Small Business Funding
Learn about our business funding platform & let CapitalWORKS Funding discover a new pathway to build or expand your company.
Solely built by our Senior Underwriters, Financial Advisors & Compliance Directors, together work in conjunction to consult businesses, both large and small. This unique process enables our team to determine the most practical solutions for you.
Revenue-based financing allows businesses to receive capital in exchange for a percentage of their future revenue. This option can be beneficial for businesses that have difficulty obtaining traditional loans.
Our quick and easy application process takes only a few minutes to complete, and you could receive an approval decision just as fast.
Call us and see what CapitalWORKS Funding can do!
CAPITAL that WORKS for you...
Creative Real Estate Financing
With over 35-years experience, CapitalWORKS Funding specializes and provides a broad range of debt finance products to our clients. We recognize the challenges in today's marketplace and the value of committed professionals who understand the unique needs of each client.
As a result, we are able to provide our clients with a broad array of creative financing solutions, including bridge/interim, mezzanine, preferred equity, debt, structured, and construction loans, as well as a diverse offering of permanent financial products.
We are uniquely qualified in commercial and residential real estate finance, offering our clients highly responsive service and competitive sources of capital, thereby removing the uncertainty from the financing process. Customized financing plans are created that enable transactions to close quickly and efficiently, secured by the full range of property types, including residential, multi-family, office, retail, industrial, hotel, condo, & land development.
Bridge/Hard Money Loans
A hard money loan is a short-term loan that often requires the borrower to use an asset, like a home, as collateral to secure the loan.
Hard money loans are also referred to as bridge loans and can be used to help finance one house while preparing to sell another. This type of loan generally have higher interest rates than conventional or bank loans and are written for shorter periods of time. Typical hard-money or bridge loan terms are 12 to18 months.
Using hard money loans allows a real estate investor to maximize leverage when purchasing a property and close within a short period of time. Hard money lenders, unlike traditional lenders, provide fast and flexible financing terms/options to make real estate investments more accessible.
Let us be the alternative to tradition loans.
Equipment Financing
A equipment loan is financing you take out to buy a specific piece of business equipment and in this case, equipment can be pretty broad. Companies take out equipment loans to finance the purchase of: computers, office furniture, vehicles for commercial use, machinery, ocmmercial kitchen equipment, HVAC units, phone systems, printers and copiers, medical equipment, Industrial equipment, etc.
In other words, if your company needs to make a big purchase of a tangible asset, an equipment loan can help you break it into manageable payments that over time.
Equipment financing works by using the equipment you’re buying to secure the loan. The equipment becomes collateral, meaning the lender can seize the asset if you fail to repay what you borrow. You may also have to provide a personal guarantee, which requires you to be personally responsible for the loan if your business can’t pay the loan back. This puts your personal assets at risk.
Equipment financing usually comes with a fixed interest rate and a requirement that you make periodic payments to repay the loan. Usually, the loan term falls somewhere between three to 10 years.
Many equipment loan options require a down payment, anywhere from 10 percent to 20 percent, depending on the lender. The more money you can offer as a down payment, the more favorable the interest rates tend to be.
Accounts Receivable Financing
Accounts receivable financing, also known as invoice financing or invoice discounting, allows businesses to borrow capital against the value of their accounts receivable — in other words, their unpaid invoices.
A lender advances a portion of the business's outstanding invoices, in the form of a small- business loan or line of credit, and the invoices serve as collateral on the financing.
With AR financing, a lender advances you a percentage of the value of your receivables, potentially as much as 90%. When a customer pays their invoice, you receive the remaining percentage, minus the lender’s fees.
AR financing fees are typically charged as a flat percentage of the invoice value, and generally range from 1% to 5%. The amount you pay in fees is based on how long it takes your customer to pay their invoice.
Unlock The Value of Your Art Collection
We work with our clients to craft loans that fit their unique circumstances and address their liquidity needs. Rather than selling individual pieces of art or collections, our clients leverage the equity within artworks by taking out a loan against them. Clients retain ownership of their artwork, and gain the opportunity to convert up to 50% of the work’s fair market value into a loan that can then be used for a variety of purposes.
