Our Services
SBA 7A Loans
Working Capital: Cover day-to-day operational expenses, payroll, utilities, and other short-term cash needs.
Equipment & Machinery: Purchase or upgrade essential tools, machinery, vehicles, and other equipment necessary for business operations.
Real Estate & Property: Buy or renovate land, buildings, or office space, as well as finance long-term lease improvements.
Inventory & Supplies: Acquire inventory and raw materials, ensuring the business has adequate stock to meet customer demand.
Refinancing Existing Debt: Replace higher-interest loans or unfavorable financing terms with more manageable and cost-effective repayment schedules.
Business Expansion & Growth: Invest in additional locations, expand product lines, enter new markets, or ramp up marketing efforts to grow the business.
Acquisition of Existing Businesses: Purchase an established company, taking advantage of the SBA’s favorable terms to facilitate ownership transitions.
Bridge Loans
Residential Property Transactions: Homebuyers looking to purchase a new home before their current residence sells might use a bridge loan to cover the down payment or closing costs, ensuring a smooth transition between properties.
Commercial Real Estate Acquisitions: Investors or developers can use short-term bridge loans to quickly close on a desirable property while long-term financing is still being secured, allowing them to capitalize on time-sensitive opportunities.
Property Renovations and Flips: Real estate investors undertaking value-add projects can rely on bridge loans to fund renovations or improvements, then refinance into a more permanent loan or sell the property once it has increased in value.
Business Expansion and Acquisition: Companies may use bridge loans to cover immediate expenses involved in acquiring another business, expanding to a new location, or launching a product line while awaiting a more permanent financing round.
Refinancing or Stabilizing Cash Flow: Property owners who anticipate more favorable lending terms in the near future—or are waiting for lease agreements to finalize—can use bridge loans to maintain liquidity and keep their operations stable until they qualify for a long-term loan.
Short-Term Funding Gaps: Whether it’s to cover an unexpected expense, manage a delayed payment from a client, or bridge the gap between internal fundraising and receiving external capital, a bridge loan provides quick access to funds without long-term commitment.
Non-QM Home Loans
Self-Employed Borrowers: Providing financing options for those who rely on irregular or non-traditional income sources (e.g., freelancers, contractors, business owners) that may not conform to standard W-2 documentation requirements.
Asset-Based Financing: Allowing high net-worth individuals to qualify based on assets rather than income, enabling them to leverage significant savings, investments, or retirement accounts for loan qualification.
Credit Event Accommodations: Offering solutions for individuals with prior bankruptcies, short sales, foreclosures, or other credit blemishes that could disqualify them from traditional lending programs.
Investor Financing: Supporting real estate investors who may not show steady W-2 income but generate cash flow from multiple properties or other investment streams.
Complex Income Profiles: Catering to borrowers with multiple income sources, variable commission structures, seasonal earnings, or foreign income that make standard qualification processes challenging.
Jumbo and High-Balance Needs: Providing mortgage options for borrowers seeking larger loan amounts that exceed the conforming loan limits, even when their income documentation is atypical.
Refinancing Non-Traditional Assets: Allowing current homeowners who don’t meet strict conforming guidelines to restructure their mortgage terms or access home equity despite non-traditional income or credit situations.
SBA 504 Loans
Small Business Administration 504 Loan: Low interest rates and long terms
Commercial Real Estate Acquisition: Buy land or purchase an existing building to serve as the business’s operating location.
Construction and Renovation: Construct a new facility, expand an existing building, or make substantial renovations or upgrades to current premises.
Equipment Purchases: Acquire large, long-term machinery and equipment that have a useful life of at least 10 years and are essential to the business’s operations.
Refinancing Eligible Debt: Consolidate and refinance certain existing debts related to the expansion of the business, provided the funds originally financed fixed assets and meet SBA criteria.
Book keeping Services
Accurate Record Keeping – Maintain precise and organized financial records.
Expense and Cash Flow Tracking – Monitor spending and ensure healthy cash flow.
Invoicing and Payments – Manage billing, receivables, and payables efficiently.
Tax-Ready Financials – Prepare accurate records for smooth tax filing and compliance.
Financial Analysis Services
Profit and Loss Analysis – Evaluate business performance to maximize profitability.
Cash Flow Forecasting – Predict and manage future cash flow needs.
Budgeting and Planning – Develop financial plans to support growth and stability.
KPI and Performance Tracking – Measure critical metrics to guide strategic decisions.
Conventional CRE Loans
Competitive Interest Rates: Often lower than other loan types, especially for borrowers with strong credit.
Flexible Loan Terms: Borrowers can choose from various term lengths (e.g., 15, 20, or 30 years) to suit their financial situation.
No Mortgage Insurance with Larger Down Payments: If the down payment is 20% or more, borrowers can avoid private mortgage insurance (PMI), reducing monthly payments.
Wider Acceptance: Conventional loans are widely accepted, making them easier to use for various property types.
Potential for Faster Closing: These loans often have simpler underwriting processes, which can lead to quicker closing times compared to government-backed loans.