business loans

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.

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.

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.

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.

A loan that is issued and supported only by the borrower's creditworthiness, rather than by some sort of collateral

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.

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.

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.

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.

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.

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.

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.

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.

Seeking the Following Property Types:
Hotels and Motels (our true niche, exterior corridor & non flagged OK)
Self-Storage Facilities
C-Store / Gas Station (no previous or current environmental issues)
Auto Aftermarket (repair, body shop, etc.)
Daycare
Funeral Homes
Assisted Living Facilities
Most Owner-User Businesses with Real Estate

Our services include:
New or used
Refinancing of existing aircrafts
Engine re-fits or replacement
Fully open leases with no pre-payment penalty
US funding for Canadian corporations
Private sales
Bank Turndowns
Turndowns by other lenders

We offer:
Medical loans to Doctors, Dentists & Veterinarians

Purchase Order Financing is a unique form of financing and source of capital which can really help borrowers that do not qualify for traditional bank working capital financing or need more financing or loans than are currently unavailable from banks or factors. Factoring does not help because the company needs cash to pay the supplier before the receivable or invoice is created for the factor to advance against. Factoring only works after the goods have been purchased, shipped into the country or trucked domestically, delivered to the end buyers and the invoice has been created. The big issue is where will the company get the cash to buy the goods.

A growing company needs funds to fund the whole flow and not only part of the cycle. Purchase Order Financing provides funding to pay for 100% of the cost of the goods and funds the transactions through the receivable period so that the Borrower does not need any other funding for presold transactions. Purchase Order Financing is actually transactional venture capital and if available is a unique source of funding for growing companies or for cash strapped companies.

The choice for the borrower is either to obtain some form of equity financing, or not to take advantage of the business opportunity. Shortage of capital is one of the main issues facing medium sized or small companies specially ones that are growing. Banks like to make loans to large companies or to companies with substantial equity relative to the funding need.

Purchase order financing provides much needed capital to Companies who have great business potential, have valid orders but not have the capital to grow the business. The Purchase Order Financing Company by financing the incremental inventory based only on Purchase Orders can provide incremental liquidity to the borrower and take them out of the liquidity bind. For these reasons, banks having borrowers who need more funding than what banks are willing to provide find the PO Finance companies as useful financing partners. Purchase Order Financing is transactional financing based on the merit of the transaction and not the balance sheet of the company. It is a form of transactional venture capital where the borrower can obtain almost unlimited funding without giving up any part of the equity.

Purchase Order Financing will finance borrowers that have little or no equity to support the amount of financing needed, poor balance sheet, no audited financials, or track record. Purchase Order Financing will pay the supplier of the goods and even provide working capital depending on the gross margin of the business.

The more capable Purchase Order Finance companies will finance both export and import. In addition the more specialized Purchase Order Finance companies will not only finance the purchase of the goods but also finance right through the receivable period and be a one stop source of funding. The less capable PO Finance companies will only finance the purchase of the goods and rely on a factor or bank to take them out.

Purchase Order Financing works very well in work-out situations, where the borrower's existing bank/s do not want to finance all the purchase of the inventory as it goes beyond the borrowing formula set by the bank. The PO Financing company by financing the incremental inventory based only on Purchase Orders can provide incremental liquidity to the borrower and take them out of the liquidity bind. For these reasons, banks having borrowers who need more funding than what banks are willing to provide find the PO Finance companies as useful financing partners.

We offer:
Bridge & Hard Money Loans

We offer:
Medical Receivables Financing

Borrowing cash typically to meet day-to-day operations or acquisitions. Reasons for needing a cash flow loan could be seasonal-demand changes, business expansion or changes in the business cycle.