FACT: Banks decline nearly 80% of Small Business Loan Applications
What your Business does after being turned down is CRUCIAL
Business Capital Consultants (BCCUSA) advises you to know before you borrow
Transparency... Results... Support...
Just because your bank said no doesn’t mean all banks will.
Banks, Peer to Peer Lenders, Community Development Funds, and Private Lenders all have different programs and risk tolerances. At BCCUSA it’s our business to understand the available products/programs/tolerances in the Commercial & Industrial Credit Marketplace. We match our clients to the best possible solution (lowest cost of capital) based on their specific Financial circumstances, explaining why. After clients receive the Capital we arrange, we continue to work with them- so they can achieve their immediate and long-term goals.
$100 MILLION +
Funded Through Us
SBA Lending/Loans (As a Preferred Lender Provider (PLP) Partner, we facilitate expedited approval time-frames)
7A (and Form 1919) for Growth and Working Capital, MCA Consolidation, Commercial Real Estate, Franchise and Business Acquisition to $5M, $5.5M for Manufacturing.
Fixed Monthly payments, 2 to 10-year amortizations, rates from 6.25%.
Lines of Credit
Secured & Unsecured rates from Prime + 2%.
Asset Based Lending
Leverage Balance Sheet line items (CRE, AR, PO's, Inventory, M&E) to fuel growth when traditional lending facilities may not be possible.
Working Capital Solutions
Immediate Capital infusions addressing growth surges and short-term operational needs.
Short-term debt restructuring (MCA Consolidation)
Earnings, Credit, and/or Asset Based solutions to reduce Monthly Debt payments.
Our Lenders offer unique and specific capital needs for the Healthcare, Construction, Logistics, Hospitality, & Technology Industries
Whether clients need immediate Capital, are bidding on a large contract, or plan to expand down the road, our staff at BCCUSA works side by side with ownership, and often CPA’s, to clarify financial data ascertaining Debt Service Coverage Ratios for respective lenders- determining the monthly payment the client can afford. Once that is established, we will fine tune the use of funds, and prepare them for the questions/next steps the bank will ask to speed up the process.
After the client has received Capital we continue to assist with budgeting and forecasting cash needs based on seasonality and/or prior trends. Clients rest assured knowing they have a resource moving forward to help their businesses move forward.