Business Loans
Search the funding criteria of our sources for business loans. You will find sources for equipment leasing and commercial real estate financing, hard money as well as accounts receivable factoring for the construction industry. Just take a minute to tell us about your funding needs. You can go through the process right from the comfort of you office. We instantly match you with available business loans. It's easy, it's free, and there is no obligation to apply. If you are seriously seeking money, you’ve located a very useful source to assist with your financial goals. At Carpenter & Associates, Inc., we know just how frustrating it is to borrow in today’s economic environment. Fortunately, in the past year alone, we’ve helped our clients receive Millions in Unsecured as well as secured Loan approvals to satisfy their needs in growing their business.
By using our service, you benefit from our extensive knowledge of today's most liberal and aggressive lending sources. One of our specialty product is hard money loans/lending getting cash equity out of your commercial real estate that can be used for any purpose. Your approval is simply based upon the current loan to value of your real estate asset.
We welcome the opportunity to show you how effective we are at helping our clients obtain the money they need to succeed. Our friendly, courteous staff is available for a free Consultation. All you need to do is just give us a call at 480-634-7486 or you can go to contact us, send us a short note along with your telephone number and a good time to reach you and one of our staff will get right back in touch with you. Let's get started working together today. if you would like you can go to loan profile print out the loan profile form and we will be off to the races. Always think of Carpenter & Associates, Inc. the next time you think of business loans.
Financing 101
Before you start seeking financing for your next business loan, ask yourself a few questions:
- Do I need more money or can I manage existing cash flow more effectively?
- How do I define my need? Do I need money to expand or am I reaching for a cushion against risk?
- How urgent is my need? We can obtain the best terms when we anticipate our needs rather than looking for money under pressure. I know you've heard the comment "that is only a stop-gap".
- How great are my risks? Every businesses carries a risk there are no exceptions, and the degree of risk will affect cost and availability of financing.
- At what point of development is my business? As I'm sure you are aware needs are most critical during transitional stages.
- Ask yourself, what will the money be used for? Any lender will require that capital be requested for very specific needs.
- What is the state of my industry? Stable, depressed, growth conditions require different approaches to money needs and sources. Businesses that prosper while others are in decline will often receive better funding terms.
- Is my business seasonal or cyclical? Seasonal needs for financing as a rule are short term. Loans advanced for cyclical industries such as construction are designed to support a business through depressed periods.
- Do I have a strong management team? Management is the most important element assessed by money sources.
- Perhaps most importantly, how does my need for financing mesh with my business plan? If you don't have a business plan or an executive summary, make writing one your first priority. All capital sources will want to see an executive summary.
Once you have answered these questions and you feel comfortable with your answers you are ready to give us a call 480-219-3712, or you can fill out our business loan information form and one of our professional representatives will call you within 2 hours after receiving your request for additional information during normal business hours.
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