Business Financing
At TheBroker.Finance, I help business owners find financing for equipment, working capital, commercial real estate, and other business needs.
I have worked in finance for more than 25 years, and one thing I have learned is that no two financing situations are exactly the same.
Some businesses have strong credit but very little time in business.
Others have been operating for years and have strong revenue, but the owner’s personal credit is less than perfect.
Some businesses need equipment. Others need cash. Some are trying to refinance or consolidate existing obligations. Others are trying to purchase commercial property or finance a larger business opportunity.
That is why I do not believe in trying to force every borrower into the same loan program.
The goal is to look at the full transaction, understand what is strong and what may be a challenge, and then find the lender whose guidelines make the most sense for that situation.
Equipment Financing
Equipment financing is one of the main areas I specialize in.
I work with a large network of lenders that finance many different types of new and used equipment.
That can include:
- Excavators
- Bulldozers
- Skid steers
- Backhoes
- Tow trucks
- Semi trucks
- Dump trucks
- Box trucks
- Cargo vans
- Trailers
- Restaurant equipment
- Medical equipment
- Manufacturing equipment
- Construction equipment
- And much more
Depending on the lender and the transaction, financing may be available for established businesses, startups, used equipment, private-party purchases, and borrowers with challenged credit.
One of the biggest advantages of working with multiple lenders is that they do not all look at a deal the same way.
One lender may focus heavily on personal credit.
Another may care more about monthly revenue.
Another may require a larger down payment.
Another may be more comfortable with the type of equipment being purchased.
The same transaction can look completely different depending on which lender is reviewing it.
[Learn More About Equipment Financing]
Bad Credit Equipment Financing
A low credit score does not always mean the deal is dead.
Credit is important, but it is only one part of the transaction.
Some lenders may also look closely at:
- Monthly business revenue
- Time in business
- Down payment
- Equipment value
- Type of equipment
- Purchase price
- Business cash flow
- Bank balances
- Additional collateral
- Overall strength of the transaction
I work with programs that may consider credit scores in the 500s and, depending on the rest of the file, sometimes even lower.
For example, a borrower with weaker credit but strong monthly revenue may still have options.
Another borrower may qualify by putting more money down.
In some cases, additional collateral may help strengthen the deal.
There are also programs where the lender may care more about the business than the owner’s personal credit.
That does not mean every borrower will qualify.
It means the whole deal needs to be looked at before deciding whether financing is realistic.
Learn More About Bad Credit Equipment Financing. Call or text Shawn at (714) 271-8524 or email Info@TheBroker.Finance to discuss your options.
Working Capital
Sometimes a business does not need equipment. It simply needs cash.
Working capital can be used for many different reasons, including:
- Payroll
- Inventory
- Marketing
- Expansion
- Repairs
- Seasonal expenses
- New contracts
- Business opportunities
- Unexpected expenses
Depending on the business, financing options may include working capital loans, revenue-based financing, business lines of credit, and other types of business funding.
Qualification can depend on several factors, including:
- Credit
- Time in business
- Monthly revenue
- Bank deposits
- Existing debt
- Cash flow
- Overall strength of the business
Some programs are more credit-driven.
Others may focus more on revenue and bank activity.
The right program depends on what the business needs and what the file looks like.
Explore Working Capital Options; Call or text Shawn at (714) 271-8524 or email Info@TheBroker.Finance to chat about any available options.
Merchant Cash Advance Consolidation
Merchant cash advances can be useful in certain situations, but having multiple advances at the same time can put a lot of pressure on a business.
If you are making several daily or weekly payments, a large portion of your revenue may be going toward existing advances before you have a chance to use that money for normal business expenses.
In some situations, there may be options to consolidate or restructure multiple merchant cash advances.
These programs are not right for every business.
Qualification may depend on:
- Monthly revenue
- Number of existing advances
- Current balances
- Payment history
- Bank activity
- Business cash flow
- Overall financial condition
The goal is to determine whether there is a realistic way to reduce the pressure of multiple payments and improve the business’s cash flow.
Sometimes that means consolidating several positions.
Sometimes it means restructuring existing debt.
Sometimes the numbers simply do not work.
The important thing is to look at the full picture before adding another obligation.
Learn More About MCA Consolidation
Commercial Loans
I also help with a variety of commercial financing transactions.
Depending on the situation, financing may be available for:
- Commercial real estate purchases
- Refinances
- Investment properties
- Owner-occupied properties
- Business acquisitions
- Bridge financing
- Commercial projects
- Other business-purpose transactions
Commercial financing can vary significantly from one lender to another.
Some lenders are very conservative.
Others specialize in certain property types, loan sizes, industries, or borrower profiles.
The right program may depend on:
- Property type
- Loan amount
- Loan-to-value
- Debt service coverage
- Credit
- Experience
- Business income
- Purpose of the loan
- Overall strength of the transaction
This is another area where working with multiple lenders can make a big difference.
[Learn More About Commercial Loans]
USDA Business & Industry Loans
USDA Business & Industry loans may be an option for certain eligible businesses located in qualifying rural areas.
These programs can sometimes be used for larger business transactions, including:
- Business acquisitions
- Commercial real estate
- Equipment
- Business expansion
- Refinancing
- Other eligible business purposes
USDA financing is not for every borrower or every location.
There are specific eligibility requirements, and the transaction usually requires more documentation and underwriting than a typical small business loan.
For the right project, however, it can be a strong financing option.
[Learn More About USDA Business & Industry Loans] Call or text Shawn at (714) 271-8524 or email Info@TheBroker.Finance to discuss your options.
Private & Hard Money Loans
There are times when a traditional bank loan simply does not fit.
Maybe the transaction needs to close quickly.
Maybe the borrower has credit issues.
Maybe the property or project does not meet conventional guidelines.
Maybe the deal is based more on collateral than income.
In those situations, private or hard money financing may be worth looking at.
These loans are typically more expensive than conventional financing, but they can sometimes provide flexibility that a traditional bank will not.
They are often used as short-term financing or as a bridge until the borrower can qualify for more conventional financing.
The important thing is to understand the cost, the exit strategy, and whether the loan makes sense for the overall transaction.
[Learn More About Private & Hard Money Loans] Call or text Shawn at (714) 271-8524 or email Info@TheBroker.Finance to discuss your options.
Why Work With a Broker?
When you go directly to one bank or one lender, you are limited to that lender’s guidelines.
If they say no, that is usually the end of the conversation.
Working with a broker is different.
I work with multiple lending sources, and those lenders do not all look at deals the same way.
One lender may decline a transaction because of credit.
Another may approve the same transaction because the business has strong revenue.
One lender may not like the equipment.
Another may finance that type of equipment every day.
One lender may require a large down payment.
Another may have a program that allows less money down.
The goal is not to submit your application everywhere and hope someone says yes.
The goal is to understand the transaction first and then determine which lenders are the best fit.
That can save time, reduce unnecessary credit pulls, and improve the chances of putting the deal in front of the right financing source.
Difficult Deals Are Often About Structure
Many business financing transactions are not simply approved or declined based on one number.
A business owner may have:
- Low personal credit
- A prior bankruptcy
- A repossession
- Limited time in business
- Strong revenue but weak credit
- A private-party equipment purchase
- Older equipment
- Multiple merchant cash advances
- A need for a larger down payment program
- Additional collateral that can strengthen the deal
These details matter.
Sometimes the issue is not whether the borrower can get financing.
It is how the transaction needs to be structured.
That may mean using a different lender.
It may mean a larger down payment.
It may mean waiting until the business has more time in operation.
It may mean using additional collateral.
Not every transaction can be financed, but many deals that look difficult at first may have options once the full file is reviewed.
How the Process Works
1. Tell Me What You Are Trying to Do
Let me know what you are trying to finance, how much you need, and a little about your business.
2. We Review the Transaction
We look at the main factors that may affect approval, including credit, revenue, time in business, collateral, equipment, and existing obligations.
3. We Look for the Right Program
The goal is to find the lender whose guidelines fit the transaction instead of trying to force the transaction into the wrong program.
4. You Decide Whether the Financing Makes Sense
If there is an option available, I will explain it so you can decide whether it makes sense for your business.
Not Sure Which Business Financing Program You Need?
You do not need to know the exact type of loan before contacting me.
Just tell me what you are trying to accomplish.
If you need equipment, working capital, commercial financing, debt consolidation, or another type of business financing, I can look at the situation and help determine which options may be worth exploring.
The first step is simply understanding the deal.
Contact Shawn today to discuss your business financing options.
Contact Shawn. Call or text at (714) 271-8524 or email Info@TheBroker.Finance to discuss your options.
All financing is subject to lender approval, underwriting requirements, documentation, program availability, and other lender-specific conditions.