Small Business Loans
One of the most effective ways for you to get your hands on cash is thru the equity that you hold in your business assets. Small Business Loans for those serious about financing their business. 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 funding programs. 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 financing 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.
If you are ready just go to small business loans and start your paperwork. Money is available for any asset you may own. The assets typically are commercial real estate or other tangible items such as equipment that you own and may also include intangible assets, as long as there is an identifiable market in which to liquidate the asset. We have many different lenders - each specializing in different programs suited for their area of expertise including securities, commercial real estate equity loan, accounts receivables, loan mortgage finance and many others.
For more information about our small business loans, our small business loans for bad credit, or our small business start-up loans contact or call us at 480-219-3712. Working with Carpenter & Associates is a convenient and very effective way to get the cash you need while using your commercial real estate equity now. In fact you can apply right now from the comfort of your office. All you need to do to start the paperwork is click here for our loan profile form.
Conventional Financing
(Real Estate & Equipment - $300K - $5M)
- Up to 100% project financing for professional practice
- 90% project financing for existing business buying real estate
- Special Purpose Refinance & Cash out up to 70% LTV
- General Purpose Refinance & Cash out up to 90% LTV
- Owner-occupancy as low as 25%
- Up to 30 year Amortization
- 2nd Lien - Piggy Back - 7(a) Loan Can Be Used For Higher LTV's
SBA 7(a) Loan Program
(Real Estate, Equipment, Working Capital & Expansion - $200K to $1.3M)
- Up to 90% project Financing Available
- Only 10% injection for real estate purchase & expansion
- Fully amortized loans; no call dates
- Purchase, Construction or renovation of commercial real estate owner-users
- Purchase of equipment, inventory
- Working capital
- Business acquisitions up to 90% project financing + working capital
- Up to 200% LTV on real estate collateral
- Refinancing of existing business debt
SBA 504 Loan Program
(Real Estate & Equipment-New Construction, Real Estate Acquisition - $300K to $5M)
- Up to 90% project financing for existing business
- 85% project financing for Hotel/Motel & Gas Station Acquisition
- Fully amortized loans; no call dates
- Financing for franchises i.e. Hotels and Restaurants
- Owner user occupying 51% o of existing building or 67% of New Construction
General Purpose Properties
(Office. Retail, Warehouse, Light Industrial)
Special Purpose Properties
(Hotel/Motel, Gas Stations, Restaurant, Manufacturing)
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