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I have a contraction deal 800 credit doing more than 7-00k monthly and he is looking for a offer with very low interet. He alrady turned down a 1.25% offer. He is looking for something omore like a line of credit or term loan that is fully unsecured. Rate in the teens or lower.

My name is Marcelo, and I run Shōkunin.   I am a licensed broker, certified exit planning advisor/business broker, State Bar certified mediator/receiver, and place capital for commercial real estate and small and lower middle market businesses.   While I have a very strong presence in commercial real estate finance, I am looking to build on my capital sources for business owners. Several of my existing lenders have become a little flaky or are busy asset managing a portfolio experiencing diminishing returns/NPL’s so they’re reluctant to write new business.   I would like to learn more about your lending capacity, appetite and underwriting guidelines to determine if you are good fit for my client pipeline.     I don’t do MCA and very little factoring. It’s just not a good fit for who I work with. My focus is mezzanine finance, private capital, working capital, credit lines, and term loans where a traditional commercial bank isn’t a fit because of timing issues or uneven revenue/NOI. I can do SBA 7(a)/504 blindfolded, but oftentimes the needs of my clients can’t sustain a 45-75 day credit review process.   Most of my clients are in the $5-75MM revenue range who are in unique situations – partner buyouts, litigation settlements, DIP financing, expansion capital (but don’t own the real estate).   Most of my deal sizes are $500K-$10MM for business capital requests.   I have two deals in hand.   $5MM – Partnership buyout/litigation settlement – Restaurant Operator - $30MM Revenues – Multiple locations in Southern California. Appraisal included for partnership buyout to settle litigation. Full package with tax returns, but would like to find faster capital instead of an SBA 7(a) process.   $500K - Working Capital Line – Healthcare Collections Company - $8M revenue, Uneven NOI, $440K in A/R, onboarding three new clients including Cedars Sinai and the County of Ventura (California) that will help create a turnaround story with working capital. Has been in business for nearly 40 years.   I know getting through administrative requirements for ISO can be overwhelming, but I can produce deals. I’ve done about $10MM so far with other alternative lenders in the last two quarters. Given the state of the economy, I believe 2024 will be quite busy.   If I can be a resource to you, I have a deep understanding of credit and underwriting, and have larger checkwriter relationships for commercial real estate and lower middle market companies. Happy to help co-broker deals as I have a small cadre eight brokers around the country that I help get their deals closed.   Thanks in advance.   Marcelo Bermudez, CEPA www.marcelobermudezinc.com(http://www.marcelobermudezinc.com) www.youtube.com/@shokuninamerica(http://www.youtube.com/@shokuninamerica)

Looking for a lender for this scenario: C-Gas Station Cash Out $500K loan amount 75% LTV Excellent Credit Long term fixed financing Thank you

SBA to cut 40% of employees.... BREAKING NEWS -- WSJ Says SBA to Cut 40% of Employees, 2700 Jobs Wall Street Journal’s Meredith McGraw and Scott Peterson exclusively report SBA is planning to cut more than 40% of its workforce this morning.“The extensive workforce reduction and restructuring will take the SBA, an agency with more than 6,500 employees, back to pre-pandemic staffing levels by eliminating around 2,700 positions. The cuts will affect nonessential roles at the agency, and include voluntary resignations and the expiration of appointments made during the Covid-19 pandemic.”SBA administrator Kelly Loeffler also posted a video on X, titled "Change is coming to the SBA." Following is the transcription:"I'm Kelly Loeffler, Administrator of the US Small Business Administration. In my first message from the SBA, you saw what I encountered when I first arrived in Washington. Rows of empty desks sitting in multimillion dollar office buildings, thousands of work from home staff collecting an average salary in excess of a hundred and $34,000. That's more than double the national average wage. But the waste, inefficiency, and mismanagement go much deeper.Since the pandemic, the SBA has doubled its workforce, expanding in size, scope, and spending with miserable results. Instead of reducing the workforce after the pandemic, the last administration deployed the full force of this agency to advance a new partisan agenda from Green New Deal lending programs to DEI contracting. Predictably, the SBA services suffered. For four full years, the agency failed to pass an audit. Our largest loan program, which should operate at zero cost to taxpayers, saw negative cash flow for the first time in over a decade.Meanwhile, they refused to investigate or prosecute more than 200,000,000,000 in pandemic era fraud that is still to this day owed to American taxpayers. That's why change is coming to the SBA. The SBA is getting back to work. It needs to get back to our founding mission of empowering America's job creators. This agency is done wasting millions of tax dollars to fund a progressive pandemic era bureaucracy.We will not allow fiscal mismanagement to threaten our loan programs or criminals to get away with fraud. But we will evaluate every program and expenditure, and we will right size the agency to transform the SBA into a high efficiency engine for America's Entrepreneurs and taxpayers. As administrator, I'm committed to restoring the SBA's mission of promoting America's small businesses with accountability and results. Because when we restore our mission, we will also restore the historic prosperity that lifted up millions of small businesses during President Trump's first term. In short, we will make Main Street great again." Steve Benjamin Professional Business Loans 522 Contessa Irvine, CA 92620 steveprobiz@gmail.com https://probizloans.net/ Broker, Underwriter, general business loan expert 949.228.1050

I'm new to Funder Intel, so I'd like to introduce myself on this forum! I provide construction and term loans for commercial projects in rural areas across the country using the USDA B&I guaranteed loan program. Mechanically speaking, this loan program is similar to the SBA 7(a) guaranteed loan program, but instead is in partnership with the USDA. Some key characteristics of this program are: • Loans ranging from $2 million to $25 million • Fully amortizing repayment terms up to 30 years • Advance rates up to 80% LTV • Competitive pricing • Startups are eligible • Construction loans automatically convert to permanent debt (one closing) • Interest only periods up to 3 years are available -- commonly used for construction or expansion projects • No business size restrictions • Numerous eligible loan purposes can be blended into one loan, including real estate, equipment, refinancing, working capital, fees and costs Common industries served: Manufacturing, Industrial, Hotels, Senior Living Facilities, Healthcare, Storage and Transportation, Agribusiness, and more! I've dedicated the past 10 years of my career to financing rural projects under this program. 8 of those years were spent directly at the Agency, reviewing hundreds of lender's proposals. I have a unique insight on how to best structure and underwrite projects to maximize success! Please reach out if you have any questions or would like to discuss more! Cayla Holleman cholleman@pathward.com. 605-670-9859

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Here's a summary to review... Utah 2nd home $7.5M appraised value Current loans: 1st hard money lien $3M $30,000 a month payment 2nd hard money lien $417,000 $4,800 a month payment 8 MCA loans $393,015 $6,877 a day X 21 days = $144,417 a month Current monthly payments: $172,217 Total mortgage and MCA debt $3,763,106 add 5% lender/broker fees: 188,150 Total loan amount $3,951,256 Term sheet @ 9.5% 5/30 5 year fixed, no prepayment penalty New monthly payment with this loan: $33,224 Current monthly payment $172,217 Monthly saving: $138,993 Additional personal debt of $225,000 to be paid - debtors to be determined. New loan amount $4.5M Term sheet for $4.5M up to 60% LTV on $7.5M value 30 year loan at 9.5% fixed for 5 years/amortized 30 No prepayment penalty New monthly payment with personal debt: $37,838 Back up term sheet for 50% LTV $3.5M based on $7M value 10.49% amortized 30 years $31,989 a month payment Prepayment penalty of 5,4,3,2,1 over 5 years. 2% lender fee 1% my buddy source connection fee 2% split between me and referring broker Steve BenjaminProfessional Business Loans Irvine, CA 92620 SteveProBiz@gmail.com https:/probizloans.net/ 949-228-1050

I need a direct lender for a client with a 600 credit score. He took out an mca on a loan back in november around the 10th hes on time with his payments, He needs more funding. Is there any direct lenders that can help?

Time in business over 9 years, $4MM in gross sales. Personal credit score 680+. Please contact me for more details. Leslie Lopez leslie@nationaltransaction.com 754-214-1991