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Business Loans

Quickly find providers of commercial business loans. Research banks and other business lenders offering unsecured business loans and private business loans. Identify a company offering startup business loans that suit your company needs.
Business Loan Alternative - Business Cash Advance
Apply online for an unsecured business cash advance. When your bank says no, we say yes. Visa/MC Sales Required.
Apply Now | How It Works
RapidAdvance.com
Business Finance
Commercial finance firm offering Business Finance. Financing solutions designed to serve your specific needs. Contact us today!
About Us | Products Offered | Industries Served | Contact Us
www.capitalsource.com
B2B Business Loans to Grow Your Business
Do You Qualify? No Real Estate/Construction, No Mortgage, No Startup. B2B Only-No Consumer Sales. $1 Million in Annual B2B Sales in USA is Required.
SmallBusinessFinancingSite.com
Exclusive Business Loans $10K - $100K
Unsecured Business Loans Exlusively offered to those with verified 700+ FICO/BEACON & low debt. $100K. Sorry - Bad Credit Denied. Apply Today!
Business Loans | Personal Loans | About Us | Contact Us
AfsLoansOnline.com
Business Loan
Up To $250,000 Business Financing! Repay With Your Future Credit Card Sales. Must accept CC's.
www.americancapitaladvance.com
Business Loans For Businesses Over A Year Old
Need Business Credit? Save 50% In Interest Over Other Cash Advance Agencies On A Loan Up To $150k When You Process $3,000/Month In Visa/MC.
Apply Now | Up to $150K
www.ForwardLine.com
Get up to $500K in Unsecured Business Credit
2 years in business and 680+ credit score gets you $500K in Unsecured Credit.
www.UnsecuredLine.com
$10,000 - $350,000 at Small Business Loans.com - No Startups
Unsecured business loans, equipment leasing, factoring, cash advances, and credit lines for small businesses. Pre-approved online forms.
www.SmallBusinessLoans.com
Business Loans Insurance
Our business insurance helps minimize the risk of facing financial losses due to customer non-payments. Contact us today.
Products | Services | FAQ | Contact Us
www.eulerhermes.com
ING DIRECT: Business Savings Account Official Site
Earn 3.15% APY for your business. Savings with no fees + no minimums. Grow your money while you grow your business. Apply online.
Apply Online
business.ingdirect.com
Unsecured Business Loan Expert
$10K-$100K. Reward your good credit. Get approved now with no collateral needed.
www.AmOne.com
Business Cash Advance - Business Loans
Business Cash Advance of up to $200,000 on Visa/MC sales. Call today.
Apply Now | Cash Advance | Business Loans
AmeriValue.com
Business Loan Quotes - Must Accept Credit Cards
Repay With Future Credit Card Sales. Submit a request to compare costs, options & rates for Business Loan from multiple lenders. Free, no obligation.
Request Quotes | Compare Lenders | Get Cash Now!
www.AllOptions.com
Unsecured Business & Start-Up Business Loans
From $10,000 - $250,000. No Assets or Documentation Necessary! Well Qualified Credit and No Bankruptcies.
Business Loans | Our Loans | Apply Now
www.LibertyUnsecured.com
American Express Business
Spend $1,000 by 10/31/08 and Earn a Free Domestic Round-Trip Flight
www.americanexpress.com/business
Need A Business Loan?
Reach Over 290 Lenders w/ One Easy Form. Explore Our Loan Network Now!
www.iBank.com/businessloans
Business Loan in 72 Hours
Guaranteed Loan Response. 80% Approval Rate only via Zana Network
www.zananetwork.com/landing /loans
Listings
$10,000 - $350,000 at Small Business Loans.com - No Startups
Unsecured business loans, equipment leasing, factoring, cash advances, and credit lines for small businesses. Pre-approved online forms.
www.SmallBusinessLoans.com (Paid)
Apply for a Business Cash Advance
$250,000 for your business. Must process minimum $4000/month in Visa/MC sales. Totally unsecured. Funded within 7 business days.
www.capitalbridgefunding.com(Paid)
B2B Business Loans to Grow Your Business
Do You Qualify? No Real Estate/Construction, No Mortgage, No Startup. B2B Only-No Consumer Sales. $1 Million in Annual B2B Sales in USA is Required.
SmallBusinessFinancingSite.com (Paid)
Bank of America: Small Business Loans
Offers a variety of loans, liens and leasing options for businesses.
www.bankofamerica.com
Business Cash Advance
Get Advance up $250,000, No Fees or Penalty for extended Payback!
www.allmerchantsolutions.com(Paid)
Business Cash Advance - Business Loans
Business Cash Advance of up to $200,000 on Visa/MC sales. Call today.
Apply Now | Cash Advance | Business Loans
AmeriValue.com (Paid)
Business Finance
Commercial finance firm offering Business Finance. Financing solutions designed to serve your specific needs. Contact us today!
About Us | Products Offered | Industries Served | Contact Us
www.capitalsource.com (Paid)
Business Loan
Up To $250,000 Business Financing! Repay With Your Future Credit Card Sales. Must accept CC's.
www.americancapitaladvance.com (Paid)
Business Loan Alternative - Business Cash Advance
Apply online for an unsecured business cash advance. When your bank says no, we say yes. Visa/MC Sales Required.
Apply Now | How It Works
RapidAdvance.com (Paid)
Business Loan Quotes - Must Accept Credit Cards
Repay With Future Credit Card Sales. Submit a request to compare costs, options & rates for Business Loan from multiple lenders. Free, no obligation.
Request Quotes | Compare Lenders | Get Cash Now!
www.AllOptions.com (Paid)
Business Loans
ARF places short term, working capital loans for small to medium-sized merchants. Alternative to traditional bank financing or taking on a partner.
www.advancerestaurantfinance.com(Paid)
Business Loans
Don't wait for the bank to reject your business loan application. Get the best alternative to a fast business loan; A business cash advance.
www.fastupfront.com(Paid)
Business Loans For Businesses Over A Year Old
Need Business Credit? Save 50% In Interest Over Other Cash Advance Agencies On A Loan Up To $150k When You Process $3,000/Month In Visa/MC.
Apply Now | Up to $150K
www.ForwardLine.com (Paid)
Business Loans Insurance
Our business insurance helps minimize the risk of facing financial losses due to customer non-payments. Contact us today.
Products | Services | FAQ | Contact Us
www.eulerhermes.com (Paid)
Exclusive Business Loans $10K - $100K
Unsecured Business Loans Exlusively offered to those with verified 700+ FICO/BEACON & low debt. $100K. Sorry - Bad Credit Denied. Apply Today!
Business Loans | Personal Loans | About Us | Contact Us
AfsLoansOnline.com (Paid)
Get up to $500K in Unsecured Business Credit
2 years in business and 680+ credit score gets you $500K in Unsecured Credit.
www.UnsecuredLine.com (Paid)
iBank
Provides an online commercial lending marketplace for business loans, commercial mortgages loans and equipment lease financing.
www.ibank.com
ING DIRECT: Business Savings Account Official Site
Earn 3.15% APY for your business. Savings with no fees + no minimums. Grow your money while you grow your business. Apply online.
Apply Online
business.ingdirect.com (Paid)
LendingTree
Online lending and realty services exchange that offers users quotes from competing lenders.
www.lendingtree.com
Small Business Administration
Financial Assistance is delivered primarily through SBA?s Investment programs, Business Loan Programs, Disaster Loan Programs, and Bonding for Contractors.
www.sba.gov
Unsecured Business & Start-Up Business Loans
From $10,000 - $250,000. No Assets or Documentation Necessary! Well Qualified Credit and No Bankruptcies.
Business Loans | Our Loans | Apply Now
www.LibertyUnsecured.com (Paid)
Unsecured Business Loan Expert
$10K-$100K. Reward your good credit. Get approved now with no collateral needed.
www.AmOne.com (Paid)
American Express Business
Spend $1,000 by 10/31/08 and Earn a Free Domestic Round-Trip Flight
www.americanexpress.com/business
Need A Business Loan?
Reach Over 290 Lenders w/ One Easy Form. Explore Our Loan Network Now!
www.iBank.com/businessloans
Business Loan in 72 Hours
Guaranteed Loan Response. 80% Approval Rate only via Zana Network
www.zananetwork.com/landing /loans

Guide to Applying for a Business Loan from a Bank

What banks need to see before they'll hand over the dough


Every business needs available funds to operate, whether you're paying for raw materials or expanding into new markets, but banks and other financial institutions won't just hand over money because you smile nice. You need to show the bank that your business is well-run and well use the funds to achieve your goals. By preparing yourself properly, you can:
  1. Show the bank how the funds will be spent and what level of return you expect.
  2. Prove that you're a trustworthy recipient who has good-standing in the community.
  3. Lay the groundwork for future requests.


Action Steps

The best contacts and resources to help you get it done

Write a business plan You might already have a general business plan that covers everything from the initial store layout to eventual world domination, but the bank wants to see how its funds will improve your business.

I recommend:  Follow these five writing tips from SCORE (Service Corps of Retired Executives) for a business plan that includes everything a banker wants to see, with nothing extra that might be distracting.

Prepare your paperwork The bank will want to know how you're going to repay the loan, which means that you'll need to have your financial documents in order for review. The bank will also review these papers to see how well you've handled money in the past and whether you keep good records.

I recommend:  As this repayment analysis from business incubator Gaebler Ventures explains, you'll need to show personal and business tax returns, personal finance statements and cash flow records.

Know your loans Loans come in many different flavors so ask for the one that works best for you. (Your banker might have a different opinion, after reviewing your records, so take his or her advice under consideration.)

I recommend:  The basic types of loans are term loans (paid monthly), short-term loans (for a year or less), equipment financing, and open lines of credit (in which you take out money as needed up to a maximum amount per year). You can also borrow through Small Business Administration (SBA) loans at regular lending institutions.

Discuss dollars Once the banker feels that your business is a good loan candidate, you'll start to negotiate the details of the loan.

I recommend:  Ask the banker questions about all the topics related to the loan: the amount you'll receive (which isn't necessarily what you wanted), interest, repayment terms, loan fees, restrictions on the funds (such as being used for new equipment and not for labor costs), and your responsibilities as a borrower. Take notes and make sure you understand all of the agreement.

Apply online Ideally you'll apply for (and receive) a loan from a local banker since ties to the community will likely work in your favor. In case that's not possible, you can consider applying for a business loan through an online company.

I recommend:  BusinessWeek, for example, has an online loan application for currently operating businesses that takes only a couple of minutes to complete. The application will be sent to multiple loan suppliers.

Tips & Tactics

Helpful advice for making the most of this Guide
  • Make an appointment with a loan officer in advance. Don't simply walk into the bank with a stack of documents.
  • Approach local institutions first, particularly those with which you currently have accounts. Those banks already have access to your records, so they can possibly review your application more quickly.
  • Don't ask for the moon. Banks often have limits (either dollar amounts or a percentage of your annual revenue) on the amount they'll lend a first-time applicant.


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How-To Guide from WORK.COM

Guide author
By W. Eric Martin
What banks need to see before they'll hand over the dough.
Every business needs available funds to operate, whether you're paying for raw materials or expanding into new markets, but banks and other financial institutions won't just hand over money because you smile nice. You need to show the bank that ... Read more
Loan Type
Your business loan type choices include asset-based loan, commercial mortgage, equipment or lease financing, factoring, line of credit , microloan, SBA loan, and term loan.
  • In an asset-based loan, you offer as collateral inventory, receivables or other assets.
  • Commercial mortgage lenders set your loan amount by the value of the property, and comparing your debt to income.
  • Choose between a loan for equipment or lease financing based on taxes and whether you want to end up owning.
  • Loan factoring companies may buy your accounts receivable for a percentage of their value.
  • Tap a line of credit when you need it. With a revolving business line of credit loan, you repeatedly borrow up to the original limit.
  • Get a business microloan for up to $35,000 from a non-profit group backed by the SBA.
  • Banks can offer a favorable terms on an SBA loan because the Small Business Administration guarantees these small business loans.
  • A business term loan is the basic business loan, with fixed interest rates, monthly payments and a set term.
Purpose
Your business loan purpose choices include business expansion, buy a business, buy a franchise, buy commercial property, buy equipment, construction, debt consolidation, startup funding, working capital.
  • Business expansion loans get you the plant and equipment to grow.
  • A loan to buy a business could be secured by the buyer's house or savings.
  • Find a loan to buy a franchise through banks, specialty franchise lenders or franchisors.
  • Buy commercial property with a commercial mortgage, typically 10 to 15 years.
  • Buy equipment with a loan for up 100% of price. Always compare an equipment loan to leasing.
  • A commercial construction loan may be a mortgage or secured or unsecured business loans.
  • Use a debt consolidation loan to pay off many loans with one lower interest loan.
  • A loan for startup funding will likely use the owner's personal financial assets as collateral.
  • A working capital loan covers general business expenses.
Amount
Your business loan amount choices include less than $50,000, $50,000 to $100,000, $100,000 to $250,000, $250,000 to $1 million, $1 million to $5 million, and more than $5 million.
  • For a business loan less than $50,000, check into the SBA's microloans program, an unsecured line of credit or fixed-rated loan.
  • Business loans $50,000 to $100,000 may be for one year or less and repaid in a lump sum.
  • A business loan $100,000 to $250,000 and $250,000 to $1 million may be long-term, fixed rate or lines of credit or asset-based.
  • Business loans $1 million to $5 million and more than $5 million may be term loans or asset-based with payments pegged to cash flow.
Terms
Your business loan term choices include interest only, minimum years in business, no balloon payment, no early repayment penalty, prime +, unsecured loan.
  • With an interest only business loan, you pay interest charges monthly and repay the principal by the end.
  • Many business loans require a minimum years in business, typically one or two years.
  • Lenders offer long term amortization on short term loans if you'll make a lump-sum payment. Choose no balloon payment business loans to avoid.
  • Lenders may charge a fee if you make business loan payments ahead of schedule - unless there's no early repayment penalty.
  • The prime rate is the starting point for business loan rates. Your rate will be quoted as prime + some percent.
  • An unsecured loan is made on the basis of your company's good credit, not collateral.

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