BUSINESS LOANS

Every business has four major components necessary to operate. These are Human Capital; Property, Plant & Equipment; Products/Services, and last, but most vital, is Capital. It takes capital to fund the other three. Business owners often fear banks and commercial finance companies. This fear has its foundation in a lack of lender knowledge. Kaplan Financial Consulting Group knows the ways of these lenders and has the contacts to secure financing for virtually any type of business.

The deregulation of the banking industry has made new choices available that never existed before. One of these is the availability of money through non-traditional lending sources.

The types of business loans available vary according to your specific business needs. Here are just a few of the loans that can be arranged by Kaplan Financial Consulting Group.

Commercial Real Estate Loans

If you are considering a purchase or construction of commercial real estate, we can offer you up to 90% financing whether it's owner/user or strictly an investment.  We have access to some of the most aggressive programs in the industry and with loan terms up to 25 years, you'll be surprised at how easy owning commercial real estate can be.

These loans are repaid through monthly installment payments of principal and interest, either with fixed or adjustable interest rates.  Your business Balance Sheet will show the property as a Fixed Asset and the loan as Long-Term Debt (assuming it takes more than one year to repay).

Commercial Equipment Leases

A lease is a long-term rental agreement between lessee and lessor for a specific number of months, and for a specific rental payment. 

  • A Capital Lease is when the lease transfers ownership to the lessee at the end of the lease term.  This lease appears as a liability on the lessee’s Balance Sheet. 
  • An Operating Lease is when the lessee has no obligation to buy the asset at the end of the lease, so each lease payment is recorded as an expense on the lessee’s Income Statement.

Criteria for a lease include:

  • The equipment must be income producing or cost reducing in the core business
  • The lease term must not exceed the economic life of the equipment
  • The lessor holds the title to the equipment
  • The item leased must be removable and resalable in the event of default

Start-up Financing

If you are planning to start a business, your best opportunity to obtain financing may be the assistance offered by Kaplan Financial Consulting Group. Our network has provided capital for hundreds of start up businesses nationwide. .

Accounts Receivable Credit Lines

A Credit Line can be one of the most useful financial tools for a small business, often financing the day-to-day expenses of a company.  The business borrows against eligible accounts receivable while waiting for customers to pay.  The company pays interest separately from principal. 

The line must be formally renewed and the lender will conduct an annual audit to ensure that the receivables underlying the line are of sufficient value.  Most lines also require an annual “out of debt” period for a month (“resting” the line), when the loan balance must be completely repaid.  Many companies who do not have the resources to rest their line will factor their receivables for one month to obtain the momentary cash flow to pay down the line.

On the company Balance Sheet, a Credit Line shows as a Demand Note among Current Liabilities.  To qualify, a company needs good credit and a skilled, well-staffed credit/collection department.  This type of loan is a good fit for a company with many repeat customers and customers with standing orders.

Kaplan Financial Consulting Group can help you determine if this is the right transaction for your business.  Our experts will guide you through the transaction every step of the way.

Merchant Cash Advances (MCAs)

This tool is used in the retail industry to advance cash based on the projection of future credit card receipts.  The unique feature of this loan is that repayments are linked to a percentage of gross receipts, instead of a fixed amount each month.  This flexibility is very valuable to businesses with seasonal fluctuations in sales.

Acquisition Loans

If you are considering the purchase of a franchise business, Kaplan Financial Consulting Group can help.  Whether it is a restaurant, retail, manufacturing, or service related company, Kaplan Financial Consulting Group can help you achieve the dream of owning your own business.

Purchase Order Finance

This is used when a company does not have the cash to finance the costs of manufacturing for an order from a large, creditworthy customer.

Import-Export Trade Finance

This often involves certain combinations of international factoring, domestic factoring, and purchase order finance.

Kaplan Financial Consulting Group can give your business access to all of these types of financing and more.  With one phone call you can have dozens of lending sources competing for your loan. Once you have experienced the high level of customer service, competitive pricing, and wide selection of financing options, you will understand why many business owners view Kaplan Financial Consulting Group as their most important asset.