Somewhere in between business start-up phase and the 5th birthday of your business, lies the growing pains of a business seeking scalability and consistent cash flow. There are programs for people with collateral, high credit scores, and 30% down, but what about everyone else who cannot qualify for A-paper loans? Companies like Monarch Finance Solutions exist because traditional banks are selective about who they lend to, creating the need for business owners to engage with business loan consultants to help them secure funding. Now with government back programs like SBA and alternative loan programs; traditional lender can now look at more than just the financial strength of the principal.
Monarch Finance Solutions can fund business loans as small as small as $5,000 to even $10MM+. We can even provide specific industry large ticket fundings such manufacturing and real estate development transactions. Regardless of the transaction size, we treat our borrowers with respect and appreciation.
Services we provide:
Analysis of the purchase price. At Monarch, we determine if the purchase price can be supported based upon the cash flow of the acquired entity.
We can also provide the equity necessary should there be a cash shortfall between the financing and the cash you are putting into the transaction.
Many times a company is approved for a loan through its bank, or financial institution, but the loan doesn't close for 4-6 months. During that time we can provide a short-term bridge loan, which will be paid back when the senior loan closes, so your short-term financial needs can be met. We can also provide other types of short-term collateralized loans and can usually close in 10 days. This product is perfect to bridge SBA deals.
Unsecured Loans and Lines of Credit:
This program is for Personal and Business financing.
Business - We help business owners who need cash but do not have the time in business and/or revenues to qualify for traditional business loan financing.
Best Uses
Personal Needs:
Debt consolidation,
Home improvement,
Raw Land, used vehicles, tiny houses, investments, etc.
Business Needs:
Startup Expenses
Payroll
Inventory
Insurance and Licensing costs.
Working Capital needs: such as advertising, buildout, equipment.
Acquisition and Rehab costs for real estate investors
We offer two different types of solutions when it comes to solutions for restructuring and/or consolidating debt. Some business owners were unable to obtain debt during hard times and resorted to unreasonable debt with high interest rates and short terms. With our programs, Monarch Finance Solutions can cut your payments in half in many cases and restructure weekly and daily loan payments into more affordable payment schedules. We also provide SBA refinance loans to eligible businesses who have enrolled in eligible debt to be refinanced under the SBA program.
Sale & Lease Back
Many companies need working capital for expansion and do not want to use their bank lines for working capital. We have a program where we can use the equity in your existing equipment to give your company the working capital it needs. We buy your equipment and lease it back to you and when all the payments are made you own the equipment again.
Startup Program
Most financial institutions will not finance companies that are just going into business. If your company has just started in business, or is in business for a short time usually less than two years, we can help you grow by financing the equipment you need to be successful.
B, C and D Credits
We have developed a "second chance" program to help these companies. We can structure your financial needs to help you rebuild your company.
If you sell your products or services to businesses that pay in 30, 60, 90 days or more, Monarch Finance Solutions has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer's credit, not yours. This is not a ”debt.” You are selling an asset. But it is more than just an asset sale; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customers' credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance.
Loans ranging from $15,000 to $250,000 with very competitive rates.
Terms up to 84 months
Credit Approval in 48 Hours from Application Submission
Funding Within 5 Days of Receipt of Signed Documents
Programs for Medical Professionals with Damaged Credit
Monarch Finance Solutions offers wholistic services that are not necessarily available in one market place for small business owners.
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I just want to say "Thank you" to Xiomara for assisting my partner and I secured an SBA loan which was very much needed to expand our business venture. She was professional, knowledgeable, and thorough throughout the process, which was smooth and speedy. We definitely intend to keep and continue the partnership with Xiomara for future business expansion...
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