You just got more money.
You just got more money.
(And you can have more whenever you want it).
(And you can have more whenever you want it).
Many small to medium size businesses have a tough time managing cashflow...

If you're like us, accounting is probably verrryyyyy boooorrrrriinnggggg. And annoying. 

But... it's important. Because if you aren't careful and you don't pay close enough attention to the numbers...

Alternative small business financial services and solutions
So... we went out and found hundreds of financial solutions...
Why? Because money problems are kinda like a nosy neighbor. You never know when they'll show up...

And it's never, ever convenient timing when they do.

But when you have people depending on you and your business... you just gotta deal with it. 

So that's when we realized we wanted financial resilience.

No matter what happened, we would have access to more capital whenever we needed it. 

And we definitely didn't want to rely on the big (slow and bureaucratic) banks for it...
So that's what we got for our companies. 
And that's what we can (probably) get for your business too...
Here are some of the best FINANCIAL solutions we've used in our companies:
For companies with $10M+ in annual revenue, we also recently partnered with an "expense reduction" firm that doesn't charge any upfront fees & guarantees ROI without losing staff.
Small/micro business & real estate acquisition funds up to $500,000.
A vastly underserved market in small business ("mainstreet") mergers and acquisitions are companies that are sold at valuations below $1,000,000. The costs and time required for due diligence can be fairly similar, so some colleagues of ours decided to specialize in putting together these types of deals since many other lenders won't give them the time of day. They have a variety of different structures to provide the funding, and lending approval generally only requires having one (or more) of the follow three criteria:

1. Ideally a credit score of 680 or higher 
2. 6+ months in business and $15k+/mo in revenue 
3. $40-50k+ in retirement assets not w/ a current employer

If you need this type of flexible funding, reach out and we'll connect you
Want access to our team of financial & wealth building advisors?
The most important thing you ever build into your business is your team. That usually starts off with employees, then managers, then executives, and then a board of advisors. But the natural progression of business can accelerate dramatically when you focus on building your board first (as long as they're strategically aligned with your goals). While we're pretty dang good at solving problems and finding resources for M&A, marketing, systems, money, and people, there are other important types of advisors that can help you with your investments, tax mitigation, insurance strategies, corporate structuring, legal implications, and much more. And even if you already have a board of advisors, one of the most expensive mistakes we've made in the past was not getting a 2nd opinion because it can never hurt to explore additional options. Reach out if you want an introduction to a personally vetted team of wealth & investment advisors.
Zero fee card processing that rewards your cash customers.
Virtually every business owner we speak with dislikes (for lack of a better word) their current merchant services provider. Ditching your credit card processing fees is one of the fastest ways to instantly add 2-4% MORE profit margin. What's that? You were told that you were paying less than 2-4%? Well, let's check your processing statement because those are super easy to understand, right...?  The merchant services industry is notoriously unethical, so we went and partnered with the most reputable company we've ever found after using 100s of different merchant accounts. For businesses that qualify, they even have a "fee free" processing service that doesn't charge ANY fees to the business. No credit card fees. No PCI or compliance fees. Literally a $0 statement every month. And if for some reason you don't want to reward your cash-paying customers, they have many other plans that will most likely beat what you're currently paying so it's worth taking a look. Give us a shout & we'll put you in touch with them.
Business capital solutions when the banks won't lend you any money.
Let's get real for a minute. Most small business lenders are predators. That's just the reality of B2B finance. But a countless number of business owners we've spoken with have expressed a need for more capital, but their bank(s) won't lend to them or the only other options they're given are crippling to the business. The reality is,  banks typically only lend out money to people who don't actually need the money... Fortunately,  most businesses don't realize how many alternative lending solutions are currently available to them. Even worse, once they've been rejected by one or two institutions, they think that means no one else will give them the capital they need. And that is definitely, most assuredly, not true. One of the easiest to qualify for and fastest ways to raise capital is through alternative financing. Plus some of these solutions are not technically considered a "loan" so you can pay them back AFTER you've already been paid. Would that be helpful? Give us a shout and we'll connect you with the best sources we've found.
All-in-one business credit tied to your EIN rather than your SSN.
Getting lines of credit for your business can be kind of a pain. The process is confusing and very often disappointing when you find out you have to sign a personal guarantee and have the credit line tied to your personal SSN rather than your company's EIN. We spent years trying to figure out a way around this, but it wasn't until we found this company that we finally figured it out. They've developed a system for steadily and consistently building up your business credit score over time which will give you access to more capital and lines of credit than you ever realized was possible
Other alternative financing sources you can leverage for fast cash.
It's important to understand that you very well might have cash inside of your business that you didn't realize you had. We had an epiphany when we discovered all of the financeable assets we already had inside of our own companies. Beyond real estate, literally anything else you have that has value can most likely be leveraged to pull some cash out of it. Unpaid receivables, inventory, intellectual property, equipment, etc - you can take out loans against any of it (although debt to equity ratios will vary). Reach out if you'd like some ideas on how to get some cash out of your business.
SBA Loans: 7(a) & CDC/504.
Loan Amounts: $250,000 – $5,000,000
Loan Terms: 10 – 25 Years
Interest Rates: Varies
Time: As Fast As 7 Days
SBA loans are part of a program created by the U.S. Small Business Administration. However, the difference between an SBA and other loans is that it’s a guarantee from banks and certified lenders. This means the SBA doesn’t actually give you money. Rather, they determine guidelines for lenders and guarantee applicants up to 85% of the loan. This way, the lenders remain protected from potential defaults and it allows for them to provide funding for entrepreneurs with very little risk. The 7(a) Loan Program is pretty flexible for your entrepreneurial needs. However, the primary uses include: refinancing existing property, purchase new property, revolving funds, equipment purchases, working capital, and the purchase of real estate. You can receive upwards of $5 million in guaranteed financing and applications are processed through banks, certified lenders, and credit unions. The CDC/504 Loan Program is primarily used for project funding. When your loan is approved, you’ll receive 50% of the money from the bank and 40% of it from a Certified Development Corporation (CDC). In this instance, project funding means fixed assets including: buying equipment, buildings, land, building or renovating new/existing facilities, landscaping, and debt refinancing due to renovations or improvements upwards of $5 million. Want access to our favorite SBA lender for both types of loans?
Retirement funding & leverage.
Loan Amounts: No limit/minimum
Loan Terms: Varies
Interest Rates: Varies
Time: 14 – 21 Days
A Business-Directed Retirement Account (BDRA) is a deposit account (not a loan) in which a fixed sum of money is given and where your retirement annuities can be withdrawn. Specifically, a BDRA allows you to invest your retirement assets directly into your new business without any penalties of taxable distributions. The BDRA program one of our partners built focuses on providing quality, customizable, retirement funding for entrepreneurs. They provide top quality legal support, 5 year management consultation, custom retirement plan design, access to additional funding, and audit protection guarantee. As an entrepreneur, you may not always have the funds needed to get you off your feet. And you likely won’t want to use all of your retirement funding. They help develop unique solutions for you and can combine a BDRA with other unsecured business finance options. This can help increase your startup capital with zero collateral, manage your risk by starting the business with a hybrid structure, build relationships with the banks to refinance down the road, and start cash rich with a line of credit that has 0% APR. To qualify you must have at least $40,000+ in a retirement account with a previous employer. This includes a 401(k), IRA, and 403(b). If you meet that requirement, you can expect funding anywhere between $20k and $200k. Want our preferred BDRA system and resource?
Equipment financing solutions.
Loan Amounts: $5,000 – $5,000,000
Loan Terms: Life Expectancy Of Equipment
Interest Rates: 6% – 30%+
Time: As Fast As 48 Hours
Ideal Annual Revenue: $20,000
Ideal Credit Score: 600 – 800
Time In Business: 2+ Years
Equipment financing allows you to fund up to 100% on new or used equipment for your business. This can include tools, appliances, computers, or even vehicles– but there’s plenty more that can be funded using this type of financing. When it comes to equipment loans, there’s little paperwork and you can get easy access to cash since the equipment is the collateral. Businesses today need the best commercial equipment and the most affordable financing available to stay competitive, operate efficiently, and deliver high quality products and services. If you'd like access to some of the best financiers we've worked with, just ask us for an introduction.
Unsecured business finance sources.
Loan Amounts: $25,000 – $250,000
Loan Terms: Revolving credit accounts
Interest Rates: 0% Intro APR for up to 21 months, market rates thereafter
Time: 7 – 10 days
Ideal Annual Revenue: $0 or higher
Ideal Credit Score: 600 – 800
Time In Business: No Time in Business Required
Unsecured business finance is a FICO driven program for credit worthy applicants. With unsecured commercial financing, there is no collateral needed. However, a good credit score is required in order to qualify. In comparison to secured loans, unsecured loans are a higher risk for lenders– which means higher interest rates and required credit scores. Applicants are able to choose one guarantor of their choosing if their credit is not high enough. The main two forms of unsecured funding are business credit cards and bank lines of credit. However, you'll want to be careful with how you set everything up to minimize your risk, so just let us know if you'd like our help.
Startup business funding.
Loan Amounts: $5,000 – $350,000
Loan Terms: 0 – 7 Years
Interest Rates: 0% (for up to 21 months) to 15%
Time: 7 – 10 days on average
Ideal Credit Score: 680 or better
Time In Business: N/A
Startup funding is a loan type specifically geared towards helping  finance a business with very little commercial history. Startup funding comes in many shapes and sizes, ranging from business credit cards, personal loans and lines of credit. However, even less traditional lenders like friends or family could constitute as a startup loan if the money were to be put towards a business. The main four are business credit cards, personal loans, lines of credit, and BDRA using your retirement funds. Want our best resources?
Personal loans.
Loan Amounts: $25,000 – $500,000
Loan Terms: 3 – 7 Years with no prepayment penalty
Interest Rates: Starting At 5.99%
Time: 7 to 10 days on average
Ideal Credit Score: 680 or better
Time In Business: N/A
Personal loans are finances borrowed from traditional banks, alternative lenders, or credit unions with fixed terms and rates. Much like any other loan, you pay the money back in monthly intervals at a set interest rate. The majority of personal loans are unsecured – meaning there is no collateral involved. We've also seen options where the funds are structured as a revolving line of credit as well. Ideally you'll want to have a score of 680+ and $35000 or more in annual income. Want our favorite lender for these?
Revenue-based cash advances.
Loan Amounts: $5,000 – $1,000,000
Loan Terms: 6 – 60 Months
Interest Rates are represented as Factor Rates: 1.14 – 1.50
Timeframe: As Fast As 48 Hours
Ideal Annual Revenue: $100,000+
Ideal Credit Score: 550+
Required Time In Business: 3 Months or more
Originally, a revenue-based loan aka "cash advance" was designed to be a lump-sum payment for businesses in exchange for a specific percentage of future credit / debit card sales agreed-upon by both parties. Now, it’s more commonly used to describe an variety of financial options for small businesses. They’re typically characterized by shorter payment terms and smaller payments in comparison to traditional bank loans. However, a "cash advance" can also be used when describing purchasing potential credit card sales receivables as well as short-term business loans. These loans are great for business owners with limited time in business and/or limited collateral. Some lenders are flexible when it comes to your personal credit score as well. These loans are ideal for businesses who have daily sales and are looking for a short term funding solution. Learn more by reaching out.
Real estate funding & leverage.
Loan Amounts: $50,000 - $5,000,000
Loan Terms: Varies
Interest Rates: Varies
Timeframe: Up to 30 days
Ideal Annual Revenue: N/A
Ideal Credit Score: 550+
Required Time In Business: N/A
If you already have or need real estate funding for your business, many of our financial partners have a variety of solutions for you to use to accomplish that. So whether it's for rental property financing, asset-based loans for rental properties, single family rental portfolio loans, fix & flip and new construction financing, short-term financing for residential real estate investors, fix & flip single loan fix & flip line of credit new construction, small balance commercial mortgages, or cash outs for both owner-occupied & investor-owned property. Alternatively, if you just need to pull some cash out of existing property you own to leverage back into other assets for your business, our financial partners most likely have a solution for you. So if you either want to acquire more real estate, or just leverage the existing property that you have, reach out to see what kind of options are available
You ready to be done with cashflow problems for good? 
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