Our financing options
Accounts Receivable Financing
Financing Your Receivables for Better Cash Flow
If you are looking for ways to stabilize your cash flow so you can handle a higher volume of business more consistently, you need to have the right tools. That means understanding how different credit options extend your cash reach in different ways. Accounts receivable financing provides you with an option that is affordable and that allows you access to cash you are already owed, so you don’t have to worry about adding a lot of long-term debt to your business.
Financing Receivables Made Easy
When you contact Value Added Credit about financing your company’s accounts, our associates review your customers’ payment histories alongside their current outstanding accounts. In the end, it’s their credit that matters the most here, since your advance is against money they will pay. Once a sum is determined and dispersed, we take over collecting payment so you don’t need to worry about it. After we deduct the advance and our fees, you will receive what is left.
Benefits of Financing Your Company’s Receivables
- Access your cash when you need it
- Meet outgoing expenses on your own schedule
- Have more cash available for new orders
- Build the costs of financing into your estimates
- Reusable—finance new accounts as they come in or whenever you need it
Commercial Real Estate Financing
Find the Financing to Fit Your Purchase at Value Added Credit
Commercial real estate financing is not a one-size-fits-all venture. It’s a matter of very carefully matching the customer and their goals to the product, which is why we offer a wide variety of products for our clients to consider. With specialized funding that caters to the needs of customers in different business niches, our financing packages help whether you are investing in, developing, or reselling properties.
Financing Options for Our Clients
- Conventional Loans provide terms of 10 to 20 years typically, with amortizing payments and fixed interest rates. They also have no prepayment penalties, making them a favorite for many entrepreneurs.
- CMBS Loans give you many of the same features as conventional loans, but they trade lower interest rates for some restrictions on your prepayment options.
- SBA Loans allow small businesses with qualifying incomes to purchase the facilities they need to house their occupations with loans that offer them very generous interest rates and terms.
- FHA and HUD Loans provide funding for those who are making investments in properties that participate in federal housing programs.
- Construction Loans are built around milestones that allow you to leverage the equity you build in earlier phases to fund later phases of a project.
- Bridge Loans provide short-term financing to cover properties while they are being renovated to qualify for refinancing or resale.
- Mezzanine and Equity Financing is a means to combine traditional funding and equity sponsorship when debt financing won’t quite cover the entire project.
- International Financing connects people with large-scale global projects to the sovereign wealth funds and other high-dollar financing opportunities they need behind them when approaching projects at this level.
For more information about how to match your goals to your financing options, contact us today. Our associates are always happy to answer questions about funding options or to help you get started with an application. Don’t wait to discover your options for funding your next property purchase.
Consumer Financing For Your Customers
If you have been looking for ways to take advantage of the benefits that come when you offer credit to your customers, look no further. Value Added Credit has devised a program that is designed to help you provide the credit your customers need to say yes to your goods and services. With the flexibility to build credit options for just about any industry, our program flexes to work with your company’s needs.
- FICO score of 580 or higher
- Tiered pricing to reach more customers
- Flexible interest rates
- E-signature and instant credit approval
- Funding for purchases up to $10,000
- Works in practically any industry
Consumer Finance Programs Across Industries
Many people have the misconception that these programs are built for retail purchases. While they are certainly popular with stores, they are flexible enough to work with practically any business. Consumer credit has a long and successful history with healthcare and dental financing, as well as home improvement and repair, automotive repair, and in other areas. Recently, it has become especially popular with organizations seeking to provide payment plans for membership fees and tuition.
For more information about consumer credit programs and your business, contact us today. Value Added Credit associates are happy to answer your questions during regular business hours. Don’t wait to gain the benefits that offering credit will bring.
Equipment Financing and Leasing Options for Growing Businesses
Financing the core equipment you need to do business is one of the biggest challenges new companies face, and it doesn’t slow down once you are up and running. Instead, it becomes an ongoing process of deciding which investments in new machines will work best and what equipment you can access with shorter-term options for funding, like equipment leasing programs with flexible terms.
That’s where the Value Added Credit equipment financing program is built to work best. With options that allow you to choose when to lease and when to buy, as well as specialized initiatives for businesses at different phases of their growth cycle, there’s a lot here to help support our customers.
When you have a lot of equity tied up in older equipment and you need working capital, selling that equipment and leasing access to it in the short-term can provide you with the capital you need to make real long-term improvements in the way your business operates. This is a great way to fund upgrades, too!
Plenty of companies struggle against the traditional requirement that you provide two years of operating history with any loan application package because they aren’t that old. The Value Added Credit startup program is built to provide the options you need during that early part of your company’s history.
Regardless of the type of funding you are looking for, you can count on our financing options to scale with you. There are a lot of repayment structures to choose from at every price point, too, so you can find something that fits your business cycle. Terms of up to 84 months are available at every tier as well.
- Up to $150,000 with just an application
- $150,000 to $500,000 with full disclosures
- Over $500,000 as client income indicates
Franchise Financing Options for New Owners and Seasoned Investors
Franchise business opportunities provide owners with a path to a stable, profitable company of their own by following a unique blueprint put together by the brand itself. This allows you to focus on the day to day operations without worrying about finding your customer—there’s already an audience for the brand. These investments do require a certain level of flexible funding, though, because there are a number of start-up costs unique to franchise businesses.
Using the Value Added Credit Franchise Financing Program
When you apply to work with us, you gain access to a long-term loan program with stable interest rates that help you have a predictable monthly overhead. Long terms mean you can afford to reinvest and keep your business growing, and flexible funds from the loan can be used to cover any of the expenses new franchise owners face, making this a versatile and accessible product for new owners.
- Up to 25 year terms
- Rates as low as 6 percent
- Extra cash for working capital
- First-time owners
- Fast closings and commitments
- No prepayment penalties
For more information about the program or about applications, contact us today. Value Added Credit associates are always ready to help new clients understand our programs, including our successful franchise financing program.
Healthcare and Medical Financing
Financing for Everything Your Healthcare Practice Needs
Value Added Credit is committed to offering healthcare financing for practices ranging from veterinary clinics to chiropractic offices. No matter what healthcare services you offer, financing is a great way to accomplish everything that needs doing.
Buying out a partner or acquiring a similar practice near you can help grow your practice. Qualified medical professionals may earn up to 100% financing on their healthcare financing through Value Added Credit .
Having money to pay the bills is an important part of keeping your practice open and serving the community. There are no upfront payments required and loans of this type are not reported to personal credit bureaus.
Another use for financing in the medical field is to consolidate existing debts. Handling one monthly payment is always easier than handling many, and working with Value Added Credit means you could be approved in as little as 24 hours.
Medical equipment is often too expensive to be bought outright, but leasing can provide your practice with the necessary tools to diagnose and treat patients at a fraction of the cost. We even offer to cover up to 50% of the soft costs associated with this lease.
To learn more about earning the working capital your healthcare practice needs, contact our office today. You can complete one of our applications yourself or speak to a financial advisor who can answer all your questions.
Purchase Order Financing
Financing Presold Goods Is Easier Than Ever
Value Added Credit is here to help when your business excels at finding presold goods but needs assistance locating financing to finalize a purchase. Purchase order financing is a great way to increase the market share of your business and fill larger orders. You can find out what businesses we work with here.
Nearly Every Business Approved
Any business that deals in presold goods can apply for financing at Value Added Credit . We’re willing to work with a variety of business models, including:
Where your goods come from and where they are going also doesn’t factor in to whether you can apply for this great service. We’ll work with imports, exports and domestic production with equal confidence.
The Value Added Credit Benefits
Purchase order financing fromValue Added Credit does more than fund your next order, it can help your business grow. With extra financing, you can move past the initial phases of a startup with little capital to become a powerhouse in your industry. With fast and flexible funding that’s easy to apply for, receive and pay off, your business can have the tools it needs to grow.
Find out more today by contacting our office. You can request an application or speak to a trained financial expert.
Merchant Cash Advance
Advance Your Business With Value Added Credit
Instead of letting your small business rise and fall with market fluctuations, a merchant cash advance from Value Added Credit can keep your business afloat when consumer confidence is low. This kind of advance is especially beneficial for businesses recently turned down for a loan since it requires very little in the way of a credit check. Here is what you should know.
How Merchant Advances Work
A merchant cash advance is a loan based on future sales. Your customer transactions work to pay off the loan over time. Loan amounts can be as large as $200,000. Repaying the loan is done easily through consumer transactions with standard credit cards, such as Discover, Visa and American Express.
Benefits of Merchant Advances
An advance benefits your business by giving you the money you need for advertising, inventory, rental space and new employees. Getting your next merchant cash advance from us provides you with the following:
- Quick funds
- Easy payback method
- Minimal paperwork
- No unnecessary fees
- No fixed payments
Find Out More Today
To better grow your business, apply for a merchant cash advance form Value Added Credit . Your advance is paid back from your future transactions in an easy and stress-free way. Talk to a financial advisor today to find out more.
Small Business Loan
SBA Loans for You Business’s Next Step
A small business loan from Value Added Credit could be just what your small business needs. The extra financing from a loan can fund your business’s next move with very little risk. All of our SBA loans come with the approval of the Small Business Administration, meaning you can expect quick, reliable funding for a variety of applications.
Large equipment purchases are often out of reach for small businesses. An SBA loan form Value Added Credit can put these common heavy equipment items back in reach:
- Laundry equipment
- Dry cleaning equipment
- Printing machinery
- Binding machinery
- Machine tools
- Medical equipment
- Diagnostic equipment
- Trucking equipment
Purchasing a small business can also be done with a small business loan. When financing this loan, we look at a few factors, such as cash flow and how well the current business plan is being managed. In as little as 48 hours, you or a business partner could be prequalified for a loan financing up to 80% of your acquisition. These loans have no prepayment penalties, no ballooning and are fully amortized.
Business Property Financing
Applying for a loan is often the best way to finance various property needs, such as renovations, refinancing, purchases and building. The properties we work with at Value Added Credit include:
- Child care facilities
- Car repair shops
- Gas stations
- Car dealerships
- Veterinary practices
- Single-purpose buildings
- Nonconforming properties
Qualifying businesses can earn a loan up to $5 million with competitive rates and flexible terms. Fixed and variable rates are both available in our 7a and 504 programs. Terms up to 25 years carry no prepayment penalties and are fully amortized.
It’s never too soon to find out more about how your business could benefit from a small business loan. Contact our office today to speak with an expert financial advisor. There’s no obligation and prequalification is fast and easy.
Stated Income Commercial Real Estate
Use the Value of Your Property to Fund Your Business
Whether you are seeking to avoid the typical overflow of paperwork associated with a loan or you’ve been turned down for loans elsewhere, a stated income commercial real estate loan could help. Value Added Credit offers loans based on the value of real estate you own which can offset flaws in your credit. Here is a look at how these loans differ from traditional loans.
The Loan-to-Value Range (LTV)
The kind of property you choose to use for a stated income loan impacts the LTV rate you can earn. Here are some examples.
- Office, auto service, retail and self-storage facilities can earn up to 65% LTV
- Non-owner occupied investment properties with no more than 4 units can earn up to 70% LTV
- Mixed use and multifamily properties with 5 or more units can earn up to 75% LTV
While conventional banks offering traditional loans require upfront fees, collateral and a lot of paperwork, stated income commercial real estate loans from Value Added Credit look at the property value and some financial history. The property must have enough value to cover certain costs, such as taxes, insurance and mortgage.
Basic Loan Information
With a qualifying credit score of 600, you could earn a loan of up to $500,000 with fixed amortized rates. These funds can be used for anything your business needs, such as:
- Property purchases
- Loan refinancing
- Debt consolidation
When determining the kind of property that qualifies, know that we’re willing to work with a wide range of business types. Some qualifying properties include:
- Real estate
If your business needs a loan and you want to avoid paperwork overload, consider a stated income commercial real estate loan from Value Added Credit . Unlike a traditional loan, you could be closing within two to three weeks of qualifying. Contact our office today to speak with a financial expert.
Unsecured Business Line of Credit
ines of Credit to Grow Your Business
When your business needs a line of credit and your credit profile is good, Value Added Credit has the funding and flexibility to offer unsecured business lines of credit to get money flowing through your business once more. Here is a look at what startups and established businesses can expect while working with our team of advisors.
A good line of credit is important to funding a startup business, but where can you start if you have no established revenue? At Value Added Credit , we’ll look at a partner or business owner with a qualifying credit score to determine whether a startup qualifies. Lines of credit between $25,000 and $50,000 are typical in these cases.
When your business can show a strong track record and revenues between $1 million and $10 million, then you may qualify for unsecured business lines of credit between $100,000 and $500,000. With a good financial profile, no collateral would be necessary. We offer great rates and no subprime loans.
Launching the next phase of your business plan is easier with unsecured business lines of credit from Value Added Credit . Our prequalification takes just 10 minutes and a $45 credit check and comes with no obligation. A representative can speak with you today to help hammer out the details