714-904-1814
MPB CAPITAL CONSULTING GROUP, INC.
Financial Solutions for All Businesses Nationwide
Choose the right Business Loan Option for you. We match your financial needs with the loan of your choice. Some of our available packages include: Business Lines of credit, SBA loan, Term Loan, Equipment Loan, Unsecured Bank Loan (better than Merchant Cash Advance) and more.
MPB CAPITAL - "We're the Better Choice"
Business Loans - Revolving Lines of Credit - Interest-Only Loans
Some of the programs offered by our partners, are bank loans that you can acquire fast without collateral and with limited paperwork. What does that mean for you? Interest is tax deductible, rates are fixed, you know all the terms ahead of time. Get the financing you need rapidly, with payments that won't increase as revenue grows. We will look at industry (we have a list), credit score-551 or higher, own your business open and operating for at least one month (30 days), generate minimum $17,000 per month in sales ($200,000 annually) from both credit card and cash.
Here are the options of the above bank loan programs you can acquire fast
* Loans/Lines from $5,000 to $1,000,000
* Collateral is not required on amounts up to $725,000
* Flexible terms up to 36 months
* There is very little paperwork
* Approvals are normally granted within 48 hours
* Fundings in a little as 3-5 days
* Repayment is not tied to your credit card transactions
* The interest is tax deductible
* We offer early payoff options
INNOVATIVE LOAN PRODUCTS
BUSINESS LINE OF CREDIT / TERM LOANS / WORKING CAPITAL LOANS WHAT IS A BUSINESS LINE OF CREDIT?
A business line of credit is a flexible type of loan that allows a business to borrow money up to a predetermined limit set by the lender. Unlike a traditional term loan where you receive a lump sum upfront and repay it over a fixed period with interest, a line of credit allows you to draw funds as needed, repay them, and then borrow again up to the approved limit.
Key features of a business line of credit include:
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Revolving Credit: Similar to a credit card, a line of credit revolves as you repay the borrowed amount. As long as you repay what you borrow within the terms (typically weekly/monthly), you can borrow again up to the limit.
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Flexibility: Businesses can use a line of credit for various purposes, such as managing cash flow fluctuations, covering short-term expenses, purchasing inventory, or seizing opportunities for growth.
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Interest on Borrowed Amount: Interest is typically only charged on the amount you borrow, not on the entire credit limit. This can make it more cost-effective than a term loan for short-term financing needs.
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Renewable: Lines of credit are often renewable annually or after a specified period, assuming the business remains in good financial standing.
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Collateral and Terms: Depending on the lender and the creditworthiness of the business, a line of credit may require collateral or be unsecured. Interest rates and terms vary based on factors like credit history, business performance, and the lender's policies.
In summary, a business line of credit offers businesses flexibility and quick access to funds when needed, making it a valuable financial tool for managing day-to-day operations and seizing growth opportunities.
LINE OF CREDIT ADVANTAGES
A business line of credit offers several advantages to businesses compared to other forms of financing:
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Flexibility: One of the primary advantages of a line of credit is its flexibility. Businesses can draw funds as needed, up to the approved credit limit. This flexibility allows them to manage cash flow fluctuations, cover short-term expenses, seize opportunities for growth, or address unexpected emergencies without having to go through the process of applying for a new loan each time.
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Cost-effectiveness: Lines of credit can be more cost-effective than traditional term loans for short-term financing needs. Interest is typically only charged on the amount borrowed, not the entire credit limit, which can result in lower overall costs when managed properly.
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Quick Access to Funds: Once approved, businesses can access funds quickly and easily, often through online banking platforms or checks provided by the lender. This rapid access to cash can be crucial in situations where immediate liquidity is required.
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Builds Creditworthiness: Proper use and repayment of a line of credit can help build a business's creditworthiness. Consistently making timely payments and effectively managing the line of credit demonstrates financial responsibility to lenders and can improve access to future financing options.
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Emergency Backup: A line of credit serves as a financial safety net for unexpected expenses or revenue shortfalls. Having access to a predetermined credit limit can provide peace of mind and help businesses navigate through challenging times without disrupting operations.
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Opportunity for Growth: Businesses can use a line of credit to take advantage of growth opportunities such as expanding inventory, launching marketing campaigns, hiring additional staff, or investing in new equipment. This flexibility can support strategic initiatives that contribute to business expansion and profitability.
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No Penalty for Early Repayment: Unlike some term loans that may have prepayment penalties, lines of credit generally do not penalize businesses for repaying the borrowed funds early. This flexibility allows businesses to manage their finances according to their cash flow needs.
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Overall, a business line of credit is a versatile financial tool that provides businesses with the flexibility and liquidity they need to effectively manage and grow their operations. We have many lenders-here are some of their options:
EXAMPLE: BUSINESS LINE OF CREDIT - OPTION NUMBER 1
Our regular line of credit quickly puts up to $750,000 at your fingertexts. Use the funds as needed and only pay for what you borrow. The initial line can be approved in 24-48 hours, with 24-hour access to 5 separate loan drafts over the next 6 months. Even without an immediate need, business owners are establishing lines of credit now. Being prepared is smart. Business owners know opportunities and/or issues can arise quickly and having committed working capital at the ready allows them to be prepared for the unexpected!
EXAMPLE: BUSINESS LINE OF CREDIT - OPTION NUMBER 2
A new addition to the product line, the ultimate revolving line of credit which addresses the #1 concern of business owners everywhere who require the flexibility to access capital at a moment's notice, while keeping their cash flow stable. How? by providing the highest approvals (up to $1,000,000), a fixed rate loan term (up to 36 months), and a fixed weekly payment; also the flexibility to pay down or borrow additional funds on an unlimited basis. You decide when you want to borrow, how much you want to borrow, the amount of your payment, and how long to keep the line open. You are in complete control based upon your business's unique needs that may change over time. Also provides early payoff without penalty anytime during the loan.
EXAMPLE: BUSINESS LINE OF CREDIT OPTION NUMBER 3
Interest-Only Revolving Line of Credit gives you the power to do more! Whether its financing a new location, new equipment, an expansion project, higher labor costs, or investing in new technology, this is your solution. With LOW interest-only payments for up to a year and approvals in 24-48 hours on amounts up to $1 million, this revolving line of credit is unmatched. The 11-month revolving period gives you the flexibility to draw funds and pay down your principal balance as often as you need. Couple that with the fixed terms up to 3 years and this Line of credit becomes a powerful tool for business growth and increased profitability.
EXAMPLE: BUSINESS LINE OF CREDIT OPTION 4 - ASSET-BASED LOC'S
Revolving lines of credit secured by:
Accounts receivable -
*Lines from $50,000 to $5,000,000
*Get cash now for invoices due 30, 60, 90 days out
*Up to 85% advance rate renewable one-year term.
Inventory-
*Lines from $50,000 to $5,000,000
*Most non-perishable inventory qualified
*Up to 50% advance rate renewable one-year term
Why asset-based LOC Financing?
*Expand or acquire a business
*Receive your funds in weeks
*Competitive Interest Rates
*Less rigorous underwriting and quicker turnaround time compared with
conventional financing
*Use funding for working capital, meeting payroll, pay taxes, or other
operational needs
TERM LOANS - LENDING SOLUTIONS ON YOUR TERMS
We Make Business Financing Easier
Our lenders address both short-and long term funding needs by combining multiple financing products into a single solution. We help you maximize funding by helping your business find areas to grow, cut costs, and minimize risks. Here are some of the Term Loans options:
*Loan sizes from $1,000 to $15,000,000
*Payback terms from 5-25 years
*Limited or no repayment penalties
FUNDING THAT HELPS YOU GROW
*Expand or acquire a business *Increase Cash Flow
*Invest in marketing or ecommerce *Purchase owner-occupied real estate
*Increase working capital *Open a New Location
*Purchase inventory or equipment *Leasehold Improvements
*Refinance existing business debt *Renovate owner-occupied real estate
With all the Lenders we have available for our clients, they all operate differently this is why we speak with you first, discuss what your needs and goals are, then how you operate. How long you have been in business, are you a new business (a startup) or are you a stable and mature business. All of these characteristics will provide us the options available for you and your business.
WORKING CAPITAL LOANS
The Working Capital Loan is ideal for business owners who are being forced to scale back operations or cut neccessary business activities because of an unexpected dip in cash flow. Are you weathering periods of lower sales trying to ramp up for a busy season ahead? When you feel cash is tight and your business lacks the funds necessary to keep everyday operations running smoothly. The goal is to give your business the boost it needs to get back on tract by providing quick access to the restaurant/small business financing you need to overcome these short-term challenges while gaining momentum for long-term success!
WHAT IS ONE OF OUR LENDERS WORKING CAPITAL LOAN?
A working capital loan is a financial product designed to help restaurant and small business needs without the long wait of a traditional bank or the hidden fees and payment surprises of a merchant cash advance. Our approval process is streamlined with minimal documentation, and funding can occur in a matter of days! Our loan terms are fixed so your payments won't fluctuate and the interest you pay is tax deductible, further lowering your cost of funds. If you're looking to infuse your business with cash quickly, the working capital loan is just the thing you need!
BENEFITS OF OUR LENDERS WORKING CAPITAL LOAN
* The financing provided by our partners is a true bank loan not a merchant cash adavance
* That means payments are fixed and won't go up when credit cards sales increase.
* Limited paperwork
* The working capital loan provides longer repayment terms-up to 36 months.
* Apply here online and get approved fast with fundings in less than a week.
* All the loans come with 24-hour access to a renewable line of credit.
* The interest you pay is tax deductible, furhter lowering your cost of funds.
* There are no hard credit pulls so your credit score won't be affected.
* Less than perfect credit is not a barrier to get approved.
FLEX PAY LOANS / INTEREST ONLY FLEX PAY LOANS / BRIDGE FINANCING
Borrower Now, Grow Now, Pay Later - That's the Power of Flex Pay!!
Defer Up to 50% of Your Loan Principal for the Lowest Payment Now
FLEX PAY LOANS
Many merchants simply don't dream big because they belive they can't afford to borrow the funds they need. Flex Pay solves that problem. Our partners Flex Pay Loan allows you to defer up to 50% of your loan principal into the future, resulting in dramatically lower loan payments now! Things like renovations, remodels, additional locations, equipment purchases, and partner buyouts are not out of reach. Not any more! The Flex Pay loan is the perfect solution to fund your project, get it completed and begin earning a positive return on your investment now without the stress to your cash flow! Flex pay also has a unique early pay off options designed to minimize your interest costs. Couple this flexibility with the 6-month Line of Credit and the Flex Pay solution becomes even more powerful!
Our partners have long had the most aggressive interest-only product in the marketplace, their Interest Only Loan. Well, they decided to make it even better. They believe growing your business shouldn't mean sacrificing your cash flow, and with their new and improved Interest-Only Loan it doesn't have to. Now you can quickly access loan amounts from $50,000 to $750,000 with low, interest-only payments for up to a year. Even better, it also carries a Line of Credit with unlimited draws for up to a year. After the interest-only period, you have the option to pay the principal, or they have created the perfect safety net - a built-in rollover amortization up to 2 years. With flexibility like this you can truly borrow with confidence.
* The minimum initial loan amount to begin the interest-only period is $50,000 (down from $150,000).
* Pay only the interest for up to 1 year (52 weeks) with a built-in safety net rollover amortizing loan option up to 2 years (104 weeks).
* The product will now carry a line of credit available for their entire interest- only period (26, 40 or 52 weeks). The credit line will be issued for the difference between your max loan approval and your initial loan amount
taken.
* During the line of credit period, you may take unlimited *draws of $25,000 or more up to your maximum loan approval amount.
* You can even take your initial loan amount via several draws on consecutive business days to allow ease of early payoff when funds become available.
The minimum first draw is $50,000 with unlimited subsequent draws of
$25,000 or more. Each IO Loan (or draw) will have minimum finance charges
due for the entire interest-only period upon early payoff.
WHAT IS A BRIDGE LOAN?
Financial Business Loan
Maximum Loan Size $1,000,000
Average Loan Size $120,000
Max Repayment Term 36 months
Average Repayment Term 23 months
Merchant Cash Advance
Maximum Loan Size $150,000
Average Loan Size $20,000
Max Repayment Term 12 months
Average Repayment Term 8 months
Size Matters!
Larger Loan Amounts, Longer Terms & Big Rewards
We Make It Simple
Just 3 easy steps to Start the loan process
Step 1
Submit your Information! Its quick and easy. Schedule your FREE, no obligation consultation now to discuss the loan options you want.
Step 2
Provide documentation for loan submission to our lender partners, once we have discussed which loan option is the right one for you/your company.
Step 3
Your loan in process, moves to loan approval- your on the way to funding the loan option you chose for your business to prosper.
