OUR APPROACH TO BUSINESS FINANCIAL SOLUTIONS
In the U.S. there are nearly 30 million small to mid-sized companies. Access to capital is essential to the growth of a business yet nearly 75% of small business loan applicants get denied by the conventional banking industry.
SMG Financial provides business loan consulting and placement through our platform of over 800 registered lenders to ensure that your business is getting a tailored fit solution that will help your business achieve its financial goals.
We’ll pair you with an experienced loan consultant
Our consultants get to know your business. Every business has their unique financial needs and goals. Our goal is to find you a lending solution that’s perfectly tailored to your needs.
We will gather interested partners
Our platform enables our consultants to access hundreds of banks and lenders instantly. We are here every step of the way to help you compare your options and crunch the numbers.
Choose your best-fit lending solution
With the guidance of your loan consultant, confidently choose the lending solution that best fit your business’ needs.
REAL ESTATE PROGRAMS
Purpose: Purchase, Refinance, Cash Out, Hard Money, Construction, bridge loan.
Property Types: Multifamily, Light Industrial/Warehouse, Mixed-Use, Office, Retail, Self-Storage, Mobile Home Parks, Single Family investor, Hotels, land.
DETAILS:
Advance Amount: $75,000 +
Loan to Value: Up to 80%
Terms: Up to 30 years
Interest Rate: Varies
UNSECURED LINES OF CREDIT
Purpose: Working Capital, Inventory, expansion, equipment, debt consolidation.
Gain Access to working capital in perpetuity with a line of credit.
DETAILS:
Line Amount: $50,000 – $250,000
Annual Revenue: $250,000 +
Terms: Revolving
Interest Rate: Starting at WSJ Prime + 1%
ASSET-BASED LENDING
Leverage your business assets to receive financing in a form of a revolving line of credit. Here are five core assets that a business can leverage:
– Accounts Receivables
– Inventory
– Machinery & Equipment
– Real Estate
– Other Tangible assets (intellectual property)
DETAILS:
Line Amount: $100,000 +
Advance Amount: Up to 90%
Annual Revenue: $1,000,000 +
Time in Business: 1 + Year
APR: Varies
INVOICE FACTORING
Sell your invoices for immediate working capital. The finance company buys your invoices and provides you with an immediate payment. This payment provides funds to run operations and grow the business. Factoring is commonly used by start-ups, and small to midsize companies.
DETAILS:
Advance Amount: Up to 97%
Annual Revenue: $200,000 +
Time in Business: 1 + Month
Monthly Rates: Varies
P.O FINANCING
Purchase Order Financing can be used to pay for 100% of the direct cost of presold goods including logistics, duties, labor and overhead. Financing can be structured in the form of cash, credit and commercial letters of credit.
Finished Goods, Production, Government Contract, Reseller, Project.
DETAILS:
Advance Amount: 100% of COGS
Loan to Value: $50,000 +
Terms: Varies
SBA 7a | SBA 504
CONSTRUCTION AR
Construction companies can sell their invoices for immediate working capital to complete their projects.
DETAILS:
Advance Amount: Up to 85%
Amount: $100,000 – $10,000,000
Monthly Rates: Varies
Quick Loan Request
Let our years of proven expertise find you the funding you’re looking for.
Commercial / Industrial Real Estate Financing
- Purchase | Build | Refinance | Renovate | Owner-Occupied
- Non-Conforming Properties
- Single-Purpose Buildings
- Gas Stations
- Restaurants
- Repair Shops
- Auto Dealerships
- Hotels and Motels
- Convalescent Hospitals
- Veterinary
Conventional Programs for Commercial Real Estate
We offer conventional loans for stabilized investment and owner-occupied real estate from $200,000 to $100,000,000 or more in major markets nationwide. Rates can be as low as 3.75% with LTVs as high as 80% and terms out to 10 years with 30-year amortizations. Properties considered are Multifamily, Industrial, Office, Hotels, Mobile Home Parks, Self-Storage and Retail for acquisitions and refinance.
Construction Financing for Commercial Real Estate
We offer Construction Financing for projects. Oftentimes, we can structure construction to permanent financing depending on the project. Loan amounts are generally $10,000,000 to over $100,000,000. Sponsors or principles of the deal must be experienced with equity in their projects.
Cash Out and / or Restructured Commercial Asset Financing
Looking to cash-out on a deal or restructure financing on your commercial project? Give us a call and let SMG Financial work for you!
Equipment Financing
- Commercial Printing and Binding
- Machine Tools
- Manufacturing Equipment
- Heavy Equipment
- Trucking
- Medical Equipment
- Laundry / Dry Cleaning
- Diagnostic Equipment
Join our new Facebook group to speak directly with lenders that can fund your clients in reasonable time.
