Tuesday, February 16, 2021

Fast Cash for Businesses


Business Loan amounts for Every Type of Business or Financing need from: $5K-$10million

Why Choose Our Financing?

 In business and funding since 2006
 Experienced Exec. Management Team
 Secure Management System
 Fast Approvals and Funding in 24 Hours

Working Capital / ACH Loan / MCA Loan 

Working Capital:

Small business working capital is technically defined (and calculated) based on the amount of

your current business assets minus your current liabilities: The amount that remains is

considered your working capital.

Though the “right” amount of working capital for each small business varies based on

their industry, sales cycle and supplier relationships, working capital is an important metric to

proactively manage. At Next-Financing, we’re committed to empowering business owners with

access to the working capital resources, to ensure their business has financial stability through

all the ups & downs.

Fast, flexible access to short-term funding is essential to the growth of your business. Our

working capital products feature 3 to 24 month terms and fixed daily, weekly and monthly

payment options. Our extensive bank/lender network will approve almost every business with

the proper amount of revenue and time in business.

ACH Loan:

An ACH Working Capital Loan is basically the same thing as a "Revenue Based" Loan. An

ACH Loan bases the approval amount on the applicant's last 3-6 months of gross revenue or

bank deposits. A solid rule of thumb - if an applicant is depositing $20,000 monthly into their

business banking account or has gross monthly sales of $20,000, their loan approval cap will

most likely be $20K or 1X of their monthly bank deposits. Depending on the industry, time in

business, business owner's credit score and monthly revenue......the approval amount will come

back between .5X to 1.25X.

Flexible terms and rates based on a business’ performance, not their personal credit history,

may make a Next-Financing ACH loan an attractive option when compared to a traditional bank

loan. We offer a quick response to all loan applications by qualifying and evaluating a

business, based upon a variety of important performance metrics.

MCA Loan:

Next-Financing's MCA application requirements are designed with the realities of the small

business owner in mind. We don’t require high credit scores or a robust business credit history.

Instead, our approval process considers a variety of factors, including projected sales volume

and sales history.

Next-Financing MCA's are not actually a loan. Instead, you decide the amount of funding you

need to access (up to your approved limit), based on monthly sales volume. Your repayment

schedule is based on settled credit card and debit card transactions. Many Next-Financing

clients opt to repay their merchant cash advance daily in small percentages, while some choose

a weekly ACH transfer. (repay options are based on qualification guidelines)

Usage of Funds:

Our customers use these funds for buying inventory, taking advantage of timely opportunities,

handling emergencies, buying/repairing/upgrading equipment, managing payroll, increasing

their marketing efforts, hiring additional employees, updating their office and much more. You

never know when unexpected opportunities or costs will occur. It's always wise to have funds

available to protect and grow your business.

When you choose Next-Financing, you’re working with a team of industry professionals who

want to be your funding partner for the life of your business. Our executive team has more than

70 years of collective experience in financial services, and is committed to helping our clients

access a working capital solution that best fits their business.

ACH / MCA Product Info:

Approval Amount: $3,500 - $2,000,000.

3 - 24 Month Pay-Back Terms.

Approvals in 24 hours or less with proper documentation.

Daily/Weekly/Monthly Payments - Paid via Automated ACH.

No Personal Collateral.

Funding Within 1-3 Days!

Minimum Qualifications:

Must have owned business for 3+ Months.

Being in business for 12+ Months will provide better options/terms.

No minimum personal credit score.

Monthly sales revenue of $7,000+ (Minimum average over last 3 Months).

Minimal negative daily balances on primary business account.

Positive Month ending balance - enough to handle future ACH/MCA payments.

Signed Credit Application.

3-6 Months Bank Statements. ( We always ask for the last 3-4 months)

Debt Worksheet (Document to see what other loans/advances the business has.)

Business Loan / Advance Consolidation

When your small business has fluctuations in sales, needs to invest in inventory or equipment to

support its growth, or experiences a delay in accounts receivable, a Merchant Cash Advance or

Working Capital Loan can provide access to the funding you need — without requiring that you

sacrifice your business’s cash flow.

Most traditional lenders offering merchant cash advances consider only business applicants

with an established credit history and years of documented performance. Likewise, many of the

alternative lenders/brokers that advertise cash advance loans charge small businesses

exorbitant interest rates, unreasonable terms and since the business is in a bind.....gets stuck

with multiple advances.

If you are stuck in this type of situation, Next-Financing will pay off up to 6 other MCA's.

Example: You took out a $50,000 advance a year ago and have $20,000 remaining, but would

like to pay off the existing $20,000 with an extreme APR and then get an additional $20,000.

We would simply pay off your outstanding balance of $20,000 with your current lender and

structure a new advance with your newly approved amount of $20,000 - bundled into one single

$40,000 advance, which only requires one single advance payment.

We offer transparent working capital and MCA solutions, which are designed

to support the needs of small businesses, including startups that have been in business for as

little as 3 months.

Consolidation Product Info:

Approval Amount: $20,000 - $2,000,000.

12 - 60 Month Pay-Back Terms.

Approvals in 48 hours or less with proper documentation.

Daily/Weekly/Monthly Payments - Paid via Automated ACH.

Personal or Business Collateral May Be Required.

Minimum Qualifications:

Must have owned business for 12+ Months.

Personal credit score of 500+ or have collateral to leverage.

Monthly sales revenue of $20,000+ (Minimum average over last 3 Months).

Minimal negative daily balances on primary business account.

Signed Credit Application.

3-6 Months Bank Statements. (May need 6 Months - depending on consolidation.)

Debt Worksheet - Mandatory.

Real Estate Worksheet - Collateral - If Applicable.

Facilities List Worksheet - Collateral - If Applicable.

Term Loan

Grow & Invest In Your Business

Some businesses have different needs, so they demand and deserve financing with

longer/better terms. Maybe you’re looking to remodel or expand. Maybe you have an

opportunity to buy out a competitor. Our term loan will enable you to get the capital you need for

your growth project, and take up to five years to repay. Next-Financing's Term Loan offers low

rates and flexible terms, and does not require collateral.

Leverage the success of your business into a loan with better terms. For those business owners

who have weathered the storm for 1+ years, our term loan product was built with you in mind.

Award Winning Experience. Highly Competitive Pricing. No Prepayment Penalties.

We offer easy to understand, award winning, credit products with customer-friendly

features like no prepayment penalties, 1-3 year pay back terms, Weekly, Bi-Weekly and Monthly

payments and highly competitive pricing with rates starting at 8.99%.

Our Term Loan was built to allow as both a reward and to be used as a tool for your business to

grow. Move or expand your working space: Give your business room to grow with a bigger

office, new retail location, or more warehouse space. Refinance Debt: Convert high-interest

debt into one monthly payment at a fixed rate you can afford, with no early repayment

penalties. Buy inventory or equipment: Invest in new equipment and fulfill every order

through bulk inventory purchases. Hire More Employees: Take your business to the next level

by expanding your team and adding new skill sets.

Term Loan Product Info:

$20,000 - $500,000.

1-3 Year pay back terms.

No pre-payment penalty.

Interest rates starting at 8.99%.

Application to Funding within 1-3 days.

Weekly, Bi-Weekly & Monthly Payments.

Use the funds for pretty much anything your business needs: SBA Bridge Loan, Expansion,

Inventory, Payroll, Staffing, Marketing, Debt Restructure, New Equipment, etc.


1+ years in business.

620+ personal credit score.

$20,000 minimum monthly revenue.

Signed application.

6 months most recent bank statements.

Debt Worksheet - If Neeeded

Inventory Loan

If you manage different products and need to maintain inventory, having cash at hand is

essential. Meeting the demand of your customers is vital to your profitability and business

reputation. Running a business can put you in a position where you must make a purchase that

is only offered for a limited time or has a short shelf life, requiring you to come up with an

immediate capital solution. Aside from this, seasonal shifts in sales and supply volumes can

take a toll on the working capital of a business. This can create a greater demand for more

inventory than usual, which is why an inventory loan would be valuable to your business.

Seasonal Inventory:

Many businesses experience cycles in their supply and demand, often referred to as the “busy”

and “slow” seasons. For example, retail business tends to boom around the end of the year

during the holidays, while travel-related businesses boom in the spring and summer. Busy

seasons bring in large volumes of capital and customers, but they also require more inventory

than what’s typically kept on hand during the rest of the year.

To avoid running out of inventory during peak season, inventory loans allow businesses to attain

the supplies they need to keep up with fluctuating periods of demand in their industry. Inventory

loans can help a business take advantage of busy seasons so they can survive through the

slow seasons.

Short Term Inventory:

Some products are available for a limited-time or in limited amounts. This means that some

companies will be able to offer them to their customers, while others will not. In order to

succeed over competing businesses, it’s imperative to secure your product quickly with access

to readily available capital at short notice.

Similarly, some businesses in certain industries need to acquire a product that has a short shelf

life. These products will need to be acquired, shipped and sold within a short time frame.

Inventory loans are designed to cover these situations so businesses don’t miss out on shortterm opportunities. They provide the necessary flexibility to keep up with competitors and

maintain an edge on emerging trends.

Unsecured Loans to Finance Additional Supply/Inventory:

Contrary to a traditional bank loan that secures your product as collateral, an unsecured

inventory loan with Next-Financing will have a shorter overall term with no collateral

requirements. It’s important to maximize your working capital because the market is always

changing and new and improved products are created every year. Unsecured inventory loans

with Next-Financing are designed with this in mind, ranging from 3 to 24 months.

Line of Credit - Revolving

Manage your business

with lines up to $250,000 and APRs as low as 13.99%

Flexible working capital

How it works: Draw the cash you need directly into your business checking account at any

time. Only pay interest on what you draw. Pay back your balance early any time.

Use your line of credit to:

Manage accounts receivable gaps

Take advantage of new opportunities

Manage unexpected expenses

Because of the cyclical nature of business, you may need to borrow money to meet your shortterm needs or goals. One commonly used option to obtain these funds is by securing a line of


A line of credit is an arrangement with a financial institution that establishes a maximum loan

the lender will allow the borrower to take. You can withdraw any increment from the line of credit

at any time, as long as you don’t exceed the maximum set in the agreement.

A business line of credit is similar to a credit card, since you use it as you need it. You make

payments on a regular, predetermined schedule, and you can borrow or use more as your

principal is paid down.

How can I use a line of credit?

Many businesses utilize business line of credit loans to increase their working capital. Using this

type of loan is a great way to bridge the gap between the tasks you need to do and the cash

flow you need to get them done.

Lines of credit are mainly to help even out your cash flow. A line of credit loan is typically used

for short-term working capital needs like covering payroll when you hire new employees;

purchasing inventory during a busy season or to fulfill a larger order; or offsetting seasonal

lapses in cash flow.

Is a line of credit loan a good fit for my business?

While it’s ideal to have savings to help your business weather storms, the next best thing is to

apply for a line of credit. Business credit lines were designed to help you meet short-term cash

needs, such as purchasing supplies or additional inventory or covering operating expenses.

Essentially, a business line of credit can help small businesses thrive and grow.

A business line of credit is a good option to offset fluctuations in working capital when your

expenses stay constant. A line of credit will give you access to funds to continue to pay bills on

time or purchase additional inventory if needed.

The advantage of a line of credit over a regular business loan is that interest is only charged on

the funds you actually use. Additionally, your business can draw on the line of credit at any time

that you need.

Line of Credit Product:

*Credit Line approvals up to $250K

*Interest Rates from 13.9% - 24.9% - Your line amount and rate will be based on the

assessment of your business along with your business and personal credit.

*Fixed Weekly or Monthly Payments - Automatically deducted from your business bank

account, so you don’t have to worry about missing due dates.

Line of Credit Minimum Qualifications:

*Been in business for 12+ months

*620+ Credit Score

*Monthly Gross Revenue - $25K+

Invoice Financing

Why Invoice Financing? Invoice Financing provides businesses with "on demand" access to

funding, using your outstanding invoices as collateral. Invoice Financing with the help of

technology is different than Invoice Factoring. Traditional Invoice Factoring involves the sale of

unpaid invoices or collections to a third party. This usually involves selling your own

customers' contact information to a third party factoring company. Invoice financing lets you take

better advantage of your outstanding invoices, without paying outrageous fees and without

selling your customers to a third party.

6 Reasons - Why Smart Business Owners Use Invoice Financing

Does not create long term debt. This is money you've already earned. You simply pay a

small fee to access the invoice funds, while you provide 30/60/90 day terms.

Takes the stress out of invoicing. No more worrying about customers paying past 30 days.

New Opportunities - If you want to expand your business, you need a healthy cash flow,

which will allow you to go after larger projects.

Fully automated and synced to your accounting software - easy reporting.

Fast Funding and Much smaller fees than a MCA. Funds available as soon as next

business day

Invoice Financing grows with your business. As your business grows, your approved

"credit line" will grow along with it.

If your business invoices on a regular basis, this is an absolute no brainer. It costs nothing to

get set up. Once you're set up, you will have a new best friend.

*We provide Equipment Lease Financing for both Prime and Sub-Prime (Substandard)

applicants, which allows our vendor partners to maximize their revenue opportunities

across the board.*

Most businesses need equipment. For some, it’s as simple as a smartphone and tablet

computer, for others it’s a 3D Image Scanner and a specialty printer, or a Box Truck and Forklift

or even a Commercial Truck and Trailer. Some equipment can be used for many years, while

other items might be obsolete in 24 months. Some must be acquired new, while others can be

purchased used from an auction. Some can be purchased outright, while others can be leased.

But no matter what you need or the capital you have on hand for it, there are ways to get

equipment–and finance it.

We work with nearly every business specialty and equipment type. If you need to add

equipment to your business, but you don’t want to tie up your capital, then this is the loan

product for you. Equipment Financing is available with little or no down payment, in both lease

and loan options. The approval process is fast, the payment schedule is affordable and there

are potential tax advantages.

Equipment offerings for specific niche industries:

Commercial and Industrial

Trucking and Transport

Commercial Vehicles

Franchise and QSR

Gas, Convenience Store and Car Wash



Merchant Finance

Technology and Software

2020 Tax Incentive: Section 179

Tax provisions accelerate depreciation on qualifying business equipment, office furniture,

technology, software and other business items. When you finance such purchases with NextFinancing, you may deduct a significant portion, up to $510,000 in 2020 (to be adjusted for

inflation). There is a dollar-for-dollar phase out for purchases over $2 million. Additionally, any

qualifying purchases in 2020 may also take 50% bonus depreciation in the first year plus their

regular MACRS depreciation on the remaining 50% portion of the cost basis. Consequently, not

only will Section 179 help bolster your bottom line, you garner the benefits of new equipment

and technology that will help grow your business.

Invest/Purchase Now:

To capture these tax savings, qualifying property must be placed in service before December

31, 2020. Simply choose your business equipment and Next-Financing will design payments to

help you make a profitable decision.

Equipment Lease Financing Programs:

"A" Credit Program:

5+ years time in business.

650+ Credit Score.

Application only Available on equipment purchases up to $250,000.

Approvals up to $10 million.

"B" Credit Program:

2+ years time in business.

650+ Credit Score.

Application Only Available on equipment purchases up to $150,000.

Approvals up to $2 million.

"C" Credit Program:

Under 2 years time in business.

Under 650 Credit Score.

Monthly Gross Revenue = Cost of Equipment.

Application Only Available on equipment up to $60,000.

Approvals up to $1 million.

Down payment Required - 10-40%.

"Start-Up" Program:

No time in business required

600+ Credit Score

Application Only Available on equipment purchases up to $25,000

Down Payment Required - 10-40%

Equipment Financing Info:

$20,000 - $10,000,000 Equipment Financing.

12-84 Month payback terms (Typically 36-60 months).

Approvals in 24 hours or less with proper documentation.

Affordable monthly payments.

Deferred payment options.

Low barrier of entry cost - Typically $0.

No personal collateral for most programs.

Funding to equipment vendor within 48 hours.

Includes software/hardware packages.

Both New and Used Equipment.

Application-Only Express is available for qualified applicants.


Programs for start ups to prime credit business owners.

$20,000+ Monthly Revenue.

500+ Personal Credit Score.

3-6 Months Bank Statements.

Signed Credit Application.

Equipment pricing invoice of equipment being purchased - quoted price from the approved

vendor or seller.

*Financials are required for larger deals that exceed approved program tier amount, such as

last year's tax return, balance sheet, Income statement and YTD P&L.

Business Factoring

Our mission is to provide fast financing, exceptional services, low rates, and the capital you

need to manage your business. We bridge the gap between invoicing and payment with

immediate cash. We are a team of real people addressing real problems and providing real


With X-Factor's invoice factoring services, you can have your cash today, while still having

control of your business. We understand cash flow is vital to your business and we are here to

partner with you.

Trucking: With freight factoring you can pay drivers,

insurance, fuel, and other expenses now – with peace of mind

and speed. Factor all or only some of your invoices. Never

turn down another load because you can’t pay fuel or driver

cost. Transportation factoring makes growth possible.

1. Complete Load Delivery 2. Assemble Rate Confirmation

and B.O.L. 3. Produce or Provide Invoice 4. You are paid the

same day.

Freight Brokers: Your business is complex, so we keep our

part simple. Over 200 transportation intermediaries have

turned to our invoice factoring solutions to manage their cash

flow, protect their credit ratings and secure truck capacity.

1. Book a load. 2. Dispatch a truck. 3. Confirm delivery and

send in your invoice and paperwork. 4. You and your carriers

are paid within 24 hours.

Government Contractors: Delays in getting paid can put the

squeeze on government contractors. Learn how invoice

factoring as a means of government contract financing

provides working capital to keep your company going strong.

1. Send us your contract. 2. We will notify contracting agency

of assignment. 3. Submit invoice with proper documentation.

4. You get paid same day.

Oil and Gas: Oil, gas and energy companies need operating

capital upfront. X-Factor invoice financing can provide cash

now for your accounts receivables at a discounted rate so you

can meet your oilfield funding requirements.

1. Crews complete job or work order. 2. Collect signatures on

paperwork. 3. Provide Invoice and Supporting Documents.

4. Cash Flow starts flowing in 24 hours.

Staffing: Payroll funding and cash flow worries shouldn’t limit

your company’s growth. Learn how accounts receivable

financing can insure your staffing company makes payroll on

time, every time.

1. Employees submit their time card. 2. Process Payroll

3. Submit invoice and time cards. 4. You're paid same day.

Small to Mid-Sized Businesses: Learn how accounts

receivable financing can put an end to your cash flow

problems. X-Factor makes invoice factoring easy so you can

recharge your operating capital and get back in business.

1. Complete the service being rendered. 2. Assemble signoffs or completed work orders. 3. Provide invoice supporting

documents. 4. You're paid same day.

Our factoring rates start as low as 0.55% and are usually no more than 2%. We do not use the

same flat rate for every client. We know that every business is different and deserves a

customized financing program and we want your business to get the lowest possible rate.

Credit Line: $25K - $5MM/Month Advance Rate: 95-97%

Days to Fund: 2 Credit Line: Up to $5MM/Month

First 30 Days: .55% - 2% Monthly Access Fee: $0

In-House Underwriting: Yes Dedicated Account Rep: Yes

Credit Approvals: $35 Over-advance Fee: None

Lock Box Fee: $50 Same Day Funding Fee: None

Early Wire Fee: None Outgoing Wire Fees: $30

Some companies offer an attractive 1% "teaser" rate, but keep in mind this is a weekly rate, so

it increases by one percent each week. On a net 30 day payment, their rate is really 4.5% and

on a net 60 day payment, it would be 8.5%.

Let us break down what the cost really looks like after 30 and 60 days.

Factoring a $10,000 invoice at a weekly 1% rate would cost you $450 at day 30 and $850 by

day 60. X-Factor provides a monthly factoring rate; if you were to agree to a 1.5% rate the

same $10,000 would cost you $150 at 30 days and only $300 at 60 days; less than half of what

a weekly rate would cost you. Basically 1/3 of what their "teaser" rates end up costing.

SBA Bridge Loan

What if you could get the funded you needed in 3-7 days AND end up with the terms and

structure of an SBA Loan for the next 10-25 years? Would you consider that a win/win or the

best of both worlds? Let's talk about our SBA Bridge Loan.

Traditionally, bridge financing is a short term business loan used as temporary financing until a

more permanent financing facility is in place. Most bridge loans are used for immediate working

capital needs and are usually paid-back in 1-12 months. Being that an SBA loan may take up

to 2-3 months for funding to be accomplished, a company may find themselves needing

immediate working capital that wouldn’t be available for weeks. In those instances a company

may seek a bridge financing option to help meet their needs until permanent SBA financing is


The key is to secure a Premium Term Loan Product (Which we offer) that doesn't have a prepayment penalty, as you will be paying this temporary bridge loan off when your SBA funding is

finalized and funds your account. We like to think of the bridge loan as a tool to get to the end

product, which is the premier business loan product for the long term - The SBA Loan. But,

there's no reason you can't have your cake and eat it too!

Product Info:

$20,000 - $500,000.

1-5 year pay back terms.

No pre-payment penalty.

Interest rates starting at 7.49%.

Application to Funding within 2-5 days.

Weekly / Bi-Weekly / Monthly Payments.

Use the funds for pretty much anything your business needs: SBA Bridge Loan, Expansion,

Inventory, Payroll, Staffing, Marketing, Debt Restructure, New Equipment, etc.


12+ Months in business.

650+ personal credit score.

$200,000 minimum annual revenue.

1-2 years personal tax return.

1-2 years business tax return.

Signed application.

6 months most recent bank statements.

YTD Financials

SBA Express Loan

We take the confusion out of getting an SBA loan. Get funded

without the headache.

An SBA express loan is aimed at assisting a small business owner in getting financial

assistance faster than the conventional loan programs provided or backed by the US Small

Business Administration. This loan facility is another way for borrowers to get quick loans via

more streamlined application and documentation processes. Finally, the main reason why this

loan facility is called express is due to its 36-hour turnaround time.

SBA express loans are offered through banks and lenders. Since the SBA has given the lenders

the freedom to use their own forms and policies with regard to endorsing loans to the agency,

the processing time for such loans is significantly lessened.

Who Is Eligible for an SBA Express Loan?

Anybody who is within the age of maturity can apply for this type of loan. However, if you intend

to take advantage of this debt facility, you have to show concrete plans on how you will use the

proceeds. It is important that you show the lender that you will use the proceeds for starting,

expanding or boosting your small business.

The requirements of the loan are similar to typical commercial business loans. The most

important thing that you need to prove, however, is that you have the capability to repay your

loan on time based on the profits and cash flow of your business. Also, having a good credit

background is a plus. Collateral is not really needed to back such a loan, provided that the

amount is $25,000 or below. Anything more than $25,000 should be secured. The maximum

amount that can be loaned is $350,000.

Interest Rate of an SBA Express Loan

The borrowers can try to bargain for lower interest rates because the lender is the one that will

determine the rate applicable to the loan. However, the SBA has ruled that the maximum

interest that lenders can charge is 4.5% for loans above $50,000 and 6.5% for loans that are

$50,000 or below.

Advantages of This Loan

The processing time for an SBA Express Loan is fast - typically under 30 days. Furthermore,

people who are unable to obtain traditional credit lines have a chance to secure credit under this

product. It's also a great way to refinance current business loans with high interest rates.

If you are a business owner who qualifies for an SBA loan, willing to jump through the hurdles

associated with the approval process.....AND can afford to be patient for 30-45 days to allow

funding to happen, an SBA Express loan is the product for you.

Product Info:

6.25-7.25% interest.

10+ year payback terms.

Up to $5 million - Standard SBA - Funding in 1-3 months.

Up to $350,000 - Express SBA - Funding in approximately 2-6 weeks.

Collateral may be required.


Must be in business 2+ years.

650+ personal credit score.

6 months most recent bank statements.

2 years personal tax returns.

2 years business tax returns.

debt settlement worksheet.

P&L (current) for their business.

Income Statement for their business.

Personal financial statement.

Phone interview

SBA Commercial Real Estate Loan

100% Financing Option

Purchase or Refinance Commercial Real Estate

Next-Financing is excited to introduce a new 100% financing (no down payment required)

product for commercial real estate!

As an advocate for small business owners nationwide, we are always working to find ways

to provide great financing options to business owners. We're proud to be able to facilitate a

100% financing Commercial Real Estate Product through our SBA Bank. This solution has

BIG benefits for borrowers who don't want to reduce their cash flow, and keep their money

invested in growing their business!

With 25-year terms and interest rates ranging from 5.50% to 6.75%*, SBA 7(a) loans are a great

option for small businesses looking to refinance an existing commercial real estate mortgage,

buy an office building or other owner-occupied commercial space. 

Take advantage of all of the benefits of the SBA 7(a) Commercial Real Estate Loan:

25-year, fully amortizing term means low monthly payments

Loan amount of $350K - $5 Million

Variable interest rate of Prime + 1.50% - 2.75%*

No loan maturities or balloons

Borrowers build equity value and long term net worth

Potential tax savings

To qualify, borrowers must be in business for 2 years, have a credit score of 660 or higher and

the loan payment must not exceed their current monthly rental expense.

How It All Works

1. Pre-qualify for an SBA 7(a) Commercial Real Estate


Pre-qualify in as little as 5 minutes without impacting your

credit score. Simply provide basic information online and we’ll

automatically tell you if you prequalify for an SBA commercial

real estate loan from $350,000 to $5 million.

2. Provide Financial Information

Provide financial information about your business and its

owners. Your dedicated Relationship Manager can help with

any questions.

3. Accept Your Letter of Intent

You will receive a non-binding letter of intent (LOI) outlining

details of the SBA commercial real estate loan so you can

negotiate terms with the property seller or your existing lender.

4. Conduct Property Valuation

During the SBA commercial real estate application process,

the property you’re interested in will be valued. Your dedicated

Relationship Manager helps facilitate this step.

5. Get Funded

Upload requested documents to complete your application.

We'll work with you through the loan closing process. Funds

can be wired for closing in as fast as 30 days after credit




At least 51% of the property's square footage must be

occupied by, and used by, your business

2+ years in business

Business owners must be U.S. citizens or legal permanent


Business owners must have personal credit scores above 675

Cash flow to support loan payments

The estimated purchase price must be greater than $350,000

100% financing option requires a loan payment that does not

exceed the current monthly lease expense

No/Not Approved:

Developers or landlords that are not actively occupying the


Investment properties (for example, the majority of the property

will be leased or it is a real estate flip project)

Bankruptcies or foreclosures in the last 3 years

Prior default on government backed loans

Outstanding tax liens

Construction (for example, purchasing an empty lot and

building a new structure)

1 Application-17 Lenders-All Your Options

Approvals Up To $100K - Instantly!

Everyone knows it's almost impossible to get their hands on start up capital, unless you

approach your family, friends or find an investor who wants a large percentage of your business.

It's time to leverage the confidence you have in yourself and secure a Personal Loan and use it

to fund your dreams. Launch your business with your own capital that you secure through our

Personal Loan Platform. You can use our Platform to gain access to funding for many things on

your "want" list. For example: Debt Consolidation, Home Improvement, Student Tuition,

Special Occasion, Vacation, Auto Purchase, New Baby Expense, New Boat Purchase, Medical

and Dental Expenses, Moving and Relocation, Taxes and much more. 

Introducing Next-Personal, which allows anyone seeking a Personal Loan for any reason to

submit one application and have access to all their qualifying options within seconds. Favorable

loans have been difficult to come by and people don’t know where to go to get the best possible

rate. This is where Next-Personal comes in. Powered by Fintech, the platform infrastructure was

built to make it easy to get access to the very best loan for your personal situation.

Basically, our platform matches applicants with the right financial products and services at the

right time, while providing transparency and reduced cost of acquisition to online financial

service providers. It’s a win-win for everyone. Unfortunately, seeking a personal loan online

today can involve a complex web search with hard to navigate relationships and regulations for

both applicants and lenders. Next-Financing’s approach was to simplify the entire process for

all parties. Not every applicant is the same and not every personal lender is the same, so why

not give you a crack at 12 lenders all at once and have them compete for your business? Go

for it!

Frequently Asked Questions:


Q:  What are the interest rates?

A:  Interest Rates do not exist in the Working Capital/Receivables World.  These are not the type of loans you seek to use long term, but rather short term to help grow your business.  We buy your future receivables at a discount by using a factor number. For example, in exchange for $10,000 today, you agree to pay back $13,000 – a factor of 1.30.

Q:  What if I have bad credit?

A:  Our agreement to buy your future receivables is primarily based on sales history and the probability of having future sales.  Certain credit score qualifiers will expose your business to a different set of terms or approval amounts, but it typically will not keep you from receiving an offer if your revenues are strong.


Q:  Do I need to accept credit cards to get approved?

A:  No. You do not need to accept credit cards. We consider all forms of business receivables while reviewing an application, including cash, checks, and electronic receivables.


Q:  Do we have a Spanish version of our application and instructions?  Do we have Spanish speaking Reps?

A:  Yes, we have a Spanish version of our application and all of the documents needed to get started and we would be happy to pair you with one of our Spanish speaking Sales Directors to assist you through the process.

Call for a ONE-PAGE APPLICATION and details of documents needed or email: 24hourfinancing@gmail.com

Ralph Coleman
I.O. Enterprises (since 2006)

Fast Cash for Businesses

  Business Loan amounts for Every Type of Business or Financing need from:  $5K-$10million Why Choose Our Financing?  In business and fundi...