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Business Funding

1. Business Term Loans: Fixed-sum loans with predetermined repayment terms, usually used for long-term investments such as equipment purchase, expansion, or business acquisition.


2. Lines of Credit: Revolving credit arrangements where businesses can borrow up to a predetermined limit as needed, repay, and borrow again. Useful for managing cash flow fluctuations or unexpected expenses.


3. SBA (7A) Loans: Loans partially guaranteed by the U.S. Small Business Administration, facilitating access to financing for small businesses with favorable terms and lower down payment requirements.
 

4. Working Capital Loans: Short-term loans used to cover day-to-day operational expenses, such as payroll, rent, and utilities. Designed to address temporary cash flow gaps.
 

5. Bridge Loans: Short-term financing typically used to bridge the gap between immediate financial needs and a future long term financing solution. Commonly used in real estate transactions or during periods of transition.
 

6. Hard Money: Loans secured by the value of a collateral asset, often real estate, with less emphasis on the borrower's creditworthiness. Typically carry higher interest rates due to the increased risk for the lender.
 

7. Equipment Leasing or Financing: Options for acquiring necessary equipment without large upfront costs. Leasing involves renting equipment for a specified period, while financing allows for eventual ownership through installment payments.


8. Merchant Cash Advance: Financing option where a business receives a lump sum of cash in exchange for a percentage of future credit card sales. Repayment is typically made daily or weekly, based on sales volume.


9. Invoice Factoring / Accounts Receivable Financing: Methods of obtaining immediate cash flow by selling accounts receivable to a third-party company at a discount. Useful for businesses with outstanding invoices awaiting payment.

Real Estate Investment Funding

1. DSCR Loans: Debt Service Coverage Ratio (DSCR) loans assess a borrower's ability to cover debt obligations by comparing their income to their debt payments. These loans are often used for commercial real estate financing, with the property's income being the primary repayment source.
 

2. Traditional Fix & Flip: Real estate investment strategy involving purchasing distressed properties, renovating them, and then selling them quickly for a profit. This method typically requires upfront capital for purchase and renovation costs.
 

3. Refinance Loans: Loans taken out to replace an existing loan with a new one, typically with more favorable terms such as lower interest rates or longer repayment periods. Refinance loans can be used for various purposes, including consolidating debt or reducing monthly payments.
 

4. Rate & Term Refinance Loan: Refinancing option focused on adjusting the interest rate or the term (duration) of the loan, without accessing additional funds. This type of refinance is often pursued to lower monthly payments or shorten the loan term.
 

5. Cash-Out Refinance Loan: Refinancing option allowing borrowers to access the equity in their property by taking out a new loan for more than the current mortgage balance. The excess amount is received in cash, which can be used for other purposes such as home improvements or debt consolidation.
 

6. Bridge Loans: Bridge loans in real estate are short-term financing for immediate needs in property transactions, like buying before selling. They bridge the gap until long-term financing or sale proceeds, secured by the property. They offer quick access to capital but often with higher rates and fees.

Commercial Real Estate Funding

1. Hard Money: Loans secured by the value of a collateral asset, often real estate, with less emphasis on the borrower's creditworthiness. Typically carry higher interest rates due to the increased risk for the lender.
 

2. Bridge Loans: Bridge loans in real estate are short-term financing for immediate needs in property transactions, like buying before selling. They bridge the gap until long-term financing or sale proceeds, secured by the property. They offer quick access to capital but often with higher rates and fees.
 

3. Ground Up Construction: The process of building a structure from scratch, starting with preparing the site and laying the foundation, and proceeding with the construction of the building according to architectural plans.
 

4. New Construction Loans: Financing specifically tailored for the construction of new residential or commercial properties. These loans may cover the cost of land acquisition, construction expenses, and related fees until the property is completed.
 

5. Construction-To-Permanent Loan: A type of loan that combines the features of a construction loan and a traditional mortgage. Initially, funds are disbursed to cover construction costs, and once the project is complete, the loan automatically converts into a permanent mortgage.
 

6. Construction-only loan: Short-term financing solely for the construction phase of a project. Once construction is complete, borrowers must secure permanent financing, often through a separate loan, to pay off the construction loan.
 

7. Land Loans: Loans specifically for the purchase of undeveloped land or lots, typically used by individuals or developers who plan to build on the land in the future. Land loans may have different terms and requirements compared to loans for developed properties.

Cannabis Funding

Unsecured Cannabis Business Loans


• Based on Revenue or Personal Income


• Rates Starting at 12%


• 6 Month to 7 Year Repayment Terms


Cannabis Equipment Financing


• Up to 75% Loan to Value


• Rates Starting at 7%


• 3 to 5 Year Repayment Terms


Cannabis Real Estate Financing


• 65% to 90% Loan to Value


• Rates Starting at 6%


• 5 to 20 Year Repayment Terms

Programs

Unsecured Business Funding: Easy to qualify for and is often the first step in obtaining and building business credit.

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Requirements:
• 680 Credit Score
• No proof of income required ➢ Funding Limit: $150,000
• Funding Form: Business/Personal Credit Card
• Funding Timeline: 4 Weeks

 

Personal / Start Up Capital Programs Unsecured Business Funding: Easy to qualify for and is often the first step in obtaining and building business credit.


Requirements:
• 680 Credit Score
• No proof of income required.
• Funding Limit: $150,000
• Funding Form: Business/Personal Credit Cards
• Funding Timeline: 4 Weeks

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Personal Funding: This program is ideal for real estate investors that want fast funding with minimal documentation enabling them to purchase properties with no money down. It is a great option for someone with strong credit and a steady income.
 

Requirements:
• Minimum 680+ Credit Score
• Minimum 40k/Year W2/1099 income
• No bankruptcies within the last 5 years
• Funding Amount: $300,000 (individual) $500,000 (Household)
• Funding Form: Term loans and lines of credit
• Funding Timeline: 2 weeks


Hybrid Program: This is the best of both worlds. Business credit with personal term loans stacked on top. No industry restrictions can be used for GAP funding for some real estate transactions.
 

Requirements:
• 680 Credit Score
• No proof of income required for biz credit, to stack personal term loans does require income verification.
• Funding Amount: $250K +
• Funding Form: Credit Cards/Term loans
• Funding Timeline: 2-4 weeks


Fast Track: This is the sister program to Unsecured Business Funding however with lesser requirements. This is perfect for the client that is just beginning to build their credit profile.
 

Requirements:
• Minimum 670 Credit Score
• No provable income required.
• Funding Amount: $10,000-25,000+
• Funding Form: Personal Credit Cards
• Funding Timeline: Less Than 2 Weeks

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Fast Low Doc Business and Personal Term Loans:


Program Highlights:
• Flexible Terms: Tailor your loan with terms of 3, 5, and 7 years. You even have the option to extend to 10 or 12 years for added flexibility.
• Competitive Rates: Enjoy rates between 8% to 12% on average, ensuring affordability that aligns with your financial goals.
• Fast Funding: Qualified applicants can access funds within just 10 days, providing a quick and hassle-free experience.
• Clear Terms: Our Lite/No Doc loans feature straightforward terms, eliminating any hidden surprises for your peace of mind.
• Eligibility Criteria: To ensure accessibility for all, we require a minimum credit score of 700 or higher, allowing us to offer the best terms and rates available.

 

Additional Loan Features:
• Personal Loans:
• Amounts from $20,000 to $200,000
• Funding in as few as 5 days
• No personal collateral required.
• Success Fee: 9.9%


Business Loans:
• Amounts from $20,000 to $500,000
• Approval in as little as 24 hours
• Funding in as few as 3 days
• Flexible repayment terms up to 12 years
• Won't affect personal credit.
• No personal collateral required.
• Success Fee: 4%

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SBA 7(a):

 

Key Features:

  • Increased Working Capital: Clients can now receive up to $350,000 in expedited working capital to grow their businesses.

  • Fast Closing: Close within 30 days or less, it’s faster than any other SBA loan of this size on the market.

  • 10 Year Repayment Terms: 10-year term with monthly payments and low-interest rates of Prime +2,7-3%

 

Uses of Funds: 

  • Working Capital 

  • Equipment Purchase

  • CRE Purchase 

  • Debt Refinance 

  • Business Acquisition Startup 

 

Eligibility Requirements:

  • A minimum of 2 years in business.

  • FICO Score of 675 or higher.

  • Debt Service Coverage Ratio of 1.20x for the business and 1.10x globally.

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LIGHTNING-FAST SBA 7(a) LOANS UP TO $150,000
• 10-year term
• Funding within days, not weeks
• Monthly payments
• Less paperwork/Streamlined process.
• Dedicated in-house team.
• $25,000 minimum to 30% of top-line revenue up to $150,000

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Uses of Funds

  • Working Capital 

  • Equipment Purchase

  • CRE Purchase 

  • Debt Refinance 

  • Business Acquisition Startup 

 

Eligibility Requirements:

  • A minimum of 2 years in business.

  • FICO Score of 675 or higher.

  • Debt Service Coverage Ratio of 1.20x for the business and 1.10x globally.


BOLT Loan
• Best For: Working Capital
• Loan Amount: $25,000 to $150,000
• Funding Time: Within Days
• Repayment Terms: 10 years. No Prepayment Penalty
• Requirements: 700 Personal Credit Score & 2 Years In Business
• No Down Payment & No Collateral Needed


FLASHCAP
• Best For: Working Capital & Debt Refinance
• Loan Amount: $25,000 to $350,000
• Funding Time: 2-3 Weeks
• Repayment Terms: 10 years. No Prepayment Penalty
• Requirements: 650 Personal Credit Score& 2 Years In Business
• No Down Payment & No Collateral Needed


BEST FOR:
• Business Acquisitions & Partner Buyouts
• Commercial Real Estate Purchases
• Franchise Financing
• Debt Refinance
• Equipment Purchases
• Ground-up Construction & Renovation Projects
• Startup Businesses (less than 12 months in operation)

Blue Materials

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Grantham Capital Group

At Grantham Capital Group, we offer customized solutions for every stage of your business's development. Our advisors possess the expertise to uncover hidden market opportunities, enabling you to capitalize on new ventures and emerging trends. By understanding both your business requirements and those of lenders and investors, we negotiate deals that are mutually beneficial. With established relationships with top-tier lenders and an extensive network of strategic partners, we swiftly identify opportunities aligned with your business plan. With over a decade of experience in connecting businesses to funding sources, our team possesses the knowledge, visibility, and determination needed to deliver results. We offer timely deployment, flexible capital options, and optimal terms and conditions tailored to your specific needs!

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