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ACCOUNTS RECEIVABLE FINANCING

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Unlock cash flow trapped in your invoices with up to $20,000,000
Invoice factoring is for manufacturers, distributors, and other types of businesses that sell goods or services to creditworthy commercial accounts on open terms. There are several forms of accounts receivable factoring, some of which require a factoring company that specializes in a specific industry.
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Transportation factoring is for transportation companies that need working capital to pay drivers, purchase fuel, and maintain vehicles. Freight factoring is commonly available in the marketplace, and prospects can enjoy some of the lowest rates and flexible terms through this form of accounts receivable factoring.
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Construction factoring is for general and sub-contractors who are working on commercial or government projects. This form of accounts receivable factoring allows contractors to receive funds after submitting approved progressive billings. Construction companies typically use accounts receivable factoring proceeds to pay for labor and materials.
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Medical factoring is for medical practices collecting payments from Medicare, Medicaid, and other third-party insurers. Healthcare facilities and providers use this type of accounts receivable factoring to cover payroll and expenses. Medical factoring is almost exclusively done by companies that specialize in this type of accounts receivable factoring.
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ASSET BASED LENDING

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Secure a working capital loan based on the value of your business assets. Financing is available against accounts receivable, machinery and equipment, inventory, and real estate.
Receivables finance is typically the main component of an asset-based loan and generates the most working capital. Lenders prefer accounts receivable over other assets because it is the most accessible asset to convert to cash. In many cases, lenders like to control the flow of liquidity by sharing a deposit account or lockbox facility.
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Inventory finance is an essential component of asset-based lending. Inventory finance increases a company's working capital by funding a percentage of the total cost of inventory on hand. Advance rates are often fifty percent of the cost of goods, however, are ultimately decided by an appraisal.
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Equipment finance is another component of an asset-based loan and is available to companies that own capital equipment. Advance rates are typically less than advance rates generated by accounts receivable funding. While lenders prefer equipment that is bolted down, some will consider advances on rolling stock as well.
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SBA LOANS

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Start or expand your business with loans guaranteed by the Small Business Administration.
The 7(a) Loan Program is the SBA's primary business loan program for providing financial assistance to small businesses. SBA 7(a) loan can be used to refinance existing debt, working capital, purchase inventory, buy out a partner, or purchase commercial Real Estate.
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SBA 504 loans are available for owner-occupied Real Estate and can be used to purchase a building, finance ground-up construction or building improvements, or purchase heavy machinery and equipment.
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The SBA Express Program provides small businesses with a streamlined method to obtain SBA-backed financing for loans and lines of credit up to $500,000. This program can be used for working capital, to refinance existing debt, purchase inventory & equipment, and purchase Commercial Real Estate.
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TERM LOANS

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There are many term loans options that Commercial Finance Partners offers our clients. While we offer SBA term loans, other terms loans are generally for requests that are not SBA eligible or need a faster close, a creative structure, customized amortization, and other specific uses.
Cash Flow Based Term Loans can be funded as quickly as 24 hours. There are advances against future revenue, as well as loans that are considered using historical cash flow.
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Bridge loans are generally used to help facilitate a need that will ultimately be satisfied by permanent funding. Whether it is a real estate project or a bridge to a senior credit facility, bridge loans can often create liquidity needed to complete the transaction through expedited underwriting and funding.
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Situational Capital term facilities are typically subordinated debt solutions providing growth capital and special situation financing without the restrictions of a traditional bank.
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REAL ESTATE LOANS

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Purchase, Refinance or Cash Out Conventional Loans program ideal for Investment & Owner Occupied Commercial and Residential Properties
We offer multiple financing programs for acquisition, refinance and cash out against single family & multifamily properties, including 1 to 5-unit townhomes, SFR, 5+ unit apartment buildings and residential portfolio loans.
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Our Conventional CRE Financing Programs can be used to purchase, refinance and cash out Owner Occupied and Investment Commercial properties, including office, retail, light industrial and mixed-use properties.
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Commercial & Investment Real Estate bridge programs can be used to acquire, refinance or build investment, as well as owner occupied properties.
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We offer nationwide solutions for your multifamily finance needs, including Fannie Mae, Freddie Mac, FHA and Bridge loans, among many other flexible options.
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Our Senior Housing programs provide financing options for properties that provide Independent Living (IL), Assisted Living (AL), Alzheimer’s/Dementia Care (ALZ), or any combination thereof.
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We pride ourselves in providing the best service and quality products in the industry. Read what our clients have to say about our service and products.

I've worked with Darren and Marcus for years with all of our firms funding needs and they have always come through for us! Their professionalism and industry expertise is top notch. We’d highly recommend to anyone looking for business funding.

Eric Pomeroy
Senior Manager
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A world class financial institution! Easy, quick and professional to work with. All business is valued. Very much enjoy working with Commercial Finance Partners and would highly recommend their services!

Whitney Spielfogel
Managing Director

Nicholas Low was able to find me a lender to refinance my business when I had looked for months with no luck. Nicholas takes the frustration out of finding a lender for you then gets you set up with them. I highly recommend Nicholas if your looking for financing.

Tanya Mentgen
Chief Financial Officer