Need a Loan?

Who is Eligible for an SBA Loan?
Most  for-profit small businesses are eligible for an SBA guaranteed loan.  This includes manufacturers, wholesale, retail and service businesses as  well as independent or franchise businesses. 

• Retail and service businesses with sales (3-year average) not exceeding $20 million, depending on the industry
• Wholesale businesses >=100 employees
• Manufacturers >=500 employees

SBA 7(A) Loan Size up to 5 million 

• Loan fee: $750 to $2,000
• Fee is based on loan size, paid at the time of loan submission; refunded if declined by credit
• SBA guaranty fee: 1.70% to 2.60% of the loan amount
• Fee can be financed in the loan

• Commercial real estate (purchases, construction, or refinance)
• Leasehold improvements
• Business expansions
• Machinery, equipment, furniture or fixtures
• Business acquisition
• Working capital 
• Start-ups (ALL Franchises, Motels, Restaurants Gas Stations and C-Stores)

• must have adequate historic cash flow to cover the debt
• Business debt to net worth must meet industry averages
• Borrowers must be actively involved in daily operations
• Satisfactory personal credit histories are required for all principles and guarantors
• No past bankruptcies or felony arrests

 Working Capital Loans 

• Loan amounts ranging from $15,000 to $250,000
• Very Competitive Rates
• Up to 84 months to Repay
• Credit Approval in 48 Hours from Application Submission
• Funding Within 5 Days of Receipt of Signed Documents
• Programs for Medical Professionals with Damaged Credit
• May be used for personal needs, debt consolidation or practice expansion.
•  We can finance medical practices such as:
  • Board certified internists
  • Dermatologists
  • Maxillofacialists
  • OB/GYN's
  • Orthopedic Surgeons
  • Pediatricians
  • Plastic Surgeons
  • Cardiovascular Surgeons
  • General Surgeons
  • Neurosurgeons
  • Opthalmologists
  • Oral Surgeons
  • Periodontists

Debt Restructuring

Loans have different maturities and in most cases, the companies have built-in equity in the equipment.  We will pay off all of your lenders and refinance all your equipment into one loan.

This can result in reduced payments of 30% or more, so your cash flow and bottom line are greatly improved.

Example of a recent transaction:

A manufacturing company had combined monthly payments of $28,000 per month and showed a modest $10,000 a year in profits.

They were able to refinance all their loans and reduce their monthly payments to $16,000 per month.  Their bottom line was increased by a whopping $144,000 per year!

We offer traditional working capital loans with great rates and up to 1-4 years to repay. Our lender is a leading online lender that works closely with partners to provide the best financing solution.

This is a conventional fixed rate loan in amounts of between $20,000 and $500,000.  We also have a fast track program where we can provide a loan of between $20,000 to $100,000.  All we need is an application and the last four months bank statements.  We can have an answer in 24-48 hours and fund shortly after the approval.  

The application takes less than 10 minutes and funding can be available in as little as 3 days.  This is a great program for clients in a wide variety of industries such as:

• Gas Stations
• Convenience Stores
• Dry Cleaners
• Agriculture/Farming
• Distilleries/Breweries
• Restaurants/Bars
• Liquor Stores
• Healthcare
• Pet Care
• CPAs
• Lawyers 
• Engineers
• Hotels & Motels
• Other Personal / Professional Services

Our lender is unable to fund the following:

• Used car dealers
• Banks and other lending institutions
• Insurance carriers
• Money service businesses
• Adult entertainment
• Marijuana based businesses
• Non profit entities
• Government entities
• Online gambling services

We provide the following services:

• Analysis of the purchase price. We determine if the purchase price can be supported based upon the cash flow of the acquired entity.
• We do an in depth analysis to determine whether the purchase price is within the standards of the industry.
• Financing to purchase the company. We do this  by leveraging the existing assets of the company to the maximum amount  based upon cash flows available, keeping your cash requirements to a  minimum.
• 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.

In today's economic environment, banks are no longer able to lend money to businesses like yours as they have in the past.  Banks are absolutely flooded with applications from consumers and businesses, and at the same time they are facing record defaults on their existing lending. This leaves the banks with a mountain of applicants and a shrinking reserve of money to lend.  Mechanics that used to qualify are being instantly denied.  Its just the plain truth.  Fortunately, we can help.  

We set you up from start to finish. We establish your  corporation if you don't already have one, build your business credit  profile, establish your corporate credit, formulate an asset protection  plan and get your company in front of our network of national and  regional lenders so you'll have the best chance to get the funding your  business needs with one easy, no hassle application. Unsecured loans and lines of credit may be used for start ups, business expansion, or debt consolidation. 

Unlock the Cash Tied Up in Your Receivables. If you sell your products or services to businesses that pay in 30, 60, 90 days or more,  we have a liquidity solution for you. We 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. It is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customers' credit for you, notify you of bad risks and provide detailed monthly statements.  

• Cash in 24 Hours
• No Personal Guarantees
• Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

• Fund payroll or operations
• Purchase inventory for bulk/early payment discounts
• Fund expansion and growth
• Respond to seasonal demands 
• Secure large accounts

Types of Leases

• Applications up to $250,000.  No financial statements necessary.  Approvals in 24 hours.
• Middle Market financing up to $500,000.  Approvals in 3-5 days.
• Large ticket over $500,000.

*2+ year old companies: up to 84 months to repay with excellent rates.  

Sales & Lease Back

Most business owners opt not to use their bank credit lines for working capital.  We can use the equity in your existing equipment to give you the working capital that you need.  We buy your equipment and lease it back to you and when all the payments are made, you own the equipment again.

Startup Program

If you just started your business or is in business in less than two years, we can help you grow by financing the equipment you need.

Government and Municipal Leasing

We finance any government or municipal entity with guaranteed approval.  The rate is based on the rating of the agency.  

• Federal Government Agencies, State Agencies
• Armed Services
• Public Schools, Libraries
• Police Department, Fire Houses

Financing Up to $250,000

24-48 hour approval and up to 60 months to pay We can also do Startup Companies!  

Equipment equity loans are not based on the profitability of your company but the value of your equipment. With this loan, you can: 

• Put cash in your company's pockets
• Take on more jobs
• Acquire new equipment or expand your business

Here is a partial list of the equipment we can finance: 

• Above Ground Fuel Tanks
• Backhoe, Bulldozer
• Chipper, Stump Cutter
• Concrete Mixer
• Cranes
• Dump Truck, Mechanic's Truck, Roofing Truck, Flat Bed Truck, Garbage Truck, Tow Truck
• Excavator
• Trailers
• Street Sweeper
• Tractor-Farming
• Sewer & Septi

Canlas Capital offers the nation's only non-transfer of title Securities-based loans. 

If you have a portfolio of securities, we can set  up a line of credit of 70-90% of the value of the portfolio. This line  of credit is utilized as a true line of credit and you may borrow as  much or as little as you want. You can utilize the money for any purpose with no restrictions. 

Repayment is interest only, with no principal  payments. The rates are very low and approval is guaranteed, regardless  of personal credit. We can usually approve your loan within 3-5 business  days with no credit checks. There is no sale of your stock. You receive  all dividends. You can sell the stocks in your portfolio as long as you  buy other stocks of equal value.

• Revolving line of credit 
• Floating or fixed rates available 
• Interest rates as low as 1.6% (variable only) 
• Loan to value ranging from 70 -90% 
• Securities remain titled in client's name 
• Limited documentation - Not credit or income based 
• No prepayment penalty 
• With variable rate 
• Dividends paid directly to client 
• Client receives 100% of portfolio appreciation 
• Wide range of eligible securities 
• Foreign nationals with foreign securities accepted 

Your church can be automatically approved for a loan to purchase the equipment you need now. 

We offer low rates and up to 60 months to repay.  We can finance pews, HVAC systems, audio-visual equipment, pianos, computers, or just about any type of equipment your church needs. 

We offer 3 specific programs so that every church  nationwide can qualify to get financing for any equipment their growing  church needs:

• 7+ year old church, is part of a major denomination. 15+ year old non-denominational church.
• Minimum average bank balance of $7,000+.  Combined accounts (i.e. checking + savings) will qualify.
• Must be listed with directory assistance.

• 2-5 year old church
• Maintain a minimum average bank balance of $2,500+.  or more. Combined accounts (i.e. checking + savings) will qualify.
• Church must be listed with directory assistance.

  Start-Up Church Program 

• Less than 2 year old church
• Maintain a minimum average bank balance of $2,500  or more.  Combined accounts (i.e. checking + savings) will qualify. 
• Church must be listed with directory assistance.

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.

Get No Hassle Quick & Easy Cash Up To $150,000 For Any Use In Under 7 Days.

• BUY NEEDED EQUIPMENT 
• HIRE MORE EMPLOYEES
• REMODEL 

Determine  your average monthly credit card sales for the last six months. check the simple requirements below:

• In business for 1 year or in some cases less.
• You have at least $8,000 in credit card sales monthly.
• You have accepted Visa, MasterCard or Amex

Here is an example: Credit card monthly processing statements for the last 6 months total $540,000. Divide by 6= $90,000. You can get  80-120% of that amount or $72,000 to $108,000. 

Call us for a simple one page  application. You will be eligible for an advance of  80-120% of  your average monthly credit card receipts. 

Your payments are fixed at 15 to 20 percent of your future credit  card receipts until the loan is repaid. This includes principal and  interest.  You keep 80% to 85%. Once you have repaid 50% of the advance you  can make a simple phone call to re-borrow the paid amount. It's the quickest and easiest way to get cash for your business!