Our Business Funding Options
Commercial Real Estate Loans
Commercial Real Estate Loans from $75,000 up to $100,000,000.
Purchase of land including existing buildings, property improvements, construction of new facilities or renovating existing facilities.
Vast underwriting acesss. Ability to re-finance your existing maturity, even when your bank refuses to renew.
Providing businesses with long-term, fixed-rate financing solutions to acquire or re-finance real property assets.
Accounts Receivable Factoring
Collateralize your unpaid receivables and turn them into immediate working capital.
Great solution to bridge payroll gaps and/or solve other working capital issues.
Applicable to any business who regularly has a significant amount of unpaid receivables or purchase orders outstanding.
Works as an ongoing solution, with no fixed term for repayment of the advance.
Amortized Business Loans
Long term loans (12 - 48 mths.) with fixed, monthly payments. Low rates.
Larger amounts only. Loans from $25,000 to $3,000,000 for well qualified companies.
Good source of working capital when the company has no real estate or other assets available to secure.
'Full doc' transactions. Tax returns, financials, personal statement and business banking verification required.
Titled-Asset Sale Leaseback
Long-term loans, secured against titled assets which the company owns outright. Leverage assets to raise working capital.
Suitable for any titled asset, i.e. Tractors, Farm Equipment, Porta-Cabins, Trailers, Heavy Equipment, etc.
Much lower interest rates and longer terms versus unsecured borrowing.
Can also be used as a method of acquiring used equipment, without the burden of ownership.
Road Vehicle Sale Leaseback
Turn vehicles which are owned outright into immediate working capital for your business.
Poor credit rating can still get the deal done with good business profitability.
Longer terms and lower rates available than many standard unsecured working capital loan products.
Can also be used as a method of acquiring new/used company vehicles, without the burden of ownership.
Healthcare Services Financing
Doctors, Dentists, Chiropractors, Home Health, Skilled Nursing, Pharmacies, Laboratories, Diagnostic Testing, Transportation, Durable Equipment, Veterinary Hospitals or Clinics.
Significantly higher advances permitted than other industries.
No fixed repayment term required, providing an excellent cash flow solution.
Funds can be used for payroll bridge, practice expansion, hiring/training, etc.
Equipment Financing / Leasing
Financing or Leasing for construction/landscaping equipment, tractor trailers, office equipment, manufacturing equipment, restaurant equipment or just about any tangible asset. Terms 18 - 42 months.
Poor credit rating very rarely an issue. Equipment is secured against the lease.
Start-ups OK. Private sales OK. Pre-owned equipment OK.
Great opportunity for acquiring business equipment, without reporting against personal credit.
Unsecured Business Credit Line
Available to qualified companies and owners (FICO score 650+), with a minimum of $350,000 revenue per year.
Up to $150,000 credit line for 12 mths, with annual qualificaion renewals.
Much cheaper than cash advance products, especially if used short term. Payoff the principal balance at any time to save interest.
Funds can be used for any purpose, at a moment's notice. Excellent for cash flow backup or to create a facility for emergency purposes.
SBA 7(a) Long Term Loan
Long-term, loans $100,000+. Terms up to 30 years. Larger amounts available to qualified entities. Typically used for financing Commercial Real Estate.
Government-backed loans, with financing arranged through our partners in the banking sector or through alternative lending sources.
"Full-Doc" disclosure required (financials, taxes, statements, etc.).
Application decision timeframe approx. 45-60 days. Closing/Funding timeframe approx. 90 days.
Merchant Cash Advance
Funding for just about any size business from $7,500 up to $2,000,000. Qualified as a percentage of credit card processing.
Ideal solution when time is of the essence. Funding in as little as 48 hours.
Minimal emphasis on the business owner's personal credit profile. Desireable to business owners who prefer funding with minimal documentation.
Repayments via a percentage of the company credit card transactions.
Business Acquisition Loan
Among the many of our specialties, these are highly constructive loan solutions, normally comprised of multiple financing solutions to complete a deal.
Low credit rating can still get the deal done with good real estate equity and/or business assets/cash flow.
Thinking "outside the box" is quite often essential to success in getting these transaction types completed.
Contact us for a no-obligation consultation to discuss your acquisition plan.
Medical Equipment Financing
Long term loans to finance the purchase of medical equipment. Leasing is also available.
Highly flexible payment arrangements for small to mid-size medical practices.
Terms and repayment plans to suit any schedule or budget.
Application decision timeframe approx. 48-72 hrs. Final funding within 5 business days of approval.
Asset-Based Line of Credit
Corporate line of credit, secured against the company inventory and receivables.
Substantially lower interest rates than unsecured lines of credit.
The company qualifies once every 12 months through inventory and invoice audits to establish a borrowing base.
Flexible financing solution, generally available to larger corporations with higher annual revenues, receivables and/or inventory.
Tax Lien Consolidation Loans
No maximum liens/loans consolidated, no minimum credit score.
Lower your overall payments by as much as 70% - giving you room to breathe and grow your business again.
No PSF, Bank, ACH setup, or other types of fees on consolidation loans.
Draw down on additional capital once the balance is 57% paid, without incurring any renewal fees, like a line of credit.
Market Capital / Reverse IPO
Highy significant raising of funds versus business revenue, in a short timespan.
Excellent solution for businesses which are expanding rapidly, but are not well-capitalized to sustain such growth.
Long term, the business gains much greater access to the capital markets.
Company also gains the ability to acquire competitors or other businesses through stock transactions.
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BLS Finance is a Registered and Bonded North Carolina Commercial Loan Originator. Consumer Protection Registration No. 223.