PRODUCTS

Facilitating Financing Your Business

Working Capital Loan

When cash is tight due to an unexpected dip in sales or a slow seasonal period, don't feel forced to scale back your operations or postpone growth opportunities. A Working Capital Loan can provide the surge of capital you need quickly and without the need for collateral!

Fast Working Capital Uses:

•    Inventory financing
•    Payroll
•    Purchase/lease equipment
•    Pay bills or vendors

•    Make tax payment
•    Expansion financing
•    Cash flow

•    Advertising
•    Purchase machinery
•    Purchase supplies  
    

How does Working Capital Loan work?

Working capital loans often work as bridge loans. They aren't used to make investments or purchases that focus on the long-term benefit of the business. Instead, these loans are meant to cover regular operational costs like rent, payroll, and debt payments. 
Typically, working capital loans for small businesses are unsecured, meaning they're obtained without collateral. This allows lenders to fund fast - one of the biggest selling points of working capital financing products. 
Because business working capital loans are used for short term goals and needs, they're often repaid in less than 18 months. 

Flex Pay Loans

Borrow Now, Grow Now, Pay Later 
Many merchants simply don't dream big because they believe they can't afford to borrow the funds they need. Flex Pay solves that problem.

 
Pay Loan allows you to defer up to 50% of your loan principal into the future, resulting in dramatically lower loan payments now! Things like renovations, remodels, additional locations, equipment purchases, partner buyouts, and more are not out of reach. Not any more! Our Flex Pay Loan is the perfect solution to get your project completed and begin earning a positive return on your investment now-without the need for collateral and without the stress to your cash flow! Flex Pay also has a unique early pay off option designed to minimize your interest costs. Couple this flexibility with our 6-month Line of Credit and the Flex Pay solution becomes even more powerful! 


Now that's the flexibility every business owner wants! 

Pay Less When It Matters

Defer up to 50% of your loan principal for more affordable payments now. Use the funds to grow your business, and pay it back when the time is right

Pay weekly NOT DAILY

Use the funds for what you need, and make low, fixed weekly payments. FlexPay is a loan NOT a cash advance, so repayment is not tied to your daily credit card receipts.

Pay On Your Terms

To help you pay off your deferral, we have a variety of options that will benefit you. You can roll it into the future, allow it to amortize over time, or simply refinance it.

Unsecured Lines of Credit  

As a successful business owner, you know it pays to be prepared. And, with a Line of Credit, you will be! As business conditions change, you can simply draw from your line as needed. The best part? You only pay for what you borrow, and your rate is 
locked in for a full 6 months!  

Bank Loan

Lending standards have gotten much stricter Ceunovo investments, LLC will help you prepare your paperwork and business plan to submit a loan package. Remember that banks such as J.P. Morgan Chase and Bank of America and many other banking institutions have earmarked additional funds for small business lending.

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Factoring

Factoring is a finance method where a company sells its receivables at a discount to get cash up-front. It's often used by companies with poor credit or by businesses such as apparel manufacturers, which have to fill orders long before they get paid. However, it's an expensive way to raise funds. Companies selling receivables generally pay a fee that's a percentage of the total amount. If you pay a 2 percent fee to get funds 30 days in advance, it's equivalent to an annual interest rate of about 24 percent. For that reason, the business has gotten a bad reputation over the years. That said, the economic downturn has forced companies to look to alternative financing methods and companies like The Receivables Exchange are trying to make factoring more competitive. The exchange allows companies to offer their receivables to dozens of factoring companies at once, along with hedge funds, banks, and other finance companies. These lenders will bid on the invoices, which can be sold in a bundle or one at a time.

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Crowdfunding

A crowdfunding site can be a fun and effective way to raise money for a relatively low cost, creative project. You'll set a goal for how much money you'd like to raise over a period of time, say, $20,000 over 40 days. Your friends, family, and strangers then use the site to pledge money. Crowdfunding sites funded roughly 100,000 projects, from rock albums to documentary films in the last few years.

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Angel Investor

Pitch your new projects, businesses, or ideas to one of our many an angel investor, but keep in mind the economic turmoil of the last few years has made a complicated game even trickier. Here are some tips to win over angel interest:

One of our experience representative will guide through the process of preparing you and your management team to help ease investors' fears about your company's ability to deal with a tough economy. Even an unpaid, but highly experienced adviser could add to your credibility.

Remember that you started your company because you are truly passionate about your business and/or idea be mindful that Angel investor can spot the difference between a real business and those whose companies are essentially get-rich-quick schemes.

We will help you create market assessments, competitive analysis and solid marketing and sales, even young company need to demonstrate an expert knowledge of the market they are about to enter as well as the discipline to follow through with their game plan.

 

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SBA Loan

With banks reluctant to take any chances with their own money in the wake of the credit crisis, loans guaranteed by the U.S. Small Business Administration have become a hot commodity. Indeed, funds to support special breaks on fees and guarantees on SBA-backed loans have run out a number of times. And while SBA-backed loans are open to any small business, there are a number of qualifications, including:

Under law, the SBA can't guarantee loans to businesses that can obtain the money they need on their own. So you have to apply for a loan on your own from a bank or other financial institution and be turned down.

In order to qualify as a small business we will help you and your business prepared to meet the government's definition of a small business for your industry.

Your business may need to meet other criteria depending on the type of loan.

After determining that your business meets the qualifications, you need to apply for a commercial loan from one of our financial company partners that processes SBA loans since the SBA doesn't provide loans directly. The bank's qualifications can be more stringent.

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Microloan

The lack of a credit history, collateral or the inability to secure a loan through a bank doesn't mean no one will lend to you. One option would be to apply for a microloan, a small business loan ranging from $500 to $35,000. Microloans are often so small that commercial banks can't be bothered lending the funds. Instead of a bank, you need to turn to a microlender. a non-profit organization that works differently than banks. Microlenders offer smaller loan sizes, usually require less documentation than banks, and often apply more flexible underwriting criteria. We can choose from our microlenders partners throughout the U.S. and they often charge slightly higher interest rates for loans than banks.

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