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Consumer Financing
Big Ticket Sale Items? Consulting Programs? In-store/Online Products?
Allow us to assist with developing your business. Almost every business is now able to provide customer financing. No matter if your company is old or new, it doesn’t matter. Whether you have a store, office, or sell online only. You can now provide your customers with financing regardless the size of your business.
We are obsessed with your approval rates because of this. You can approve more customers for financing, close more sales, and reduce churn with our multi-lender waterfall solution. All credit scores accepted!
Real Estate Funding(Residential & Commercial)
This product is a short-term financing option meant to “bridge the gap” between buying a new property and selling an existing one. This form of funding is usually utilized by real estate professionals who need speedy admittance to funding to acquire a property and close the deal quickly with the seller.
Our fix and flip financing is explicitly intended to give funding to investors who are buying properties with the direct intent on revamping and afterward selling the acquired property for a profit as soon as possible. With this program, anyone can quickly acquire and renovate properties with these loans, while providing short-term financing with flexible terms without the drawn out approval procedures of traditional mortgages.
This form of financing is specifically designed for long-term rental properties. These loans cater
to investors who plan to retain rental properties over an extended duration. In general, longterm rental loans feature lower interest rates and more extended repayment periods when
compared to short-term loans.
These loans are designed specifically to provide investors with the capital they need to carryout their projects from start-to-finish by financing the acquisition of the land and buildout of the new investment properties. Such properties must fall in the categories of non-owner-occupied, single-family properties(up to 4 units)condos, and townhomes.
This funding is distinctively different from residential financing in which require a list of different requirements to successfully attain funding. In recognition of this potentially daunting process, at Vertico Capital, we offer commercial real estate loans that can be used to finance a variety of commercial properties, including multifamily buildings, office buildings, retail spaces, industrial properties, and more. The loan-to-value ratio, the property’s condition, and market conditions all play a role in determining commercial loan rates. Additionally these loans can consist of varying amounts, depending on the borrower’s particular requirements and the project’s scope.
Equipment Financing
Regardless of your industry, we can help you obtain the best deal on business equipment financing for virtually every type of equipment. We work with a wide range of business types, including medical, software, manufacturing, commerce, food services, automotive, and much more.
If you’re looking for equipment financing to grow your business, offer new products or services, or simply get a competitive edge, we can help! Our streamlined equipment financing process will help you secure the capital in no time! Rest assured, all of our business equipment financing options are fully customizable to fit you and your business needs.
Business Acquisition/Consulting
Our business acquisition financing and consulting service emphasizes the assessment of the earmarked business and the application of communication wielded to succeed in the acquisition’s close. This analysis and joint efforts of consultation relies on vital data such as historical cash flow examination and asset valuation. Lenders evaluate the overall performance of the business by way of certain documents such as prior year tax returns, P&L statements, etc.., to make informed decisions based on algorithms that measure reliability. After establishing the valuation and EBITDA of the business, we facilitate the financial arrangement among the Lender, Buyer, and Seller.
These initial steps, if done as soon as buy interest/engagement occurs, will dramatically assist in identifying the optimal leverage points for the acquisition and presenting the business to our lenders who specialize in the industry and possess a comprehensive understanding of assets, cash flow, sales cycles, and the growth strategies of the entity at hand.
Upon receiving capital approvals, our attention shifts to minimizing interest rates and down payment percentages on the basis of negotiations by way of leverage between the targeted businesses’ asset valuations and the seller’s engagement in lieu of closing the deal.
HAVE MORE FUNDING NEEDS?
See below for even more options!
A versatile solution for companies to leverage their assets as collateral in order to secure funding for working capital requirements.
A business term loan is a conventional financing option that provides a onetime disbursement of working capital to address various business requirements. Vertico Capital is equipped to assist with securing a business term loan to bridge cash flow shortfalls, facilitate equipment acquisitions, support expansions, and more.
A startup loan serves as a vital resource for emerging entrepreneurs aiming to establish and expand their small enterprises. These financial products supply essential funding to address initial expenditures, including inventory, equipment, and marketing, in addition to supporting ongoing operational costs. Startup business loans can significantly impact small businesses by providing various advantages, such as attractive interest rates, adaptable repayment options, and the opportunity to receive expert advice from seasoned professionals. Allow us to help you realize your vision through one of our startup financing lenders.
Revenue-based financing represents a departure from conventional loans. It serves as a financial solution that enables businesses to obtain capital swiftly and effortlessly by utilizing anticipated future sales. This form of financing can provide funding amounts reaching up to $10 million, positioning it as an excellent alternative to standard business loans. Moreover, it is significantly more accessible than various other financing options. Whether you are a startup, an emerging enterprise, or an established player in your field, revenue-based financing can be a beneficial approach to securing the necessary funds to seize opportunities and address challenges.
This financing option is particularly suitable for situations where immediate cash is required, and the complexities of applying for traditional loan products, such as SBA programs, are to be avoided. Essentially, it offers a rapid and adaptable financing solution to accelerate your growth without the burden of fixed monthly payments. Additionally, revenue-based financing is unsecured, eliminating the need for collateral to obtain approval. Moreover, this product coordinates with your repayment obligations and adjusts according to your business’s performance making it a perfect choice for quick, yet effective financing.
Funding in this form goes by many names in the finance industry such as “Invoice factoring, or Financing,” Account Receivable Financing, etc…, in which involves the acquisition of a company’s unpaid invoices, wherein the financing entity provides an advance of 75-90% of the total invoice value once the product or service has been rendered to the client. With this program, it is an effective method to enhance cash flow for your business while reducing the time spent on credit assessments and collections. Vertico Capital is capable of obtaining advancing funds up to 80-90% of the invoice’s face value, enabling your organization to meet its immediate cash requirements without enduring lengthy delays for customer payments.