Types of Financing Archives - Davy Business Capital

Unsecured Business Lines of Credit

Davy Business Capital specializes in Unsecured Business Lines of Credit. These business lines of credit do not require collateral and include anything from smaller business credit card solutions up to individual lines of credit for $500,000. How much the business owner qualifies for depends on the credit profile and the size and profitability of the business. Start-up companies with no established revenue and a business owner or partner with a good credit file can expect to receive between $25,000 – $100,000 normally.

Established businesses with revenues of $1,000,000 up to $10,000,000 can expect between $100,000 – $500,000 with no collateral if they qualify with their financials and credit. These are A-Paper products so the rates are very good. They range anywhere from 0% introductory offers on all our business credit card solutions to 1-5% over prime for the larger lines of credit. We don’t offer “subprime” Unsecured lines so you’ll either get the good rates or you will not be approved.

We offer a No-Obligation Pre-Qualification that takes 10 minutes to complete and only requires a credit-check that costs less than $45.Feel free to speak to one of our representatives on obtaining an unsecured line of credit.

Contract Finance

Davy Business Capital has a very unique contract finance program that is far less expensive then equity and provides for a more sensible solution for any business that may qualify for this product. Our approach allows you to acquire the maximum cash from your contract now by simply (monetizing) your contract that you either already have in place or are in negotiations with. We custom tailor each transaction catering to our client’s needs. This enables you to access the money you need from your sales immediately, instead of having to wait and receive payment incrementally over the life of the contract.

Program Highlights:

Minimum deals size $1,000,000
Customer investment grade or near investment
Service Contract must have a component of equipment
This program is not for ongoing service maintenance contracts
Great for startup or emerging growing companies

Industries where our products works best:

Any Break Through Technology or Process
Technology
Computer System/Software Development
Digital Broadcasting
Waste Management
Water Purification
Recycling
Medical
Retail
Communications
Entertainment
Banking
Food Processing
Education
Municipal
And many others!

Call us today to learn more about our Contract Financing solutions.

Commercial Real-Estate Finance

$100,000 to $100,000,000 or more

Davy Business Capital offers a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties. We can carefully structure the right financing solution no matter how small or large your transaction requires. Depending on the deal, we can offer recourse and non-recourse commercial real estate financing options. Our knowledge and depth of expertise maximizes efficiency and becomes your advantage

Programs:

SBA 7a and 504 Loans for Owner Occupied properties and Flagged and Non Flagged Hotels

We have the most competitive rates and terms for both of these programs. Rates as low as 4.5% and fixed terms out to 25 years.

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 LTV’s as high as 75% and terms out to 10 years with 30 year amortizations. Properties considered are multifamily, industrial, office, Hotels, Mobile Home Parks, Self-storage & Retail for acquisitions and refinance.

CMBS Loans for Commercial Real Estate and Flagged Hotels

In today’s commercial real estate market there are a few options to finance properties with one of them being a CMBS loan. CMBS stands for “Commercial Mortgage Backed Securities”. It is a type of mortgage-backed security backed by commercial properties that are “securitized” into a pool, and then transferred to a trust. The trust issues a series of bonds that are sold to investors. These loans are almost always issued by Wall Street investment banks like Goldman Sachs etc. The benefits from a borrowers perspective is a very low interest rate, non-recourse debt, with fixed term up to 10 years with 30 year amortizations with the ability to cash out. There are only a few investment banks offering these since the crash of 2008 and we have long standing relationships with all of them acting as correspondents for them. Properties include Multifamily, Office, Retail, Franchised Hotels, Anchored and Unanchored shopping centers, Credit Single Tenant. Loans amount are $1,000,000 to $50,000,000

Equity and Mezzanine Financing for Commercial Real Estate

Davy Business Capital is very experienced at securing Equity or Mezzanine financing for commercial real estate transactions. We can tailor fit solutions depending on each client’s situation. We represent various capital sources and high net worth investors to fund such transactions. Loans amounts are from $5,000,000 to over $100,000,000.

HUD and FHA lending for Commercial Real Estate

FHA financing provides long-term, fully amortizing, fixed rate, non-recourse loans. This program is for acquisition , refinance, new construction and/or substantial rehabilitation of: Multifamily rental housing, Seniors housing, Healthcare facilities including special care, and Hospitals. Highlights to this program include: Very low permanent fixed rates, Fully amortizing, fully assumable, Non-recourse, Integrated construction / permanent financing, Credit enhancement for tax-exempt financing. Loan amounts are generally $2,000,000 to $50,000,000.

Construction Financing for Commercial Real Estate

We still have the ability to offer construction financing for projects. Often times 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 have to be experienced with equity in their projects.

International Commercial Real Estate Financing

Davy Business Capital has the expertise and experience in financing commercial real estate in foreign markets. We can structure debt, equity, or mezzanine financing for all types of properties worldwide. Loan amounts are generally $50,000,000 to 1 Billion dollars. We are very active in the European markets and Eurasia but can consider transactions in other areas of the world.

Structured Settlement and Annuity Financing

Take advantage of our new innovative program that will allow you to sell your annuity for immediate lump sum cash now. Whether you want to sell:

All of your payments
Some of your payments
A certain portion of each incoming payment

Benefits to our Program?

Combat an unexpected change or big expense in your life with instant liquidity
Customize options based on each personal situation
Cash out your inherited annuity
Position assets for transfer to heirs
Avoid high surrender charges
Experience world class customer service

As a guideline, the following information is helpful when requesting a quote. Even if you don’t have all the information, call us and we can guide you.

Information you will need when requesting a quote for a fixed annuity:

First payment date
Last guaranteed payment date
Payment amount
Payment frequency (e.g. monthly, annual, etc.)
Insurance company name
Annuity policy number

Purchase Order and Trade Finance

We provide purchase order funding for the import and export, or domestic production of pre-sold merchandise. Often, a company’s greatest challenge is not sales or production, but simply locating the financing to procure pre-sold merchandise.

Our areas of expertise include production finance for work in process and Letters of Credit for trade finance, including import and export transactions as well as domestic trade purchases. If you are a producer, distributor, wholesaler or reseller of manufactured products we can help you. Even if you are a start-up, have poor cash flow, or little access to capital we can help

The Benefits of Purchase Order Financing include the following:

Allows companies to grow without increased bank debt or selling equity
Helps ensure timely deliveries to customers
Increases market share
Allows companies to make larger profits by fulfilling larger orders
Fast flexible funding

Merchant Cash Advance

We can provide your business with a merchant cash advance against its merchant account of up to $200,000 per business location. An alternative to a small business loan, these funds against all future credit card sales (Visa, MasterCard, American Express, Discover, etc.) are typically available within 7 days or less.

Use the money how ever you see fit: inventory, expansion, advertising and more.

Benefits include:

No Application Fee
No Closing Costs
No Fixed Payments
No Equity Loss
Easy Payback

Get on track today to provide your business the cash it needs to grow and operate.

Project Financing

These days it takes the right team to properly structure the right financing for large projects from $1,000,000 to $50,000,000 or more. We offer comprehensive solutions to commercial financing needs that are often unavailable to banks or traditional commercial channels.

Our team has the experience and access to funding to successfully analyze and fund your project. We can cater to your unique circumstances and can structure financing very creatively based on assets, experience, projections, and the unique aspects to your project. Our capital partners provide a virtually limitless funding capacity. Whether your project is 1 million dollars or 100 million dollars, we have the resources to properly structure and fund your deal.

We can offer the following types of financing:

Venture Capital
Energy Financing
Equity Financing
Mezzanine Financing
Debt Financing

Franchise Financing

When it comes to franchise financing, there is no better place to obtain financing than with us. No matter if you’re a first time owner, or have multiple locations, we have the ability to get the financing you need from $150,000 to over $1,000,000.

We offer a variety of financing options for purchasing real estate or equipment, new construction or remodels, acquisitions, or refinancing. We offer a fast pre-qualification process for your franchise loan and never, ever waste your time.

Our Franchise Financing program includes:

Up to 90% LTV
Extra cash for Working Capital
Rates as low as 6%
Fast closing and commitments
First time owners
Up to 25 year terms
No Pre-Payment Penalties

Take the next step to your financial future and call us today. (432) 770-6105

Private Equity / Joint Venture

Davy Business Capital has had remarkable success helping companies introduce Equity or Joint Venture capital into their businesses. With our numerous strategic alliances and expertise in the private investment arena, Davy Business Capital can provide a broad investment mandate, including recapitalizations, management buyouts, corporate divestitures, leverage buyouts, and growth capital and can pursue quality investments in all industries.Some of the points that our firms look for in a potential investment:

Strong management team
Significant growth potential
Ability to create value
Ability to generate cash
A clearly defined exit strategy

Mergers and Business Acquisitions

$1,000,000 to $500,000,000

Let Davy Business Capital‘s experience be the guiding light for your corporate financing. We conduct an in-depth analysis of the business that is being acquired, so we can then leverage the existing assets of the business to structure the right financing for you.