Loan Options - MultiFunding Loan Options - MultiFunding

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Loan Options

You’re busy running your business, so let us worry about which loan option will best suit your needs. MultiFunding helps businesses obtain various types of financing, from SBA loans to bridge financing. In fact, we have experience delivering financial solutions to businesses in industries such as Retail, Medical, Online Services, Wholesale, Real Estate, Franchising, Contracting and more.

Working with MultiFunding means working with our vast network of lenders to find the best and most affordable financing options for your business. Put us to work for you

MultiFunding loan experts can help you with:

Franchise Financing
Opening a franchise requires business owners to invest cash upfront. Franchise fees and other costs are needed to get the operation off the ground. To help manage these costs, lenders provide franchise financing to business owners. MultiFunding has an exclusive franchise partner who specializes in using retirement funds to start a franchise.
Mezzanine Loans/Senior Debt Instruments for Mid-Sized Enterprise
Mezzanine financing secures loan options for mid-sized enterprises with the ability for debt to convert to company equity up to 100% of business assets. MultiFunding supports all types of middle market lending from $5 million and up.
Government Lending (7a, CDC/504, Express, CapLines, International Trade Loans)
The Small Business Administration (SBA) is a government entity that partially guarantees traditional bank loans (between 50%-85% of the loan amount) to lower lender risk and reduce interest rates on loans up to $5 million in value. These loans require a fair amount of time – and paperwork – for approval, accounting for 12% of all business loans by dollar volume.

To include

7(a): 7(a) loans are the most common type of business loan guaranteed by the SBA covering a broad range of collateral and business types.

CDC/504: CDC/504 covers real estate and equipment loans.

SBA Express: The SBA can expedite the borrowing process for a higher premium on smaller loan amounts (under $350,000).

CAPLines: SBA’s CAPLines program helps small businesses borrow for short-term and cyclical working capital needs.

International Trade Loans: The International Trade Loan offers loans up to $5 million for fixed assets and working capital for exporting businesses from small to mid-sized.

Asset Based Lending
Asset Based Lending (ABL) to include Factoring
In service-based industries, or where key assets are leased, lines of credit and loans use Accounts Receivable as collateral in place of physical assets. Typically, the lender will agree to “buy” future accounts receivable (A/R) receipts with cash upfront at a discounted rate. The discount is based on historical receipts.

Contract Financing
Businesses seek contract financing when they need an advance on their contracted work before service is completed but not necessarily before work on the project is finished.

P.O. Financing
When a business needs to fulfill an order and is running short on cash, lenders will buy needed items and cut a check to the supplier directly. The loan plus fees will be debited from the borrower in equal payments over an agreed-upon number of days. Inventory purchase loans can be expensive, but they can be the best option at the time.

Equipment Leasing
Instead of locking up substantial capital in an equipment purchase, it may make sense to lease your equipment from the manufacturer or one of the many lenders that specialize in equipment financing.
Working Capital
A working capital loan provides small and mid-sized business owners with extra funds in order to expand or improve current business. Working capital loans can be used for advertising, paying off tax payments or to become cash flow positive by paying off existing debt.
Commercial Mortgages (Owner Occupied, Investment)
A commercial mortgage helps businesses purchase or develop commercial property.
Bridge Financing
Bridge loans are short-term cash solutions that help keep the business alive while a longer term loan option is pending.
Debt Restructuring
When financial hardship strikes, debt restructuring allows a company to reduce and renegotiate its delinquent debts in order to improve cash flow and continue its day-to-day operations.

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