VP Finance Inc. offer highly personalized service and help cut through the red tape that is often involved in securing business loans from banks and other lending institutions. You save time by having your loan or lease directed to the most appropriate funding source.
You are not limited to one funding source. A bank has one program, VP Finance has hundreds of programs and funding sources, available for their clients across Canada, the United States as well as , Australia and the U.K. These funding sources are monitored daily for the best interest rates and terms available to your business.
1. Acquisition- Loans
Business acquisition loans are funds borrowed for the purpose of purchasing or merging with another business, either by stock purchase or by private equity.
2. Equipment Leasing
Have you ever tried to get your bank to finance your business equipment with zero down payment? Most banks would not even consider this, yet VP Finance can offer you 100% financing for just about any type of business equipment. This allows you to conserve your cash for other uses and at the same time, can allow your business to write off 100% of the lease payments.
3. Start-up Loans
If you are planning to start a business, your best opportunity to obtain financing may be the assistance offered by VP Finance. Through our network we can provide capital for start-up businesses nationwide.
4. Commercial Property Loans
If you are considering the purchase or construction of Commercial Real Estate, VP Finance can offer you up to 90% financing and have access to some of the most aggressive programs in the industry. With loan terms up to 25 years you'll be surprised at how easy owning Commercial Real Estate can be.
5. Inventory Loans
When it's time to stock up, we can help with an inventory loan. Depending upon how quickly your supply turns, we can arrange flexible options to meet the specific timing needs of your business.
6. Unsecured Borrowing
A loan that is issued and supported only by the borrower's creditworthiness, rather than by some sort of collateral
7. Factoring / Accounts Receivable Loans (cash for invoices)
Why wait 30 days for your clients to pay invoices? With Accounts Receivables Factoring you can receive up to 95% of the money due your company in only 2-3 days. Our pool of investors specialize in buying invoices from companies like yours. This can be done regardless of your credit and without the "Personal Guarantee" often required by banks.
8. Lines of Credit
A line of credit can be one of the most useful financial tools for a small business. A VP Finance Consultant can help you determine if this is the right transaction for your business. You will be guided through the transaction every step of the way.
9. Warehouse Financing
Warehouse Financing is a structured method of financing, wherein funds are extended to manufacturers and processors based primarily on the underlying asset - commodities as identified by a warehouse receipt issued by an independent collateral manager.
10. Government Guaranteed Loans (amount up to $350.000)
Over 90% of businesses are considered "small businesses" by the government's criteria. If your business has less than 100 employees and does less than $5 million in annual sales, a loan through the government guaranteed loan program may be your best option. VP Finance specializes in helping business owners navigate through the maze of government and bank paperwork.
11. Construction Loans
While most construction loans are taken out for building houses and residences, business construction loans are commercial loans, taken out to build income-producing establishments. These can include office buildings, warehouses, and shopping centers. This is an important factor for lenders, because the revenue a property takes in plays a role in how the loan will be repaid.
12. Merchant Financing (Buying Credit Card Debit Card Sales)
We provide our customers with financing to help grow their businesses! Unlike traditional loans, Merchant Cash Advances have no fixed payments, timeframe or interest rates. It is the purchase of future debit and credit card sales at a discount and it is repaid directly through a small percentage of your daily sales transactions. In order to obtain this business loan alternative, customers must have a relationship with an approved merchant service provider, for your Interac and Credit Card Processing.
13. Franchise Loans
All franchises will require you to pay an upfront franchise fee. In addition to the franchise fee, you will need cash on hand for build-out costs and marketing, and enough money to support yourself and your family for the first year or two. You will most likely need to find financing or a franchise loan to cover the costs of opening your franchise. We at VP Finance will guide you through the process.
14. Flooring Lines
Retail floor planning is a type of short term loans used by retailers to purchase expensive inventory such as automobiles. These loans are secured by that inventory as collateral.Floor planning is commonly used in new and used car dealerships. Few dealers own the vehicles on their lots, most are floor planned by a financial institution or by the automobile manufacturer. Floor planning costs can run into hundreds of thousands of dollars a month for a big multi-location dealer with large inventories. Dealers of recreational vehicles, boats and large appliances may also use floor planning for all or part of their inventories.
15. Equipment Sale Leaseback
Equipment sale leaseback is the sale of a recently purchased asset (business equipment under ten years old) for cash. The asset remains on the your property with a contract to lease it back from the lessor who is purchasing it. At the end of the lease term, your company has the option of purchasing the asset at a pre-determined amount. The purpose of the leaseback is to free up your capital investment while allowing you to retain possession and use of the property. The type of property involved can be commercial equipment or vehicles.
16.Machinery Loans
17. Working Capital Loans
18.Agriculture Loans
19. Purchase Order Financing
20. International Loans
Virtually Any Type Of Business Loans.