Products
Revenue-Based Funding
Business Line of Credit
Asset-Based Lending
These clients pledge fixed assets such as inventory, machinery and real estate in addition to receivables in return for access to capital.
Asset based programs often act as revolving credit facilities and are offered up to $5,000,000.
Term Loan
Most often, they’re used to finance inventory purchases, capital improvements, new construction and acquisition of large equipment and machinery. They can also be used to consolidate existing short debt to ease constraints on cash flow.
For many businesses, rates can start at 5.49% on loan amounts ranging from $25,000 to $500,000 with a fixed monthly payment over a 1 to 5 year period.
Receivables Factoring
Receivables factoring is a good way for companies to receive money without assuming any debt. The funds are unrestricted, providing a company more flexibility than with a traditional bank loan.
The way it works is you are paid for invoices for service and products that have already been completed and delivered. BrookeVale Funding advances money to the business as a form of a loan that uses a security interest in the company’s accounts receivables as collateral. Loan amounts are determined as a percentage of the invoices full amount. The advance rate is usually 80% to 95% of the total face value of the invoices.
Factoring in Five Simple Steps
- You perform a service for your customer.
- You send your invoice to BVF for factoring.
- You receive a cash advance on your invoice from the BVF Group.
- The BVF Group collects full payment from your customer.
- The BVF Group pays you the rest of your invoice amount, minus a fee.
Advantages of Factoring?
There are several reasons why factoring is a valuable financial tool for many businesses. The key benefit is that factoring provides a quick boost to your cash flow. The BVF Group can provide cash on your accounts receivable within 24 hours. This can solve short-‐term cash flow issues and help fuel the growth of your business. The BVF Group handles your customer collections, and may also evaluate your customers’ credit and payment histories. Benefits include:
- Factoring can be customized and managed so that it provides necessary capital when your company needs it.
- The financing does not show up on your balance sheet as debt.
- Factoring is based on the quality of your customers’ credit, not your own credit or business history.
- Factoring provides a line of credit based on sales, not your company’s net worth.
- Unlike a conventional loan, factoring has no limit to the amount of financing.
- Factoring aligns well with start-‐up businesses that need immediate cash flow.
SBA Bridge Loans
SBA Bridge Loans are a smart solution for helping you obtain an SBA Loan for your business. Our SBA Bridge Loan Program assists in resolving obstacles that come up during the SBA approval process. Many times once the bank has approved the loan request, and obtained an SBA guarantee,
Advantages of Our SBA Bridge Loan
- Financing is calculated from gross sales and business cash flow.
- Fixed automated repayment allows for simple repayment and cash flow management.
- Not collateralized against fixed assets.
- Allow you to maximize available capital while protecting your margins and cash flow.
Businesses Seek SBA Bridge Loans for a Variety of Reasons
- Pay off tax liens or other SBA loan obstacles.
- Replenish cash reserves depleted by costs associated with the SBA process.
- Manage day-‐to-‐day business expenses during the SBA process.
Working Capital Advance
A Working Capital Loan Is Money Borrowed to Pay for Day-To-Day Operations of Your Business. Working Capital Loans Fund A Business’s Short-Term Business Needs and Expenses Rather Than Longer-Term Investments or Assets. As Mentioned, A Working Capital Loan Is A Type of Small Business Loan That Can Help When Your Company Finds Itself in A Tight Financial Spot for Whatever Reason. This Form of Business Funding Isn’t Used for Long-Term Investments but Rather Is Reserved for Short-Term Financial Goals.
Business Term Loan
A business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate—this type of traditional financing is what most people think of when it comes to small business loans.
The “term” in “term loan” comes from its set repayment term length, which can range from a few months to several years depending on the type of loan. Therefore, although term loans can vary in length, the phrase “business term loan” is most often used to refer to loans with terms of one to five years.
Merchant Cash Advance
A merchant cash advance (MCA) is a type of business financing in which a company advances you a lump sum that you repay via a percentage of your daily credit card and debit card sales, plus a fee. Technically, a merchant cash advance is not considered a business loan; it’s actually you selling your future debit and credit card transactions at a discount.
Commercial Real Estate
Any real estate that is used in a trade or business. For example shopping centers, office buildings, amusement parks, etc. Multifamily real estate (i.e. apartment properties) is sometimes considered commercial because it is held for investment. Learn what sets us apart in commercial real estate.
Equipment Financing
Equipment financing is a business loan that provides capital for purchasing new or used equipment, such as vehicles, machinery or technology. Equipment loans may fund up to 100% of the value of the equipment you want to purchase. These loans are repaid over time with interest.