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Conventional Financial Institutions: This really is the cheapest method to get commercial loans for your business. This money normally has a 1%-2% origination fee with rates as low as 5% annually. These lenders are your banks and credit unions. Even though you'll be able to acquire the top rates and terms through the financial institution, it may be very difficult to qualify. The loan application procedure with these lenders is cumbersome but worth it in the event you qualify.

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Government Guarantees: SBA with the USDA B&I guarantees are widely-used to shore up collateral, start up and other challenges of loan requests. These guarantees are tools a lender will use to help get your loan approved. The SBA with the USDA will partner with a lender to fund your commercial loan finance, but they will not fund it without a lender. For this reason you must get a lender interested previous to the SBA or either the USDA guarantee programs will apply to commercial lending programs.

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Accounts Receivable Financing (A/R financing): This is also referred to as factoring. This really is the more expensive strategy to get financing. A/R financing is for companies who want to speed up cash flow. Usually the borrowing company sells their A/R to the lender at some depreciated rate (75-95% of the value). A fee is charged up front for the volume of cash advanced and interest is earned as well. These loans are typically extended for a 30-90 day window. The fundamental underwriting metric lenders review may be the borrowers clients or receivables.

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Contract Financing: These loan providers are similar to the A/R lenders but will advance on contracts from 12-24 months.

Insurance Companies: Insurance companies have set aside cash to invest in commercial loans. They can be more aggressive in giving your business better interest rates and terms than other lenders. These lenders offer non-recourse loans to investor real estate requests. Even though these lenders offer much better terms they may cost more to acquire. You may also be required to put earnest money down, at times 2% of the loan amount prior to closing. Although this cash is refunded at closing, you will should be prepared to live without it for the few weeks during the application process.

Typically it may be tough when trying to determine how you can calculate savings interest rates. Interest rates are the fees paid on a bar of asset. Savings interest rate is the money earned by funds deposited into a savings account.

Hard Money Lenders: These lenders are not for everyone. Hard money lenders will do deals that have much more risk than standard requests. These lenders generally charge 5-6% origination fees and have interest rates that range from 10% annually to 3% per month (36% annually). If your projection is profitable enough and you are running out of lending sources, a hard cash loan could do the trick.

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