Industries Served
Our Approach
Business financing can be challenging when you don’t know your options. We start by understanding your needs and partner with you to find the type of loan that will best accomplish your goals. We use personal relationships with over 50 local and nation-wide lenders to secure interest in funding your loan. Once we have several interested lenders we present you with terms and rates to determine the best option. We then package your loan and navigate the lender’s approval process to ensure a quick approval.
Franchise Financing
Franchising allows new owners to own a business without having all of the initial startup and marketing costs. However, when purchasing a franchise funding will be needed to prepare for opening day. Supplies, training, advertising, and equipment are essential to the success of your business. Our expansive loan options are perfect for aspiring franchise owners.
Health Care & Medical Financing
Financing for the medical field can often exist in a grey area of the funding industry, making it difficult to obtain financing. Our funding can be used for purchasing new equipment, upgrading a waiting room or employee wages and benefits.
Restaurant Financing
Restaurants are faced with financial challenges daily. Meeting sales goals, paying for truckloads of ingredients and supplies, and meeting employee wage requirements are among the top challenges in the restaurant industry. We offer financing options for restaurants of every size, with owners facing few restrictions.
Church Financing
Churches and religious organizations often require funding for remodeling, updating, and fundraising efforts. Although funds can be generated by congregational donations and tax relief programs, these funds are often restricted in their uses. We offer financing for churches with very few restrictions, allowing religious organizations to spend funding where it is needed most. Most of these loan programs require little or no collateral and offer easy repayment options.
Real Estate Investment Financing
Real estate investment can be a lucrative business and, when financed from the start, will continue to be successful for the life of the organization. We offer loans providing the financing and flexibility required for acquisition, construction, and development, including permanent mortgages and lines of credit. Most of these options offer flexible repayment options and require little to no outside collateral, making them highly obtainable.
Manufacturing
Manufacturers face different challenges than a typical business that requires alternative funding options. Huge client orders that require large amounts of materials and time to complete can often cause financial trouble, putting future orders and stock at risk. We offer funding that can be used to pay purchase orders, employee wages and fund operations while you are waiting for clients to remit payment. With little to no collateral, manufacturing businesses use funds to stay afloat even when finances are tied up in purchase orders.
Commercial lending can be complex.
Our job is to make it simple.
We analyze your needs. We determine the right type of financing. We pitch multiple funders. We negotiate for the the lowest rates. Meanwhile, you stay focused on running your business.
Hotel & Hospitality Loans
Hotel owners are aware of the importance of constant updating and upgrading of facilities, implementing new programs for customer satisfaction, employee training, and effective advertising. The funding needed for these essentials is often not readily available for hotel owners without a loan. We offer loan options that provide funding for daily operations, facility improvements, advertising and construction projects, without the restrictions of traditional loans.
Charter Schools Loans
Charter schools are largely privately funded and often do not receive the total amount of funds that they require to purchase teaching and learning essentials. We offer financing options for charter schools that can be used for the purchase of paintbrushes and pencils to new multi-line telephone systems and parking lot expansions.
Contractor Financing
Contractors require funding to purchase new or upgraded tools, required materials, and equipment on a regular basis. Our Contractor loan options provide financing to business owners with valid references and a track record of good business practices. Business owners can use funds to purchase new or upgraded equipment and to start large jobs before financing has come in.
Commercial and Industrial Financing
Large commercial and industrial companies often require funds for purchasing equipment, inventory, and advertising. Our commercial and industrial loans provide funding for these endeavors, or to pay employee wages, benefits, and insurance. Maintaining safe working conditions is a top priority for large commercial and industrial firms and alternative funding options allow businesses to spend funds where they are needed most.
Nonprofit Financing
Obtaining financing for nonprofits allows for an investment of funds in advertising and fundraising than donors can provide. Often times nonprofits will solicit donations for their cause, but fail to raise the money needed to perform daily operations. Because of strict reporting guidelines and fund use, restrictions donated funds are off limits for daily financial expenditures. We offer a variety of loans and financing options for nonprofit organizations. Funds can be used to pay employees, finance construction projects and upgrades, or to update programs and systems.
Construction Loans
For construction companies financing can be a difficult issue. Equipment rentals, building materials, insurance, and employee wages can become overwhelming when monies are tied up in invoices and purchase orders. We offer funding options to help construction projects stay on track while covering bill payment and employee wages. Funds can be used to purchase equipment, tools, materials, wages and insurance, upgrades and advertising with very few restrictions.
SBA 8a Firms & SBA Loans
Businesses which are filed under the SBA 8a program may be eligible for specialized funding options to offset business costs. Funds can be used for the purchase of a business’ real estate, materials or inventory, employee wages, utility bills, construction projects and upgrades as well as insurances and advertising. We offer a variety of loans for businesses registered as 8a with little to no collateral requirements making them accessible to large and small 8a businesses.
ACDBE Financing & DBE Financing
Businesses registered as ACDBE and/or DBE are often denied loans from traditional banks. We offer funding options for these business owners to finance purchase orders, fund construction projects and to pay employee wages. These funds have some restrictions on usage including on paying long-term debt. ACDBE and DBE entities typically are not eligible for traditional loans, but our lending network is very comfortable financing projects, material purchase, employee wages, benefits, and insurance.
Understand your options.
The starting place is to become informed. Once you understand your options, available rates, and timelines you can make good decisions. Our St. Paul MN business loan specialists are here for you - reach out today!