Asset Loan A short-term loan where the repayment source is the conversion of an asset into cash. Asset Backed Securities Bonds or notes backed by loan paper or accounts receivable issued by banks, credit card companies, or other credit providers. Apartment Building Financing Multifamily finance providers or apartment building financing must have thorough knowledge and awareness of available debt programs and be prepared to quickly analyze financing options. Angel Investor Guide Angel investors provide roughly one-seventh of the 300,000 or more start-up and early-growth firms in the U.S. with some form of funding. Angel Investor Guide Angel investors provide roughly one-seventh of the 300,000 or more start-up and early-growth firms in the U.S. with some form of funding. Acquisition and Develpoment Acquisition and development financing provides you with long-term, fixed-rate financing for major fixed assets. Accounts Receivable Debt which is owed to a company by a customer for products or services provided on credit. Accredited Investor Any director, executive officer, or general partner of the issuer of the securities being offered or sold, or any director, executive officer or general partner of a general partner of that issuer. Certain restricted offerings, limited partnerships, and angel investor networks are open only to accredited investors. Opposite of nonaccredited investor. Account Receivable Funding A convinient way of acquiring working capital by selling the invoice for a product or service that has been rendered. Account Receivables Financing The selling of a company's accounts receivable, at a discount, to a factor, who then assumes the risk of the account debtors and receives cash as the debtors settle their accounts. Account Receivables Factoring The selling of a company's accounts receivable, at a discount, to a factor, who then assumes the risk of the account debtors and receives cash as the debtors settle their accounts. Account Receivable Credit Line Your invoices to your customers for goods delivered or services rendered can be converted into a "credit line" from which you may draw cash to manage your business. Business Finance Firm A company that helps you to manage your business money. Capital For Business Private individuals who take an equity position in your business venture. Capital For Business Private individuals who take an equity position in your business venture. Business Plan Review Reviewing a document prepared by the company, detailing the past, present, and future of their business. Equipment Leasing Firms Equipment lease financing, as opposed to purchase financing, is gaining more and more popularity due to its many advantages. Investor The entity who makes investments. Raw Land Loan Financing for undeveloped, unused land. Land Lease A lease in which only the land is rented. Fund To finance or underwrite. |
Primary Offering
The initial sale of a company's stock.
Permanent Financing
Long term debt or equity financing.
Capital
Money invested in a firm.
Business Lender
Businesses that provide loans to others.
Hard Money Loan
Private lenders and fast cash access.
Going Public
The process of an initial public offering.
Business Finance
managing your business money.
SCOR
Small corporate offering registration.
Cash Advance
A loan taken out on a line of credit.
Financing
Providing the necessary capital.
Hard Money
Private lenders and fast cash access.
Cash Credit
A short-term cash loan to a company.
Funding
Financing or providing funds.
Leaseback
Use your equipment to get capital.
Business Credit Line
The maximum credit that a business is allowed.
Business Finance Company
Companies that lend money primarily to businesses.
Business Plan
A document prepared by the company, detailing the past, present, and future of their business.
Equipment Sale and Leaseback
Equipment sale leaseback is the sale of an asset for cash while the asset remains on the seller's property with a contract to lease the asset back from the source purchasing the asset, and to own the asset at term's end.
Equity
An ownership interest in a company in the form of stock.
Mortgage Broker
An entity that introduces borrowers and lenders for the purpose of loan generation.
Bridge Swing Loan
A form of short-term financing which is expected to be paid back once the borrower obtains more permanent, lower cost financing.
Business Capital
Money used for the investment in a project or company.
Business Financing
Suppling or getting money for your business
Business Funding
Business funding refers to the floating of bonds to raise finance and levels of capital.
Capital Asset
A long-term asset, such as land or a building, not purchased or sold in the normal course of business.
Business Credit
Business credit builds your business. And all entrepreneurs need solid business credit to meet the growing needs of your business.
Business Credit Card
Business Credit Cards are a great way to keep track of and manage all of your company expenses. By keeping your personal and business expenses seperate, preparing your taxes will be much easier.
Business Capital Investors
Private individuals who take an equity position in your business venture.
Business Plans
A document prepared by the company, detailing the past, present, and future of their business.
Business Capital Directory
A resource of information that details the lending and investing criteria of funding sources.
Business Capital Investments
For start-ups are most commonly provided by private individuals. These private individuals, traditionally referred to as angel investors, are interested in contributing their skills and money toward the earliest stages of a company's life-cycle.
Equipment Loan
Equipment loan financing through traditional or non-tradition methods rather than leasing can still be a more sensible route.
Equipment Leasing
Operating leases require the equipment to be returned to the lessor at the end of the lease. Some leases have a $1.00 Purchase Option or a guaranteed purchase amount (usually 10%). Other leases have a "Fair Market Value" purchase agreement where the amount is to be determined.
Business Planning
Preparing a document that details the past, present and future of their business.
Business Model
The description of how a business is going to operate, that typically includes research, marketing, products, revenues and expenses.
Business Loans
Temporary borrowing of a sum of money for your business.
Business Loan Firms
A firms that temporarely lends a sum of money.
Business Loan Broker
A loan made to a company for the purpose of conducting business using an entity which acts as an intermediary.
Business Line Of Credit
An informal loan arrangement between a bank and a business allowing the business to borrow up to a prespecified amount.
Business Leasing
Provides greater flexibility, easier qualifying, cash flow conservation, and many tax advantages. A long-term rental agreement, and a form of secured long-term debt.
Business Information
Centers of business information (BIC) set up by the SBA.
External Financing
Financing through the issuance of debt or equity.
Expansion Financing
Flexible term financing is available for a variety of expenditures.
Find Business Funding
If you try it on your own, you must ... First, know if the funding source offers what you are looking for. Next, know if you have what the funding source is looking for.
First Round Financing
The first investment in a company made by external investors.
Fixed Rate
A loan in which the interest rate does not change during the entire term of the loan.
Finance Company
To raise money through the issuance and sale of debt and/or equity.
Financing Business
Can very easily become a full time job. And if you are like most business owners, time is a valuable resource that is best spent doing what you do best - assuring that your business remains profitable.
Factoring Receivable
The secret to maximizng you cash flow. Receivable factoring is your company's most valuable asset. Why give up any ownership of your company or borrow money long term when you can finance your invoices for immediate cash?
First Round Funding
Turning Vision Into Reality. First round funding or "venture capital" typically follows seed and early stage capital that was used to build the business' full-time management team, develop the business' first saleable product, and demonstrate that the business is very likely to be profitable.
Fixed Rate Commercial Mortgage
Fixed rate commercial mortgage products are mortgages that have a fixed interest rate and payment for the full term of the loan. These loans make it easier to budget, especially over the long term and offer stability across an ever-fluctuating market.
Government Loan Programs
Your key to non-standard credit-scored funding. Government loan programs, specifically the SBA 7(a), are SBA-backed programs that do not use the same criteria as large financial institutions. It is a prevailing misconception that a business needs to be in financial distress in order to qualify for an SBA loan. The truth is, many healthy companies obtain SBA backed financing every day.
Government Business Loan
Government business loan financing can be obtained by applying for an SBA 7(a) loan. Not only is this an SBA backed program, but also these SBA loans offer competitive rates and tend to have longer terms, no points, no balloon payments, terms typically under 15 years and no pre-pay penalties.
Government Small Business Financing
Your source for non-standard credit score funding. Government small business financing through the SBA 7(a) program could be your answer. SBA loans offer competitive rates and tend to have longer terms, no points, no balloons and no pre-pay penalties with terms under 15 years.
Factoring Account Receivable
Factoring account receivable invoices gives your business an advance payment up front. It is a mode of financing that can help free your business from the cash-flow squeeze caused by slow-paying customers.
Export Financing
Loans made for the shipping of products outside a country or region.
Export Financing
Loans made for the shipping of products outside a country or region.
Government Grants
Funding for a non-profit organization, usually for specific research or a specialized project.
Farm Credit Loans
The Farm Credit System is a network of lending institutions providing credit to farmers, ranchers, and producers or harvestors of aquatic products.
Finance Directory
A resource of information that details the lending and investing criteria of funding sources.
Hard Money Lender
Private lenders and fast cash access.
Equity Loan
Equity loan is an investment of financial and human capital in partnership with management to create new opportunities.
Equity Participation
Equity participation deals include clauses and conditions under which the lender shares in the increase in equity of the business.
Equity Financing
Financing by selling common stock or preferred stock to investors.
Factor
A firm engaged in the business of financing accounts receivable, called factoring.
Ground Lease
A building where the land underneath is rented.
Government Small Business Loan
Government small business loan funders provide businesses with much needed capital financing through the SBA 7(a) loan program. We actually make the loans and the SBA guarantees them. It is important to understand that the SBA has no funds for direct lending or grants.
Factoring Government Reveivable
Factoring government receivable invoices is a fairly common practice to avoid cash flow problems for small, growing businesses. One of the main reasons you should sell your invoices for immediate cash is to eliminate the strain of 30, 60, or 90 day pay delays. You need your money now.
Equity Capital
Typically capital raised from owners in the company.
Factoring Invoice
Bring Tomorrow's Money in Today or the selling of an accounts receivable invoice to a "factor" benefits your business with the cash flow it needs.
Government Business Lender
Specializing in small business loans. Government business lender funds provide small businesses with much needed capital financing through the SBA 7(a) loan program. We actually make the loans and the SBA guarantees them. It is important to understand that the SBA has no funds for direct lending or grants.
Forward Commitment
Pledge to provide a commercial loan at a future date.
Finance
To raise money through the issuance and sale of debt and/or equity.
Factoring
The selling of a company's accounts receivables, at a discount, to a factor who then assumes the credit risk of the account debtors. The factor then receives cash from each of the debtors as they settle their accounts.
Nonrecourse Debt
A debt under which the borrower has no personal liability.
Office Equipment Leasing
Office equipment leasing keeps today's dollars working towards tomorrow's success. A law of business says, "Don't put your cash in depreciating assets." Leasing allows you to pay off the equipment as income is earned from its use.
Participation Loan
Participating loan financing is a loan that contains clauses and conditions under which the lender participates in the revenues of the property. The level of participation may be calculated from the gross receipts, net operating income, net income or net cash flows of the property.
Participating Mortgage
Participating mortgage is a loan that contains clauses and conditions under which the lender participates in the revenues of the property. The level of participation may be calculated from the gross receipts, net operating income, net income or net cash flows of the property.
Heavy Equipment Financing
Traditional and non-traditional lending. Heavy equipment financing by means of a traditional or non-traditional loan can still be a more sensible route than a lease.
Import Export
The SBA supports export financing to small businesses when financing is not otherwise available on reasonable terms. The program encourages lenders to offer export working capital loans by guaranteeing repayment of up to $1 million or 90 percent of a loan amount, whichever is less.
Heavy Equipment Leasing
Gaining momentum. Heavy equipment leasing is gaining more and more momentum as business owners are leaving behind misconceptions and beginning to understand the benefits.
Import Financing
Import and export financing provides importers who have orders from customers in the United States, or foreign customers backed by a letter of credit, with the necessary financial backing to provide their overseas supplier with a letter of credit to guarantee payment of goods.
Income Property
Real estate developed or bought for the purposes of generating income.
Industrial Equipment Financing
To be competitive today you must be able to move quickly, produce a quality product, and meet demanding delivery schedules. While a lease can address these needs, a traditional or non-traditional loan may still be the better way to go
Hotel Financing
Purchase or refinance your hotel or motel.
Institutional Financing
Financing provided by an institution, as opposed to individual investors.
Intangible Asset
Something of value that cannot be physically touched, such as a brand name, franchise, trademark, or patent
Intellectual Property
Any intangible asset that consists of knowledge or ideas.
Import and Export Financing
Import export finance programs are supported by the SBA and exist to aid the financing of small businesses engaged in importing and exporting of goods. These programs have helped many small businesses over the years obtain financing when other loan programs are otherwise not available on reasonable terms. The program encourages lenders to offer export working capital loans by guaranteeing repayment of up to $1 million or 90 percent of a loan amount, whichever is less.
Interest Rate
Interest per time, divided by principal amount, expressed as a percentage.
Mortgage Debt
A debt created by a mortgage and secured by the lien property.
Mortgage Lien
A legal claim against a mortgaged property that must be paid or assumed when the property is sold.
Mortgage Loan
A loan to finance the purchase of real estate, usually with specified payment periods and interest rates.
Open End Credit
An agreement by a lender to lend a specific amount to a borrower and to allow that amount to be borrowed again once it is repaid.
Office Equioment Financing
Office equipment financing with a lease just makes more sense than buying. Leasing gives you financial flexibility, helps address changing technology needs quickly, and may offer tax advantages as well.
Operating Lease
The lessor handles all maintenance and servicing for the property that is leased.
Municipal Equipment Leasing
State governments and agencies,County governments and agencies, City governments and agencies, Other public entities funded by state and local taxes.
Interim Financing
These loans range from 6 months to 5 years with the most typical term being 3 years.
Mortgage Note
An agreement that offers a mortgage as proof of the debt and defines the terms under which the mortgage is to be repaid.
Paid Capital
Capital the company received from investors in return for stock.
New Business Financing
New business financing has become more than just a task, but also an art and science. If you are like most businesses, it is a long, hard and tough road to go with never ending rejections. We know what it's like and have now made what was once complicated, very simple. Using our "Coach Ben" easy business credit qualifying system, you can now get that unsecured business equipment financing loan.
PIPE Investments
PIPE investments (Private investment in public entity) take a sizable position in publicly traded companies whose valuations have dropped since they went public and now are seeking new sources of cash infusion.
Institutional Investor
Entities with large amounts of money to invest, typically investment companies, mutual funds, insurance companies, pension funds, and investment banks, etc.
New Business Credit Card
New business credit card accounts come in many shapes and sizes. For this reason, it's important that you choose the card that fits best with your business needs.
Initial Public Offering
The first sale of stock by a company to the public.
Outside Financing
The issuance of debt or equity from a source outside of the company.
Off Balance Sheet Financing
Financing from sources other than debt or equity offerings, such as joint ventures, R&D partnerships, and operating leases.
Reverse Merger
Reverse merger transactions are an alternative means for a private company to go public. A necessary component to a completed reverse merger transaction is the public shell. The public shell is a publicly listed company with no assets or liabilities. It is called a "shell" considering all that exists of the original company is its corporate shell structure. By merging into such an entity, a private company becomes public.
Revolvong Collateral
A loan where the collateral is constantly changing, typically accounts receivable or inventory.
Revolving Line of Credit
An agreement by a lender to lend a specific amount to a borrower, and then allow that amount to be borrowed again after it has been repaid.
Private Investor Capital
Private investor capital is capital invested by private individuals into your business venture. They contribute their skills and money to start-up companies. Typically these private investors are successful entrepreneurs that offer their expertise, experience, and contacts which is invaluable to your new venture.
Private Funds
Funds available in the private market without government support or guarantee.
Private Investment Placement
Private investment captial, also known as the Rule 506 Regulation D Offering, is an exemption under the Securities Act of 1933. It provides excellent an opportunity for your public or private company to complete a private placement offering for the capital necessary to continue growing. This offering allows you to expand operations, create a more economically efficient business operation, or create an entirely new business enterprise.
Risk Capital
Funds made available for startup firms and small businesses with exceptional growth potential.
Private Equity Investments
The most important funding source in the entrepreneurial marketplace. Private equity investments are usually derived from a high net-worth individual who represents an essential source of funding for early stage, high-risk ventures. It is estimated that one-seventh of the 300,000 + start/early growth firms in the US receive funding from angel investors. This translates into over $20 billion of investment in approximately 50,000 deals each year. This investment group exceeds venture capital sources which are estimated at $5 - $7 billion spread over 1,000 venture capital investments each year.
Private Placement Investment
Private placement investment offerings, to structure one properly for your company will require assistance to assure conformity to the Rule 506 Exemption, Regulation D Private Placement Offering statute.
Private Investment in Public Entity
Private investment in public entity (PIPE investments) take a sizable position in publicly traded companies whose valuations have dropped since they went public and now are seeking new sources of cash infusion.
Pro Forma
The adjustment of accounting records to provide a historic description of the development of the Group's current structure.
Private Capital Investors
Private capital investors refers to private individuals who contribute their skills and money to start-up companies. They often work in groups to improve the efficiency of their due diligence and to allow them to complete larger deals. The most important considerations to the investor's decision are the personal characteristics of the entrepreneur and the market-product potential of the business.
Receivable Financing
Receivable financing - or having the power to sell accounts receivable invoices to a "factor" to address your business's immediate cash flow needs has many advantages.
Pure Lease
An equipment lease in which the lessee does not have purchase or renewal rights.
Purchase Order Factoring
Sometimes called "contract funding", is usually required during times of growth and expansion when cash flow reserves become insufficient. Your suppliers want you to pay C.O.D. and your buyers want to pay you on net 30 - 60 day terms. This means there is no incoming cash during manufacturing while the goods are in transit, and until the invoices have matured.
Reverse Acquisition
A technique used by a private company to go public without the regulatory requirements of an initial public offering.
Public Offering
The making available of a new securities issue to the general public.
Private Equity Investors
Private equity investors are private individuals who contribute their skills and money to start-up companies. Typically these private equity investors are successful entrepreneurs that offer their expertise, experience, and contacts which are invaluable to your new venture.
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