SMALL BUSINESS LOANS
YOUR ONE STOP FOR BUSINESS LOANS
Rental Property Loans starting at 6.30% APR
Fix and Flip Loans starting at 9.24% APR
up to 100% financing available
for rehab, value add, and new construction projects
SMALL BUSINESS LOANS
MERCHANT CASH ADVANCE
WE PROVIDE THE FUNDING YOU NEED, WHEN YOU NEED IT!
I am here to help you with your business and your working capital needs. We provide loans from $5,000 to over $5 Million, whether you are looking for funding today or long term funding, we have a solution for you. I am here for you, now, and in the future to meet your financial needs.
APPROVED FAST
When working with Ray , he will get you a quick decision so you can get back to running your business. We will look at any type of credit and, companies that have been in business as little as 3 months. We look for creative solutions to get your business funded.
LENDING EXPERTS
In life there are experts at everything, we are experts at lending and finance. We have the most programs for the most businesses. Not only do we provide business loans, but we provide a free Business Audit, to get your business ready for future success!
QUICK RESPONSE
LENDING EXPERTS
ACCESS TO US 24/7
When working with RAY, he will get you a quick decision so you can get back to running your business. We will look at any type of credit and, companies that have been in business as little as 3 months. We look for creative solutions to get your business funded.
In life there are experts at everything, we are experts at lending and finance. We have the most programs for the most businesses. Not only do we provide business loans, but we provide a free Business Audit, to get your business ready for future success!
We are here for you, we have been in business for over 15 years and understand the struggles of running your own business. If you have a question in the middle of the night, shoot us an email, odds are we will answer it.
LOOKING FOR CASH THIS WEEK?
OUR BUSINESS FUNDING ADVANTAGE
1 PAGE APPLICATION
3 MONTHS BUSINESS BANK STATEMENTS
24-48 HR APPROVAL
NO TAX RETURNS
NO MINIMUM CREDIT SCORE
SCHEDULE YOUR FREE BUSINESS AUDIT TODAY!
WINE BAR
$110,000 Loan
$1100/per week | Once a Week
Loan Disbursed: 1 Day
Three owners
ICE CREAM PARLOR
$85,000 Loan
$69/per day | 5 Days a Week
Loan Disbursed: 2 Days
Past Bankruptcy
LADIES SHOE STORE
$110,000 Loan
$1100/per week | Once a Week
Loan Disbursed: 1 Day
Three owners
$85,000 Loan
$69/per day | 5 Days a Week
Loan Disbursed: 2 Days
Past Bankruptcy
$250,000 Loan
$499/per day | 5 Days a Week
Loan Disbursed: 1 Day
2 Tax Liens Paid Off
CAREGIVER FACILITY
$185,000 Loan
18 Month Terms | 1.29% Rate
Loan Disbursed: 11 DaysHome Based Business
TRAVEL AGENCY
9 Merchant Cash Advances
Loans Totaling $2.70 Million
Loan Disbursed: 2 Days
FRANCHISE FINANCE
$185,000 Loan
18 Month Terms | 1.29% Rate
Loan Disbursed: 11 Days
Home Based Business
9 Merchant Cash Advances
Loans Totaling $2.70 Million
Loan Disbursed: 2 Days
11 Locations
$490,000 Loan
Loan Disbursed: 6 Days
WHAT MY CLIENTS SAY ABOUT ME
"Ray was a life-saver! I had an emergency and had a choice, find a way to keep my business open, or shut my doors forever. Ray, got me the money I needed fast, and the best part is the process was super easy!"
• Jane Smith | Tampa, FL
FREQUENTLY ASKED QUESTIONS
WHAT LOAN SIZES CAN I APPLY FOR?
We handle all commercial loan sizes from $5,000 for small merchant cash advances, to well over $5,000,000 for SBA 7(a) programs.
WHAT TYPES OF BUSINESSES AND INDUSTRIES DO YOU WORK WITH?
We work with all types of businesses and industries. Small, medium and large businesses work with us to handle their financing needs.
WHAT STATES AND REGIONS DO YOU LEND IN?
We have lenders that work in all 50 States of the US, along with international lenders in Canada and Mexico.
DO YOU OFFER STARTUP FINANCING?
The only start-up financing we handle are SBA 7(a) financing, equipment financing, and loans against ones stocks (commonly-used to fund franchise businesses). Once you have been in business for 3 months we do offer Working capital loans at that point.
WHAT IS THE USUAL TIME FRAME TO RECEIVE FUNDING?
The time period for funding depends on the type of loan the business is seeking. For SBA and traditional financing, the time frame can be between 30-180 days. For alternative financing between 5-10 days. Working Capital takes 1-2 days.
WHAT ARE YOUR FEES?
We charge you nothing out-of-pocket. Most of the time we get paid a success fee from the lenders. In some situations relating to traditional financing where the lender does not offer a referral fee, we charge between 1-2% of the final facility amount, and it would only be due at funding.
DO YOU GUARANTEE SUCCESS?
No. But we are confident that we are among the most successful financing brokers at finding our clients the best possible financing for their companies.
WHAT CREDIT SCORES ARE NEEDED FOR FUNDING?
Generally, to qualify for bank and SBA financing, a business owner needs to have a credit score over 650. For other forms of alternative financing there is not minimum credit score requirement, but with increased lender risk will result in higher borrower costs. For our DSCR Rental Loans you will need a 640 Minimum Credit Score.
Ray Pates
Ray is from the West Coast
He has called Newport Beach home for the last decade.
He has been in business as an owner and consultant for over years.
Previously he was a mortgage broker and commercial banking loan officer.
He is a lover of food, cooking and spending time at the beach.
Call Me today!