Fetch Here San Diego Unified School District - FCMAT San Diego, CA 92103-2682 Dear Superintendent Grier: Human Resources and the Business Department.
The 504 loan is fully amortized for 25 years and no additional collateral is required. Ultimately, business owners can pay for their facility over a long term with predictable monthly payments. Why Business Owners Choose Property Ownership Purchasing real estate for your business is an economically smart decision, especially in San Diego where property values continue to increase. The 504 program provides affordable financing that allows small business owners to invest in their facilities and reap the following benefits: Stability and peace of mind. Business owners can operate knowing that they will never get priced out of their building. Purchasing real estate protects business owners against rent increases or displacement that may result from rising San Diego property values. Gain Equity. Equity that comes from buying real estate can be monetized to fund further expansion of a business or can be used towards a retirement strategy. Small business owners are primarily concerned with growing their business and tend to put most of their earnings back into the business, rather than pay themselves a big salary or save for their own future.
At AdvancePoint Capital, we offer alternative lending options for companies like yours. Get your quote today with our simple form. Merchant Cash Advance For businesses that receive a good portion of their revenue from credit card and debit card sales, a merchant cash advance can help. You have the opportunity to repay your advance with future sales by leveraging your monthly cash flow. A merchant cash advance is a flexible option for many businesses. • Poor credit considered • Processed in as little as 24 hours • Flexible repayment options Equipment Financing For businesses in San Diego that utilize expensive machinery, equipment financing gives you the option to use future purchases as collateral for quick cash flow. Businesses in healthcare, restaurants, or manufacturing can all benefit from this financing option. • All credit types considered • Processed in as little as 2 days • 1-5 year repayment SBA Loans SBA (Small Business Administration), provides programs, guidelines, and loan guarantees to lenders for businesses in San Diego, and throughout the nation.
In addition, the interest rate is below-market and FIXED for 25 years – and the best part is MOST small businesses are eligible. SBA 504 Real Estate Financing vs. Conventional Financing Options As a San Diego business owner, it is important to understand the differences between the various financing options available. Factors that one should consider include the following: The size of the down payment The term of the loan and its amortization The presence or absence of balloon payments Whether the interest rate is fixed or variable The terms of a conventional loan can vary depending on the lender, but the down payment can be anywhere from 25-40 percent. Another challenging element of a conventional loan are balloon payments. A balloon payment occurs when the amortization exceeds the term of the loan. In other words, borrowers must pay a large sum of money at the end of the loan's term OR refinance the loan. Conversely, the SBA 504 loan program allows small-business owners to finance commercial real estate and other fixed assets with long-term, below-market, fixed interest rates, with NO balloon payments.
Partners we can share referrals with We provide non-conforming lending options to small businesses. We can work with most industry types in the US. Decisions are usually made within 24-48 hours and require minimal documentation. We can provide funding options up to $2, 000, 000. Working Capital Merchant Cash Advances Equipment Loans Invoice/Receivable Advances Franchise Loans Apply today at The products and services we offer Recommendations Received ( 2) Are you sure you want to delete this recommendation? Recommendations Given ( 8) Our Team
It's a fantastic option that grants you a fixed amount of upfront capital at a fixed cost. This loan comes at a fixed term with fixed payment as well. • $10, 000 to $1, 000, 000 • All credit types are considered • Fast processing time • 1-5 year repayment plan Learn More Business Line of Credit A business line of credit operates similar to a business credit card, in which it allows business owners to draw money from their line when they need it. Draw up to your business line of credit limit and pay interest on your outstanding balance. • Credit scores above 500 • Speedy processing time • Revolving repayment Short Term Business Loan For San Diego businesses with financial hurdles such as short time in business or poor credit — a short term business loan is an ideal solution. • Substandard, Mid-Prime, to Subprime credit scores, are considered • Processing Time: as little as 1 day • Length of time of Repayment: 6 to 18 months Are you a San Diego business owner who is having trouble finding ideal funding solutions through traditional loan options?
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