Key Commercial Capital Finances Business in all 50 US States

Financing for Businesses in ALL 50 US States

Name: Key Commercial Capital
Price range: $$

What are the benefits of working with a business loan broker or business loan brokerage firm to find financing?

Brokers in any industry are able to offer their clients a variety of options. Because they have relationships or partnerships with several different contacts, they can find the best match for a particular scenario.

For example, if a small business owner decided to work with a print broker for a special print project it would be better than just going to one or two print suppliers. Print brokers would normally know the industry and the presses or print suppliers to get certain jobs done efficiently and economically. A print broker would know which partner to recommend for each product or special project that the client might need in order to save the business a significant amount of funds and time.

In the Insurance industry, working with an insurance broker, rather than a single insurance agent at a particular company would be beneficial. The insurance broker will likely provide options and insight about important factors related to different policies and providers. A knowledgeable insurance broker would be able to provide guidance in obtaining the best policy fit for a particular need and offer options with respect to pricing, deductibles, coverage and customer service.

Like Brokers in other industries, Business Loan Brokers can also offer a variety of options and insightful consultation.

Efficient and Streamlined Lending Team that Works for You

Lending Technology – Faster and more Efficient

Excellent Communication and Processes from Start to Finish

Firm Underwriting Approval for Your Business Loan

Brokers will be able to help a client navigate bank/lender options

Brokers Help Navigate

A business loan broker who has several partnerships with nationwide lenders and small community banks can help a client find the right fit for the financing needed by the business. Each bank or lender specializes in certain loan products they prefer to offer. Some banks do not cater to start-up businesses. They prefer to only work with businesses that have 2 or more years of tax returns and financials to evaluate. Some banks prefer to work with only particular franchises or certain industries. Some lenders are very strict on certain rules or regulations, where others might overlook certain things.

A business loan broker can help a client navigate through this maze to find the right lender fit for the particular financing project at hand. Brokers also help coach the business client about how to put together a clean application, with well organized documents, that meet the right requirements to get a more favorable response from underwriters. Good business loan brokers should know all of their different lender partner’s requirements and preferences and should offer valuable consultation.

Every State of the USA is served by Key Commercial Capital

Key Commercial Capital is not a direct lender. We are a business loan brokerage firm. We serve clients in every State in the USA. It is important that our business clients know that they can depend on us to find the right lender match for their particular file.

Some of our nationwide lender partners are in the top 25 of the SBA Lenders in the United States. We also have partnerships with small community lenders in several States. These partners may not be in the top 100 SBA lender list, but they still offer very good programs for certain projects. Many new business owners do not realize that it may not necessarily be a good idea to attempt a business loan application at the local bank on the corner of their neighborhood. The community bank can sometimes be a good choice for certain projects, but many times it is not the best choice. There are lenders in the SBA top 100 list who are strictly business banks. This means that they do not offer the consumer or residential products that a community bank offers. If your business is looking for an SBA loan, a business bank that deals in SBA loans ONLY can often be the best choice for a number of reasons.

Top 7 Reasons You Should Work with Business Banks when getting a Business Loan

a lender that is focused solely on business clients

#1 Banks Focused on Business Lending

Banks or non-bank Lenders who deal strictly with Business financing products have a focused understanding of the needs of business owners. Banks who try to cater to everyone (business and consumer) can be sidetracked with many consumer lending and/or investment products. Too many product offerings tend to make a bank only satisfactory at handling all things. It is best to zero in on a lender that is focused solely on business clients. This will turn a satisfactory experience into an excellent one. It will turn a very slow and frustrating process into one that is efficient and pleasant.

#2 Efficient and Streamlined Lending Team that Works for You

Often times the community bank simply does not have the staffing to help with a specific business client’s request. They may have to share one or two representatives that circulate around several branch locations for business loan products. Some community banks or smaller banks say they can help with SBA loans but in reality they do not excel at understanding any part of the process or the requirements. Underwriters are often times in different offices in different States and there is a lack of understanding and communication or efficiency between departments. Avoid lenders who want you to work with a contact who has no communication with the underwriting team.

#3 Organized for the Business Loan Process

Business bank representatives who have direct contact with the in-house underwriting team are most efficient. If the business bank also has an in-house construction management department it is extremely helpful to ensure quick attention to contractor payments. Time is of the essence. Long waiting times and poor communication or follow up by certain lender employees tend to give SBA loans the negative connotation that some people have experienced. Working with the wrong lender can cause disappointment, wasted time and sometimes the loss of personal funds.

#4 Firm Underwriting Approval for Your Business Loan

Some lenders hand out pre-approvals and/or underwriting approvals only to pull the loan and decline the file during the closing process. This can be devastating to a new business owner starting out. It is imperative to work with a lender who is committed to closing loans that they have underwritten and approved. Careful attention should be given to a client’s application during the underwriting stage before issuing an official approval with a commitment letter. A commitment letter is supposed to be a commitment. Personal funds are often injected into a new business project because the business owner has been given the “green light” of “approval” from the bank. Thousands of dollars can be spent on travel, training, deposits and franchise fees. The last thing an entrepreneur needs is to pay all of these expenses only to have their lender decide there is something they do not like about the deal right before closing and refuse to close the loan. This could cause a business to fail before it has a chance to get started. Personal funds invested, deposits and franchise fees are often non-refundable. It happens more often than many people realize. The lenders who do this will never get a client referral from Key Commercial Capital.

First class guidance for your business loan

#5 Excellent Communication and Guidance from Start to Finish

Working with someone who will stay with your business loan application file throughout each stage of the loan is key. Your representative at Key Commercial Capital will stay with a loan file and be the point of contact along with the lender partner representative from the pre-approval process all the way through closing. This is part of the white glove service that Key Commercial Capital strives to offer its clients. We work with lenders who keep us informed through portal access to every file. We prefer partners who provide only one or two points of contact for every file. We appreciate partners who do not move files to different clerks or departments along each stage of the loan process. One employee may not know what the previous employee and the client may have discussed during different stages of the loan process. We find this inefficient. Communication breakdowns waste time and money.

flexible schedule to discuss your business loan

#6 Lending Assistance that Fits Your Schedule

Flexible hours tend to be something that business owners need. With advance planning a good business loan broker should be able to offer certain evening openings or make special arrangements for a weekend phone call when something important arises. A simple email or text can make a world of difference when a client might have a question or is dealing with something that is stressful or uncertain. Business hours should generally be respected, but being able to access the business loan broker for something important is part of the flexibility Key Commercial Capital offers. Our clients normally will have the cell phone numbers of their representative for important situations. Our representatives also usually have the personal cell phone contact of our lender partner point of contact just in case a concern arises after business hours or on a weekend.

business loan lending technology for speed and efficiency

#7 Lending Technology - Faster and more Efficient

Use of technology is important to provide an efficient and pleasant experience. Lenders who do not embrace technology are behind the times. DocuSign, Secured Loan Portals for document upload and acceptance of ACH payments or credit cards should all be things to look for when considering a good business lender. These simple tools can make the business loan process quicker and easier. Sending packets of paperwork via courier should be kept to a minimum. Courier charges are expensive and sending things in the mail can be problematic and delay file progress.

Red Flags to consider warning signs when deciding to work with a business loan broker or brokerage firm

#1 Collection of fees up front

When a business loan brokerage firm collects loan fees or consultation fees BEFORE submitting a file for underwriting or getting a commitment letter from a lender this should be a cause for concern. A good business loan broker will need to perform a few tasks to get a file ready for submission to a lender underwriting team. Tax returns, resumes, business plans and/or projections and financial statements, account documents and application forms should be organized and evaluated by the broker along with the borrower. The broker should provide consultation on correction or adjustment of anything that might not be quite right. The broker should also introduce the borrower to the lender that will be a good fit for the file.

A written proposal or letter of interest is something that a borrower should receive from the lender before a formal submission of the loan application to underwriting. This proposal should outline the loan amount, rate, term, down-payment expectation, collateral expectation and any other relevant details pertinent to the file. If the borrower agrees to the written proposal, he or she can proceed with formal submission of the file to underwriting. Lenders will require a fee when the application is submitted to underwriting. Good lenders will make it clear that this fee paid by the borrower is refundable should the file not be given an approval.

Once an underwriting approval or commitment letter is provided to the borrower the business loan broker should then have the right to invoice the client for the consultation services provided. There is no reason to collect consultation fees if a loan approval is not arranged for the borrower by the broker. If a loan approval is not arranged the business broker has not earned the right to collect a fee for their effort.

#2 Bait and Switch

Be careful about a business loan broker offering their own firms written proposal. If the business loan brokerage firm is not a direct lender the proposal being offered is not a letter of interest from the lender. There will also usually be fine print explaining that terms might require adjustment. A letter of interest or proposal from a direct lender should have the lenders name, logo, address, phone number, email and representative contact on the proposal. It should also state that it is not a commitment to lend but a proposal because the application has not yet undergone underwriting.

Sneaky business loan brokers will write up a proposal with details that might make the deal look more favorable than what the direct lender might really offer. The business loan broker will sometimes use this proposal to collect a packaging fee or consulting fee from the borrower. Once the fee is collected, there might be something that changes on the official bank or lender proposal. For example, a business loan broker might propose a 10% equity injection requirement, knowing full well that the direct lender will require a 20% equity injection requirement. Making a deal look more favorable increases the chances of collecting the consultation fee from the borrower. Once a payment has been collected, the broker will simply explain that the lender was not able to allow a 10% down-payment and that 20% will really be required. A borrower should be vigilant and make sure that any written proposal received is a proposal written directly by the lender and not the business loan broker. Unscrupulous business loan brokers know that once a payment is collected and time has passed, the borrower will likely not demand funds back if a detail of the proposal changes a bit between the proposal offered by the broker and the proposal offered by the direct lender. Some broker contracts even make the fine print state that the packaging fee or consulting fee is not refundable should some part of the loan offering change as long as an official approval is received.

It is unethical to collect a consultation fee and to make loan terms, rates or requirements look move favorable than what they will be in reality. This practice gives an unscrupulous loan broker an unfair advantage over another loan broker who is giving honest advice about the true expectations that will be required by the direct lender. It is also questionable to collect consultation fees before obtaining an underwriting approval from a direct lender for a borrower.

#3 Quick and Easy pre-approvals

Anyone can hand out a pre-approval on a file. A pre-approval offered too quickly or easily without evaluation of any specific financial documentation can be a problem. A pre-approval should be a general notification that a borrower has shown to be credit worthy to submit an application for a loan. Without seeing details of credit scores and/or the 3 bureau credit reports of a potential borrower a pre-approval is not one that holds very much weight. Simply answering a few questions or estimating a few financial numbers without documentation does not provide enough detail to warrant any type of commitment to lend. A pre-approval given to a borrower without careful evaluation of whether a loan approval might truly be possible can cause a lot of time and energy to be wasted. There is no point to waste time shopping for a business or franchise to purchase only to realize later that a loan approval will not truly be possible. This wastes the time of the borrower, the business broker or franchise broker, the franchise developer and anyone else who spends time discussing details.

A meaningful pre-approval will require the borrower to answer a series of questions and also to complete an accurate personal financial statement. It might also require a full 3 bureau credit report to be viewed as well as 3 years of personal and corporate tax returns (if applicable). If a loan brokerage firm gives a verbal or written pre-approval without looking at these things a borrower should realize that the pre-approval they have received is meaningless.

#4 Fraudulent coaching

A borrower should be very leery about working with a business loan broker who is suggesting that a lie or untruth is acceptable. There are reasons why application forms ask for specific information and details about the finances or background of a borrower. The borrower, the lender and everyone else involved in a business loan transaction is depending on accuracy and full disclosure of details for protection. When certain details are withheld or untruthful answers are provided problems are almost certain to arise. The problems or issues may not surface until after the loan closes. Either way, whether before closing or after closing, it is dangerous to play with fire. It is especially problematic if someone is obtaining a government-backed SBA loan. The individuals who are the guarantors of the loan are signing documents that can result in criminal prosecution, fines and imprisonment if what being signed is knowingly untruthful in any way. It is not worth the risk of this kind of trouble just to get a loan approved. It is best to discuss concerns openly with your business loan broker and lender contact. If the concern is something that will not be considered a problem the broker and lender partner will be able to provide assurance and peace of mind. If the concern is something that will pose a problem it is better to know the risks upfront than to suffer negative consequences later. As with many things in life there are gray areas open to interpretation. Some things are acceptable and others are not. If something is an outright lie or if you are being coached to withhold pertinent information on an application, it is best to find a different firm or broker to work with.

#1 Banks Focused on Business Lending

Banks or non-bank Lenders who deal strictly with Business financing products have a focused understanding of the needs of business owners. Banks who try to cater to everyone (business and consumer) can be sidetracked with many consumer lending and/or investment products. Too many product offerings tend to make a bank only satisfactory at handling all things. It is best to zero in on a lender that is focused solely on business clients. This will turn a satisfactory experience into an excellent one. It will turn a very slow and frustrating process into one that is efficient and pleasant.

#2 Efficient and Streamlined Lending Team that Works for You

Often times the community bank simply does not have the staffing to help with a specific business client’s request. They may have to share one or two representatives that circulate around several branch locations for business loan products. Some community banks or smaller banks say they can help with SBA loans but in reality they do not excel at understanding any part of the process or the requirements. Underwriters are often times in different offices in different States and there is a lack of understanding and communication or efficiency between departments. Avoid lenders who want you to work with a contact who has no communication with the underwriting team.

#3 Organized for the Business Loan Process

Business bank representatives who have direct contact with the in-house underwriting team are most efficient. If the business bank also has an in-house construction management department it is extremely helpful to ensure quick attention to contractor payments. Time is of the essence. Long waiting times and poor communication or follow up by certain lender employees tend to give SBA loans the negative connotation that some people have experienced. Working with the wrong lender can cause disappointment, wasted time and sometimes the loss of personal funds.

#4 Firm Underwriting Approval for Your Business Loan

Some lenders hand out pre-approvals and/or underwriting approvals only to pull the loan and decline the file during the closing process. This can be devastating to a new business owner starting out. It is imperative to work with a lender who is committed to closing loans that they have underwritten and approved. Careful attention should be given to a client’s application during the underwriting stage before issuing an official approval with a commitment letter. A commitment letter is supposed to be a commitment. Personal funds are often injected into a new business project because the business owner has been given the “green light” of “approval” from the bank. Thousands of dollars can be spent on travel, training, deposits and franchise fees. The last thing an entrepreneur needs is to pay all of these expenses only to have their lender decide there is something they do not like about the deal right before closing and refuse to close the loan. This could cause a business to fail before it has a chance to get started. Personal funds invested, deposits and franchise fees are often non-refundable. It happens more often than many people realize. The lenders who do this will never get a client referral from Key Commercial Capital.

#5 Excellent Communication and Processes from Start to Finish

Working with someone who will stay with your business loan application file throughout each stage of the loan is key. Your representative at Key Commercial Capital will stay with a loan file and be the point of contact along with the lender partner representative from the pre-approval process all the way through closing. This is part of the white glove service that Key Commercial Capital strives to offer its clients. We work with lenders who keep us informed through portal access to every file. We prefer partners who provide only one or two points of contact for every file. We appreciate partners who do not move files to different clerks or departments along each stage of the loan process. One employee may not know what the previous employee and the client may have discussed during different stages of the loan process. We find this inefficient. Communication breakdowns waste time and money.

#6 Lending Assistance that Fits Your Schedule

Flexible hours tend to be something that business owners need. With advance planning a good business loan broker should be able to offer certain evening openings or make special arrangements for a weekend phone call when something important arises. A simple email or text can make a world of difference when a client might have a question or is dealing with something that is stressful or uncertain. Business hours should generally be respected, but being able to access the business loan broker for something important is part of the flexibility Key Commercial Capital offers. Our clients normally will have the cell phone numbers of their representative for important situations. Our representatives also usually have the personal cell phone contact of our lender partner point of contact just in case a concern arises after business hours or on a weekend.

#7 Lending Technology – Faster and more Efficient

Use of technology is important to provide an efficient and pleasant experience. Lenders who do not embrace technology are behind the times. DocuSign, Secured Loan Portals for document upload and acceptance of ACH payments or credit cards should all be things to look for when considering a good business lender. These simple tools can make the business loan process quicker and easier. Sending packets of paperwork via courier should be kept to a minimum. Courier charges are expensive and sending things in the mail can be problematic and delay file progress.

Red Flags to consider warning signs when deciding to work with a business loan broker or brokerage firm

#1 Collection of fees up front

When a business loan brokerage firm collects loan fees or consultation fees BEFORE submitting a file for underwriting or getting a commitment letter from a lender this should be a cause for concern. A good business loan broker will need to perform a few tasks to get a file ready for submission to a lender underwriting team. Tax returns, resumes, business plans and/or projections and financial statements, account documents and application forms should be organized and evaluated by the broker along with the borrower. The broker should provide consultation on correction or adjustment of anything that might not be quite right. The broker should also introduce the borrower to the lender that will be a good fit for the file.

A written proposal or letter of interest is something that a borrower should receive from the lender before a formal submission of the loan application to underwriting. This proposal should outline the loan amount, rate, term, down-payment expectation, collateral expectation and any other relevant details pertinent to the file. If the borrower agrees to the written proposal, he or she can proceed with formal submission of the file to underwriting. Lenders will require a fee when the application is submitted to underwriting. Good lenders will make it clear that this fee paid by the borrower is refundable should the file not be given an approval.

Once an underwriting approval or commitment letter is provided to the borrower the business loan broker should then have the right to invoice the client for the consultation services provided. There is no reason to collect consultation fees if a loan approval is not arranged for the borrower by the broker. If a loan approval is not arranged the business broker has not earned the right to collect a fee for their effort.

#2 Bait and Switch

Be careful about a business loan broker offering their own firms written proposal. If the business loan brokerage firm is not a direct lender the proposal being offered is not a letter of interest from the lender. There will also usually be fine print explaining that terms might require adjustment. A letter of interest or proposal from a direct lender should have the lenders name, logo, address, phone number, email and representative contact on the proposal. It should also state that it is not a commitment to lend but a proposal because the application has not yet undergone underwriting.

Sneaky business loan brokers will write up a proposal with details that might make the deal look more favorable than what the direct lender might really offer. The business loan broker will sometimes use this proposal to collect a packaging fee or consulting fee from the borrower. Once the fee is collected, there might be something that changes on the official bank or lender proposal. For example, a business loan broker might propose a 10% equity injection requirement, knowing full well that the direct lender will require a 20% equity injection requirement. Making a deal look more favorable increases the chances of collecting the consultation fee from the borrower. Once a payment has been collected, the broker will simply explain that the lender was not able to allow a 10% down-payment and that 20% will really be required. A borrower should be vigilant and make sure that any written proposal received is a proposal written directly by the lender and not the business loan broker. Unscrupulous business loan brokers know that once a payment is collected and time has passed, the borrower will likely not demand funds back if a detail of the proposal changes a bit between the proposal offered by the broker and the proposal offered by the direct lender. Some broker contracts even make the fine print state that the packaging fee or consulting fee is not refundable should some part of the loan offering change as long as an official approval is received.

It is unethical to collect a consultation fee and to make loan terms, rates or requirements look move favorable than what they will be in reality. This practice gives an unscrupulous loan broker an unfair advantage over another loan broker who is giving honest advice about the true expectations that will be required by the direct lender. It is also questionable to collect consultation fees before obtaining an underwriting approval from a direct lender for a borrower.

#3 Quick and Easy pre-approvals

Anyone can hand out a pre-approval on a file. A pre-approval offered too quickly or easily without evaluation of any specific financial documentation can be a problem. A pre-approval should be a general notification that a borrower has shown to be credit worthy to submit an application for a loan. Without seeing details of credit scores and/or the 3 bureau credit reports of a potential borrower a pre-approval is not one that holds very much weight. Simply answering a few questions or estimating a few financial numbers without documentation does not provide enough detail to warrant any type of commitment to lend. A pre-approval given to a borrower without careful evaluation of whether a loan approval might truly be possible can cause a lot of time and energy to be wasted. There is no point to waste time shopping for a business or franchise to purchase only to realize later that a loan approval will not truly be possible. This wastes the time of the borrower, the business broker or franchise broker, the franchise developer and anyone else who spends time discussing details.

A meaningful pre-approval will require the borrower to answer a series of questions and also to complete an accurate personal financial statement. It might also require a full 3 bureau credit report to be viewed as well as 3 years of personal and corporate tax returns (if applicable). If a loan brokerage firm gives a verbal or written pre-approval without looking at these things a borrower should realize that the pre-approval they have received is meaningless.

#4 Fraudulent coaching

A borrower should be very leery about working with a business loan broker who is suggesting that a lie or untruth is acceptable. There are reasons why application forms ask for specific information and details about the finances or background of a borrower. The borrower, the lender and everyone else involved in a business loan transaction is depending on accuracy and full disclosure of details for protection. When certain details are withheld or untruthful answers are provided problems are almost certain to arise. The problems or issues may not surface until after the loan closes. Either way, whether before closing or after closing, it is dangerous to play with fire. It is especially problematic if someone is obtaining a government-backed SBA loan. The individuals who are the guarantors of the loan are signing documents that can result in criminal prosecution, fines and imprisonment if what being signed is knowingly untruthful in any way. It is not worth the risk of this kind of trouble just to get a loan approved. It is best to discuss concerns openly with your business loan broker and lender contact. If the concern is something that will not be considered a problem the broker and lender partner will be able to provide assurance and peace of mind. If the concern is something that will pose a problem it is better to know the risks upfront than to suffer negative consequences later. As with many things in life there are gray areas open to interpretation. Some things are acceptable and others are not. If something is an outright lie or if you are being coached to withhold pertinent information on an application, it is best to find a different firm or broker to work with.

Key Commercial Capital has clients throughout the USA

Every State in the USA & Every Industry

Key Commercial Capital can work with business clients in every State of the USA and in almost every industry. We are also very well-versed in working with many franchises. We have helped some franchises who were not on the SBA approved Directory list to get in contact with the right person at the SBA to get their FDD (Franchise Disclosure Document) processed and approved quickly. We are open to working with new franchises and welcome questions. Sometimes certain lenders are leery of new franchise concepts even if the franchise has been approved and appears on the SBA Directory. We welcome new concepts and look forward to beginning new partnerships. We have the right lender partners who do not mind new franchise concepts.

Creative Financing Options

Key Commercial Capital offers assistance with many different types of loans for businesses in addition to SBA loans. We have partnerships in place for merchant service loans, lines of credit, factoring transactions involving accounts receivable and other options that a single bank or lender might not offer. Sometimes we can help a sole proprietor get a personal loan that has no usage restrictions. In this way we can help an individual get started in business if he or she does not qualify for other business loan products. In summary, it is wise to work with a business loan broker in order to be given a number of options and to obtain guidance on which options are the right fit for a particular business financing project. We have listed a number of examples below in many States across the USA. Let us know how we can help you.

Examples of Business Deals our Team Financed Across the USA

In the State of Alabama we helped a Transportation Company obtain a line of credit for the business to help with cash flow.

In the State of Alabama we helped a husband and wife team obtain an SBA loan for their cookie franchise. The loan was able to cover their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Alabama we helped a husband and wife team obtain an SBA loan for their coffee franchise. The loan was able to cover their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Alabama we helped a client obtain an unsecured conventional loan and an equipment lease to open a 3D/4D Ultrasound practice.

In the State of Arizona we helped a young couple to obtain SBA financing to start up an in-home care franchise.

In the State of California we helped a client acquire an existing territory of a kitchen and bath franchise from sellers who were ready to retire. An SBA loan was used for the acquisition of the business and additional working capital for expanding the territory.

In the State of Colorado we helped a young lady obtain an SBA loan to start up a new territory of a specialty hair salon franchise.

In the State of Connecticut we helped a national convenience store franchise obtain an unsecured non-SBA loan.

In the State of Connecticut we helped a husband and wife team from a popular cookie franchise obtain an SBA loan for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Delaware we helped a national convenience store franchise obtain an unsecured non-SBA loan.

In the State of Florida we helped a nurse to start up her own assisted living facility. We helped the nurse obtain SBA financing for the commercial real estate space, equipment and working capital and rolled it all into one SBA loan.

In the State of Florida we helped an existing jewelry business obtain a conventional unsecured loan for expansion.

In the State of Florida we helped a husband and wife team and additional business partner pool together funds from Unsecured loans to obtain the full amount they required to fund their cookie franchise.

In the State of Georgia we helped a client obtain SBA financing for a medical and non-medical in-home care franchise start-up.

In the State of Georgia we helped an entrepreneur obtain an SBA loan for a semi tractor. His goal was to be the investor in the truck and to hire a driver with a CDL (Commercial Driver's License). He will work with a logistics company to help deliver for Amazon. As the owner of the business he will oversee the operation without being the driver. We were able to help him obtain an SBA loan for the truck. His closing process was quick and easy.

In the State of Hawaii we help a young couple overcome their rejection from a local lender and helped secure an SBA loan for them to start up an in-home senior care franchise location.

In the State of Idaho we helped a Trucking company obtain financing for new equipment

In the State of Illinois we helped a young entrepreneur to obtain an SBA loan to purchase a building and an existing auto-repair business.

In the State of Illinois we helped a husband and wife team from a popular cookie franchise obtain an SBA loan for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Illinois we helped an insurance agent/broker get an SBA loan to open his own agency.

In the State of Indiana we helped a young entrepreneur obtain SBA financing with the help of his family to start up a new territory for a locksmith franchise.

In the State of Indiana we helped an existing recycling company to get a line of credit to expand the business.

In the State of Iowa we helped a couple obtain SBA financing for the equipment to start a water vending business.

In the State of Iowa we helped a husband and wife team from a popular cookie franchise obtain an SBA loan for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Kentucky we helped an individual get start-up capital for a national convenience store franchise. The franchise is not on the SBA approved Directory so we were able to arrange an alternative type of financing for the business owner.

In the State of Kentucky we helped a group of individuals each obtain an Unsecured Loan to pool together the funds they needed for the franchise fee, equipment, leasehold improvement and working capital for a tea franchise.

In the State of Kentucky we helped an existing business obtain equipment financing for expansion.

In the State of Louisiana we helped a Physician obtain a conventional term loan

In the State of Maryland we helped an individual obtain SBA financing for the equipment to start a water vending business.

In the State of Massachusetts we helped an individual obtain a 401K ROBS in combination with an SBA loan to obtain financing for the equipment to start a water vending franchise.

In the State of Michigan we helped a couple get financing to start up a 3D/4D Ultrasound Studio franchise. The franchise was not listed on the SBA approved directory list so we were able to arrange alternative financing for the new business owners.

In the State of Michigan we helped a construction business to obtain several fix and flip loans. Entrepreneurs who look to obtain financing to fix up a home and sell it are not eligible for SBA financing, due to the rule of speculation. Since fixing and flipping homes is speculative it does not fall under the guidelines set forth by the SBA for financing. We were able to arrange alternative financing for our client.

In the State of Minnesota we helped a business owner obtain conventional financing for a commercial real estate loan on a small apartment building he wanted to purchase.

In the State of Missouri we helped a physician with an existing practice to obtain a conventional loan for working capital

In the State of Missouri we helped a husband and wife team from a popular cookie franchise obtain an SBA loan for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Montana we helped a restaurant obtain financing for new equipment

In the State of Montana we helped an individual get financing to start up a 3D/4D Ultrasound Studio franchise. The franchise was not listed on the SBA approved directory list so we were able to arrange alternative financing for the new business owner.

In the State of Nebraska we helped a young lady obtain an SBA loan to start up an in-home care franchise.

In the State of Nevada we helped two business partners start up their first automotive repair franchise location. An SBA loan was secured for the franchise, the leased space, build-out, equipment and working capital.

In the State of New Jersey we helped an esthetician obtain an SBA loan to start her own hair removal /waxing salon.

In the State of New Jersey we helped an Executive Recruiter obtain the working capital he needed to start his second company. He was turned down for a loan by a large well known bank. We were able to help him secure an SBA loan at an alternate bank. His process from approval to funding only took ONE week.

In the State of New York we helped a Finance Director who wanted to keep her current employment to get SBA financing for a new cost optimization consulting franchise.

In the State of North Carolina we helped an existing auto repair shop to get an SBA loan for working capital.

In the State of Ohio we helped an existing facilities management business obtain an SBA loan to expand to another territory across state lines.

In the State of Oklahoma we helped a group of 4 individuals from a popular cookie franchise obtain an SBA loan for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Oregon we helped a restaurant get financing for new equipment.

In the State of Oregon we helped a group of 4 individuals get SBA financing for a multiple location cookie franchise start-up.

In the State of Pennsylvania we were able to help a national convenience store franchisee to obtain a non-SBA loan for a convenience store and gas station combination. We helped with the financing for the land, building, build-out, inventory and working capital.

In the State of Pennsylvania we helped an individual get financing to start up a 3D/4D Ultrasound Studio franchise. The franchise was not listed on the SBA approved directory list so we were able to arrange alternative financing for the new business owner.

In the State of Rhode Island we helped a husband and wife team from a popular cookie franchise obtain an SBA loan for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of South Carolina we helped a Jewelry Manufacturer obtain a line of credit to help with expansion

In the State of Tennessee we were able to help a couple open a 3D/4D Ultrasound Studio business by assisting with obtaining financing for the equipment that they needed to open their doors.

In the State of Texas we helped several different franchisees from a popular cookie franchise obtain SBA loans for their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Texas we helped a husband and wife team get an SBA loan for their fitness franchise. The large loan was able to cover their leasehold improvement, equipment, furniture, fixtures, inventory, training costs and working capital.

In the State of Texas we helped an existing restoration and construction business to obtain a business line of credit and a conventional special construction loan product for home builders.

In the State of Texas we helped an existing software developer who created an online job board and networking platform to obtain working capital expansion funds through an SBA loan.

In the State of Utah we helped an existing bakery business to move into a new retail location. We arranged help for a 401K ROBS program and an SBA loan combination.

In the State of Virginia we helped a nurse to obtain an SBA loan to start up an in-home care nursing franchise.

In the State of Virginia we helped an entrepreneur obtain an SBA loan to purchase a tractor trailer to work in conjunction with a well known shipping company as an Independent contractor.

In the State of Washington we helped business clients obtain SBA financing to start-up a new irrigation and landscaping business.

In the State of Wisconsin we helped a farmer to obtain financing for new equipment.

In the State of Wisconsin we helped a buyer get an SBA acquisition loan to purchase a successful staffing franchise from the original owner

In the State of Wisconsin we helped a national convenience store franchisee to obtain start-up capital. The franchise was not listed on the SBA approved directory list so we were able to arrange alternative financing for the new business owner.

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