Pacific Financial Group is committed to helping small business owners and offers many loan options to choose from. Whether you are a business owner seeking to purchase a commercial building for your company or need a business line of credit in order to meet you short term or long term business objectives, we are here to assist you every step of the way.
Business Line of Credit
- Approval in under 24 hours
- Once approved, draw down anytime for same day cash in your bank account
- Terms of 6 to 12 months
- Fully amortizing, interest payment decreases with every payment
- Line amounts of $5,000 to $250,000
- May draw up to max credit any time
- No upfront fees or early termination fees
- Min FICO is 600+
- Min time in business is 6 months / Min revenue is $100,000/yr
Invoice Factoring
- Loans from $20,000 to $5,000,000
- Business Segment – B2B or B2G
- Min revenue is $500,000/yr
- A/R Schedule is 15 to 90 days
- Min FICO is 530
- Min time in business is 3 months
- Nationwide, all 50 states
Click here to submit your loan request & obtain a link to apply online or contact us at (415) 390-6750 to speak with one of our advisors.
SBA 504 Loan Program
- As little as 10% down
- Competitive fixed and variable rate financing
- Up to 25 years fully amortizing (bank loan)
- Acquisition of owner-occupied commercial real estate (business must occupy at least 51% of the facility for acquisition and 60% for construction)
- Equipment acquisition
- Loans up to $14,000,000
- Typical loan structure – 50% Bank, 40% SBA/CDC, 10% borrower’s equity
- Real estate must be held as investment of occupied by owner’s business
SBA 7(a) Guaranteed Loan Program
- Benefits – longer amortization, lower equity investment, competitive interest rates
- Use proceeds for working capital, inventory, business acquisitions, equipment, real estate
- Competitive variable rate financing
- Loan amounts from $25,000 to $5,000,000
- Loan terms from 7 to 25 years
Click here to obtain a loan quote or contact us at (415) 390-6750 to discuss obtaining a SBA loan.
Subprime Small Business Administration (SBA) Loan
- Nationwide lending
- For business owners seeking working capital or funds to purchase real estate, equipment or a business or refinance debt or consolidate merchant cash advances
- Same day pre-approval
- Streamlined loan process for the non-confirming business owner
- No collateral requirement for loans $500,000 or less
- No upfront fees or application fee
- Loans from $30,000 to $20,000,000
- Rates from 6.25% to 8.25%
- 10 to 25 year amortizations
- No prepayment penalty options
- Min 550 credit score
- Min 1 year in business
Click here to obtain a loan quote or contact us at (415) 390-6750 to discuss your subprime SBA loan scenario.
Stated Income Commercial Real Estate
- No tax returns required
- Real estate must be held as investment of occupied by owner’s business
- Purchase, refinance and cash-out refinance is available
- Property types considered: 1-4 residential, 5+ unit multifamily, mixed use, office, retail, warehouse, industrial, mobile home parks, self-storage, auto, daycare, restaurants, night clubs and bars
- Loans from $250K to $5 million
- 30 year amortizations
- 3, 5, 7 and 10 year fixed rate loan programs
- Rates start in the 6’s
- 600 credit minimum
- Max 80% LTV
- Close in less than 4 weeks
- No balloon payments
Click here to obtain a loan quote or contact us at (415) 390-6750 to discuss your stated income commercial real estate loan scenario