivables

Provides financing based on Accounts
Receivables.

 

 

ARFC

Provides financing based on Accounts
Receivables.  Get funding within 24
hours if approved.

 

Bankers Mutual

Provides financing based on Accounts
Receivables.  Will pay up to 70-80% of
the value of invoices upfront.

 

Barclay Associates

Provides loans based on Accounts
Receivables, Machinery, Equipment,
inventory and real estate.

 

Belcorp Financial Services

Provides financial services to businesses small to medium size businesses in the Chicagoland area and Northwest Indiana. Provide loans based on Accounts Receivables. 

 

Bibby Financial Services

Provides financing based on Accounts
Receivables.  Also provides Purchase
Order financing.  Will pay up to 90% of
the value of invoices within 24 hours if
approved.

 

Boston Financial Corp.

Provides financing based on Accounts
Receivables.

 

 

Brookridge Funding

Provides financing based on Accounts
Receivables.  Must have a minimum of
$25,000 in sales per month.

 

Brooks Greenblat, LLC

Provides financing based on Accounts
Receivables.  Will pay up to 80% of the
value of invoices upfront.

 

Buyer Zone

A Directory service that allows you to
put in a quote request and get feedback
from 5 Commercial Lenders.

 

Business Consortium Fund (BCF)

The Business Consortium Fund, Inc.(BCF), is a non-profit business development program of the National Minority Supplier Development Council.  Dedicated to providing minority small busines funding.

 

CAPCO

Provides financing based on Accounts
Receivables.

 

 

Capital Access

Provides financing based on Accounts
Receivables.  Will charge 1-4% in fees.

 

 

CAPS

Provides financing based on invoices
and assets.

 

 

Cinnabar Growth Capital

Provides financing based on Accounts
Receivables.

 

 

CJM Financials, Inc.

Provides financing based on Accounts
Receivables.   Charge 1.75-4.5% in fees.

 

 

Creative Capital Associates

Provides financing based on Accounts
Receivables.  Will pay up to 80% of the
value of invoices upfront. Must have a
minimum of $25,000 - $30,000 in sales
per month.  Charge a 2-3% in fees.

 

DealStruck Dealstruck focus onlending to established and new retailers.  Their interest rates range from 11%-22% with a loan term of 6 months. $250,000

DSA Factors

Provides financing based on Accounts
Receivables.

 

Express Commercial Services

Provides financing based on Accounts
Receivables. Will pay up to 85% of the
value of invoices upfront.  Receive money within 24-48 hours after approval.

 

Facteon

Provides low interest rate lending based
on Accounts Receivables. Provides loan
within 24 hours if approved.

 

Factor Loads

Provides financing based on Accounts
Receivables.  Charge 5.4-6.9% in fees. 

Specialize in serving Trucking
Companies.

 

Factoring Company

Provides financing based on Accounts
Receivables. 

 

Up to $1,000,000

Factoring Quote

Provides financing based on Accounts
Receivables.

 

 

Factoring Services

Provides financing based on Accounts
Receivables.

 

 

Factors Funding Co.

Provides financing based on Accounts
Receivables. Will pay up to 95-98% of
the value of invoices upfront.

 

First Capital

Provides commercial lending based on
inventory, property and Accounts
Receivable.

 

Forward Line

 

Provides small business loans.

$5,000 - $150,000

Fountain Head Funding

Provides commercial lending based
on property, inventory and Accounts
Receivables.

 

Franklin Capital Network

Provides low interest rate lending
based on Accounts Receivables.

 

 

Funding Circle Funding Circle focus onlending to established and new retailers.  Their interest rates range from 7%-26% with a loan term of 12-60 months. $25,000 - $500,000

Gateway Acceptance Co.

Provides financing based on Accounts
Receivables.

 

 

GE Capital Provides financing to medium-size and larger businesses.  Loans are based on cash flow, accounts receivables, factoring, equity, etc.  

Gregg Financial Services

Provides loans based on Accounts
Receivables and inventory.

 

 

HCI

Provides financing based on Accounts
Receivables.   Specialize in serving the
Health Care industry.

 

Hennessey Capital

Provides financing based on Accounts
Receivables.

 

 

High Falls Funding, LLC

Provides financing based on Accounts
Receivables.

 

 

iBank

Provides financing based on invoices
and assets.  Also provides other types
of loans.

 

Invoice Factoring Co.

Provides loans based on Accounts
Receivables and inventory.  Get
feedback within 24 hours.

 

INZAP

Provides loans based on invoices. 
Offers low interest loans based on
invoices.

Up to $250,000

J&D Financial

Provides financing based on Accounts
Receivables.

 

 

Kabbage Kabbage lends to entrepreneurs who have less than stellar personal and business credit record.  It provides funding based on accounting, banking and e-commerce data.  However, the loan comes high a high interest rate above 20%.  $2,000 - $100,000
Lending Club Lending Club lends at 8% to 32% rates and with a 1-5-year loan term.  $15,000-$300,000

Liberty Bell Financial

Provides financing based on Accounts
Receivables.   Also provides other forms of lending.

 

Liquid Capital

Provides financing based on invoices.

 

 

Up to $150,000

Marble Bridge Financing Group

Provides financing based on Accounts
Receivables.

 

$5,000 - $5,000,000

MDS Funding

Provides financing based on Accounts
Receivables.   Will pay up to 70-90%
of the value of invoices upfront.

 

Michigan Commercial Credit

Provides asset based lending solutions 
to small and medium sized businesses 
based on Accounts Receivables.  
$10,000 - $2,000,000

Milberg Factors, Inc.

Provides financing based on Purchase Orders.

 

 

MP Star Financial, Inc.

Provides financing based on invoices.

 

 

 

NewTek Business Serices

Provides financing based on Purchase Orders.

 

 $10,000 - $500,000

National Minroity Business Council (NMBC)

Provides micro loans to minority businesses.  Requires membership which cost $375.00.

$1,500 - $25,000

Nationwide Transport Finance

Provides financing based on Purchase Orders. Specialize in serving the Transport industry.

 

New Century Financial

Provides loans based on invoices.  Loan limits are based on invoices.

 

 

Olympic Credit Fund

Provides financing based on Accounts Receivables.  Will pay up to 80-95% of the value of invoices upfront. Receive money within 24-48 hours after approval.  

 

Omega Fund

Provides low interest rate lending based on Accounts Receivables and inventory.  Also, provides Purchase
Order financing and business cash advance.  Provides loan within 24 hours if approved.

 

OnDeck OnDeck lends to entrepreneurs who have less than stellar personal and business credit record.  It provides funding based on accounting, banking and e-commerce data.  However, the loan comes high a high interest rate above 16%.  $5,000 - $250,000

Pacific Business Capital Corp. (PBCC)

Provides financing based on invoices and assets.  Receive a decision within 24 hours.

$50,000 - $2,000,000

Paragon Financial

Provides financing based on Accounts Receivables.  Will pay up to 90% of the value of invoices upfront.

 

PLG Commercial Lending, LLC

Provides financing based on Accounts Receivables.  Also provides financing based on machinery, equipment
and real estate.

 

PMF Bancorp

Provides financing based on Accounts Receivables.

 

 

Porter Capital

Provides financing based on Accounts Receivables.

 

Up to $20,000,000

Prestige Capital Corp.

Provides financing based on Accounts Receivables.  Will pay up to 80% of the value of invoices upfront. Receive money within 24-72 hours after approval.  

$100,000 - $10,000,000

PRN Funding, LLC

Provides financing based on Accounts Receivables.  Specialize in servicing the Health Care Staffing industry.

 

Provident Financial Inc.

Provides financing based on Accounts Receivables.   Will pay up to 60-80% of the value of invoices upfront. Charge a fee of 2.5-3.5% Receive approval within 24 hours.

 

PYX Financial

Provides financing based on Accounts Receivables.  Will pay up to 80% of the value of invoices upfront.  Receive approval within 24 hours.

 

Rapid Advance Has a streamlined process and quick decision cycle (48 hours).
 

Resford Funding

Provides low interest rate lending based on Accounts Receivables. Provides loan within 24 hours if approved.

 

Riviera Finance

Provides financing based on Accounts Receivables.

 

 

SmartBiz SmartBiz lend at low rates and with a 10-year loan term.  SmartBiz lends from $30,000-$350,000 at a 7% to 8% rate. $30,000-$350,000
StreetShares StreetShares is an online resource that lets entrepreneurs publish their loan request and investors compete to fund the request.  

Summa Capital Corp.

Provides financing based on Accounts Receivables.

 

 

Sunbelt Finance

Provides financing based on Accounts Receivables.   Will pay up to 90% of the value of invoices upfront.

 

The Commercial Finance Group

Provides financing based on Accounts Receivables.  Will pay up to 80-90% of the value of invoices upfront. Receive money within 24 hours after approval.

 

The Falk Co.

Provides financing based on Accounts Receivables.

 

 

The Hamilton Group

Provides financing based on Accounts Receivables.

 

 

The Invoice Bankers

Provides financing based on Accounts Receivables.

 

 

The MFR Group

Provides financing based on Purchase Orders.

 

$50,000 - $500,000

The Small Business Authority Requires reasonable collateral for loans as high as $10,000,000.
$50,000 - $10,000,000

TranCentral, Inc.

Provides financing based on Accounts Receivables. Specialize in serving the Trucking industry.

 

Transfac Capital

Provides financing based on Accounts Receivables.

 

 

Transportation Funding Group

Provides financing based on Accounts Receivables.  Specialize in serving the Trucking industry.

 

UC Factors

Provides financing based on Accounts Receivables.  Will pay up to 80% of the value of invoices upfront.

 

United California Discount

Provides financing based on Accounts Receivables.  Will pay up to 90% of the value of invoices upfront. Charge fee as low as 1%.

 

Universal Funding

 

Provides financing based on Accounts Receivables.

 

US Business Finance

Provides financing based on Accounts Receivables.  Also provides other types of  financing.  Will pay up to
70-90% of the value of invoices within 24 hours if approved.

 

USA Factoring

Provides financing based on Accounts Receivables.

 

$2,500 - $3,000,000

Wells Fargo

Provides financing based on Accounts Receivables. Will pay up to 90% of the value of invoices upfront.  Must have a minimum of $50,000 in sales per month.

 

Westbrook Capital

Provides financing based on Purchase Orders.

 

 

Winston Financial Group, Inc.

Provides loans based on Accounts Receivables and inventory.  Low interest rate.

 

 

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