SBA Loan Program

Get Your Small Business Up and Running

1st American Commercial Lending is here to help turn your business dream into a reality. We can help finance a number of businesses and will do everything we can to make sure that your small business loan is processed as quickly and efficiently as possible. For your benefit, we also make sure that we operate by SBA, the Small Business Administration, standards.

Real Estate Financing

If you are looking for a way to purchase real estate for your business, we can supply you with funding for:

  • Convalescent hospitals
  • Motels/Hotels
  • Automobile repair shops
  • Non-conforming properties
  • Automotive dealerships
  • Restaurants
  • Veterinary care hospitals
  • Business Acquisition Loans

If you already have an established business but are looking to acquire a new business, we can help you with that as well. We will use your management abilities as well as your current flow of revenue as our main indicators. Your loan with have terms up to 15 years, 80% financing and will be up to a million dollars every year. 1st American Commercial Lending provides business owners with fully amortized loans that won’t balloon. You will not have to worry about a pre-payment penalty, and can be pre-qualified within 48 hours.

Equipment Financing

We can also help you out if you need to procure business equipment. Specifically, we specialize in:

  • Trucking
  • Machine tools
  • Commercial binding and printing
  • Manufacturing equipment
  • Diagnostic equipment
  • Medical equipment
  • Dry cleaning/Laundry
  • 7(a) Loans

Make us your first choice if you’re in need of long-term permanent financing for your small business. We make sure that all of our loans are made through the SBA guaranteed loan programs.

Qualifying Properties

Nearly every single type of for-profit business qualifies for a business loan with 1st American Commercial Lending. In order for commercial real estate properties to fully qualify, they have to be at least partially occupied by the person who will be applying for the loan. We will also base your eligibility on SBA size standards.

Equipment Leasing

Options for Leasing or Financing Your Equipment

At 1st American Commercial Lending, our team of certified experts is always looking for new ways to help business owners make the most of their financial resources. When it comes to acquiring business equipment, we have developed several unique programs to help you with obtaining what you need, regardless of credit rating, at a more manageable cost.

Why Lease Your Equipment?

Many of us are taught to believe that ownership is always a more stable and fiscally responsible choice than leasing, but when it comes to your company equipment, this isn’t necessarily the case. In fact, the vast majority of American businesses lease all or at least a portion of their equipment. Here are a few of the many benefits to equipment leasing:

  • Substantial accounting perks; no confusing depreciation schedules to have to deal with when you file your taxes
  • No more worrying about purchasing equipment that may become obsolete
  • Preserve lines of credit for other business needs or emergencies
  • Equipment for Startups

Have a fantastic business idea, but lack the resources necessary to purchase the equipment you require to get it going? If you have just started your company recently, or your existing company has only been around for a couple of years, 1st American has a program specifically designed for you.

Sales & Leasebacks

With 1st American’s unique leaseback program, you can access the equity in the equipment you already own. We will purchase your equipment from you and then lease it back to you over time while you make payments. Once repayment is complete, ownership is transferred back to you.

Let’s Get Started

Ready for new equipment? Want cash from existing equipment? Give 1st American Commercial Lending a call to learn more!

Accounts Receivable Financing

Accounts Receivable Financing Options

Have you missed a time-sensitive business prospect or special vendor discount because of your outstanding customer invoices? It can be frustrating to watch opportunities come and go because you do not have enough capital to take advantage when they occur. If you are tired of getting stuck in a holding pattern while you wait for your customers to pay you, Accounts Receivable financing may be exactly what you need.

No New Debt

Unlike most business financing options that require you to take on extra debt, A/R financing merely allows you the ability to sell off an asset—your unpaid receivables. In exchange for a competitive discount, 1st American Commercial Lending will purchase your unpaid invoices. Not only does this free up extra cash, but there are numerous other benefits to financing receivables:

  • Lightning fast capital—often in 24 hours
  • No fixed payments
  • Credit insurance offered
  • Avoid arbitrary loan boards and never-ending bank paperwork
  • All credit ratings considered—your customers’ credit is what matters
  • Zero liability if your customer fails to pay
  • Flexible Freedom With 1st American Commercial Lending

With A/R financing, you can stop worrying about collecting your payments and get back to the business of growing your company—whether that entails taking on a large new account, expanding, purchasing discounted inventory, or funding payroll during slow months. Contact 1st American today to get started.

Commercial Real-Estate Financing

1st American—the Commercial Real Estate Finance Experts

If your business is ready to acquire, refinance, or rehabilitate commercial real estate, 1st American Commercial Lending has you covered. We Specialize in Office Buildings, Retail/Restaurant, Industrial, Multifamily, Tenant Improvements (TI’s) and Commercial Land.  Allow us the privilege of working with you to help your company flourish!

Mezzanine and Equity Financing

Equity financing refers to selling shares in exchange for capital, while mezzanine financing is a mix of equity and debt financing. 1st American Commercial Lending has long-standing relationships with high net worth investors and other capital sources to help expedite your approval.

SBA 7a and 504 Loans

SBA 7a and 504 loans are available for flagged hotels, non-flagged hotels, and owner-occupied buildings. With fixed repayment terms and low rates, these are often an excellent option for commercial property financing.

Construction Financing

Many lenders have all but forgotten about commercial construction financing—1st American is not one of them. We are proud to continue offering construction financing for qualifying commercial projects.

Conventional Programs

Last but not least, our conventional commercial real estate loans are the perfect solution for owner occupied and stabilized investment properties alike. Examples of properties considered include retail, industrial, self-storage, office, mobile home parks, and hotels.

Call 1st American Commercial Lending

Our team of commercial lending experts would be pleased to discuss the specifics of any of our programs with you—please get in touch with us today!

Contract Financing

Getting Your Contract Financed

By monetizing your contract through 1st American Commercial Lending, you are able to utilize the maximum amount of capital possible from a contract that you either are currently in negotiations with, or that you have already secured and are ready to move forward on. This unique program allows you to start your project faster and more efficiently, without having to wait on your client to incrementally repay you over years or decades.

Benefits of 1st American’s Contract Finance Program

This is a particularly great commercial program for new companies that have very limited capital reserves. In many cases, banks and other lenders are unable or unwilling to lend to businesses of this nature, which makes taking on new projects difficult or impossible. With contract financing, you no longer have to worry about where the money is going to come from to get things up and running.

Industries

Financing your contract can be an excellent option for a variety of industries. Here are just a few examples:

  • Banking hardware and software
  • Communications
  • Consumer and commercial computer systems
  • Education
  • Food processing
  • Healthcare
  • Municipal and other various government agencies
  • Recycling and other “green” industries
  • Retail
  • Technology
  • Water purification
  • Franchise Financing
  • Franchise Financing
  • Financing for Franchise Owners

Starting or expanding a franchise can be a rewarding experience, but the capital required for most profitable franchise chains can be substantial—and out of the question for many individuals to raise on their own. Furthermore, if you are a first-timer when it comes to opening a franchise, many banks will immediately reject your application for business financing based on that fact alone.

About Our Franchise Programs

At 1st American Commercial Lending, we believe that financing should be available for all qualified borrowers to help their franchises develop the way they want and need. We have established a highly specialized and flexible commercial lending program specifically for franchise owners and would-be owners.

Franchise Financing Highlights
  • Low, very competitive rates
  • Fast closing times means quicker access to the money you require
  • No more jumping through endless hoops at the bank trying to get approved
  • Preserve other sources of capital for future franchise needs
  • Funds can be used for opening a new franchise, expanding an existing one, or renovating a franchise building
  • First time franchise owners are encouraged to apply
Learn More

If you would like to learn more about 1st American Commercial Lending’s financing just for franchises, please give our team a call. We would be happy to provide you with a free, no-obligation analysis of your franchise startup or existing franchise’s financial needs, as well as answer any questions.

Health Care and Medical Financing

Specialized Financing Programs for Medical Professionals

If you have turned your love of helping other people into a career in healthcare, we at 1st American Commercial Lending appreciate all that you do to help make our communities more healthy and safe. Unfortunately, opening or expanding a healthcare practice can be expensive, and many medical professionals simply do not have enough capital to handle things independently. That is why we offer unique healthcare financing programs tailored to professionals like you who wish to acquire a new practice, buy out an existing partner, expand, or renovate.

1st Commercial versus Bank Loans

Many banks will dictate exactly how the funds they lend shall be spent, which means you can still find yourself struggling with bills or other financial problems even after your funding has been approved. Our healthcare programs, including working capital and equipment financing options, allow you to spend the cash how you wish—to grow your practice, make equipment purchases, for personal needs, and more.

Consolidate Debt

Debt can undermine even the most successful of healthcare practices. If you would prefer to send out just one monthly check, you should consider debt consolidation with 1st Commercial.

Get Started Now

Ready to launch or evolve your practice? Call 1st American Commercial Lending today to learn more! We would be pleased to answer your questions and provide more details about our programs designed just for you

Merchant Cash Advance

Advance Your Business with a Merchant Cash Advance

Rather than apply for a small business loan, you might be better off securing a merchant cash advance from 1st American Commercial Lending. You want your business to grow and expand, but you might not have the funds to put your plans into action. We are here to offer you the professional financial assistance that you need.

Fund Your Business Projects

Your cash advance will be against your merchant account of a limit up to $200,000 for each of your business locations. In most cases, these advances against all of your future credit card sales will be available within a week or so.

Merchant cash advances give businesses the ability to open additional business locations, further their advertising and marketing efforts, take care of inventory and any other tasks that require cash flow.

Advance Advantages

With 1st American Commercial Lending merchant cash advances:

  • There are no application fees to worry about
  • You don’t have to deal with closing costs
  • Your payments won’t be fixed
  • There is no equity loss
  • You have an advance that’s simple to pay back
  • Grow Your Business

If you have tried applying for a regular small business loan and were turned down, allow 1st American Commercial Lending to help put your business plans back on track. We want your business to succeed and grow just as much as you do, and we have the resources you need to do just that

Mergers and Business Acquisitions

Mergers & Acquisitions Done the Right Way

If you are thinking about merging with another business or acquiring another business, allow 1st American Commercial Lending to help facilitate the deal with acquisition financing. Mergers and acquisitions can be a rather exciting time for businesses, but they have to be done right in order for the new partnership to start off on the right foot. Allow us to guide you in the right direction.

Do What’s Best for You and Your Business

With an acquisition loan, your business will be able to successfully complete an acquisition with the right amount of liquid capital. What sets acquisition loans apart from other types of loans is that there is a better chance of you getting more favorable terms on the loan since the assets that are being bought have an actual value. This is different when compared to the capital that might be needed to fund the release of a new product line or take care of day-to-day business operations.

The financial experts at 1st American Commercial Lending will take a close look at the business that is to be acquired in order that we can get a well-rounded picture of the complete assets so that we can create the perfect financing for you.

1st American Commercial Lending is Your First Choice

Let us know if you are thinking about acquiring or merging with a business so that we can sit down together and explore your options

Private Equity and Joint Venture

Successful Joint Venture and Equity Introductions

1st American Commercial Lending has enjoyed great success in the past when it comes to aiding businesses with joint venture and private equity financing, and we can do the exact same for you. What makes our equity financing so unique is that we have a variety of strategic business partnerships. We also have an abundance of experience when it comes to private investing. Let us help you take your business to the next level.

Our Investment Mandate

1st American Commercial Lending is backed with a varied investment mandate that includes:

  • Management buyouts
  • Recapitalizations
  • Leverage buyouts
  • Corporate divestures
  • Growth capital

It makes no difference what the industry might be, chances are good that we have the quality resources necessary for solid investments.

Intelligent Investments

When making our investments, there are certain qualities that we look for. We prefer to make investments when there is the potential for substantial growth and when a strong management team has been put in place to assist with that growth. We also prefer investments that can generate a positive flow of revenue as well as value. Since investments do not always have the outcome that you hope for, we also like for there to be a clearly defined and well-organized exit strategy to be in place.

Get in touch with one of our knowledgeable representatives for more information about joint ventures and private equity

Project Financing

The Perfect Project Funding Solution

Putting a large project into action requires a lot more than a well-thought out plan and determination, it also requires money. 1st American Commercial Lending offers large project financing to help you get your large projects off of the ground. We are the financing professionals that you’ve been looking for. With our help, you’ll have a personalized solution for your commercial financing needs.

The Right Combination of Experience and Resources

What makes 1st American Commercial Lending so well-qualified for project financing is that we have access to special solutions that traditional banks and other commercial channels do not. While we analyze your project plan, we will pay close attention to your special needs and circumstances in order to create a carefully tailored financing plan.

The financing itself will be determined by your business assets, projections and experience as well as all other special facets of your project. With our capital partners in place, you will have access to practically unlimited funding no matter how high you have set the bar for your project.

Types of Financing

1st American Commercial Lending offers a variety of financing options, including:

  • Debt financing
  • Venture capital
  • Energy financing
  • Equity financing
  • Mezzanine financing

No matter what your large project might be, chances are good that we will be able to help you with financing.

1st American Commercial Lending is committed to helping your business become the success that we know it can be. Allow us to help fund your next big project

Purchase Order Finance Professionals

When you need purchase order financing for domestic, export or import pre-sold merchandise production, you can get the assistance that you need from 1st American Commercial Lending. If you have been in the business industry for a while, then you are probably already aware that obtaining pre-sold merchandise can be one of a business’s biggest challenges. With us on your side, that challenge becomes one that you can easily overcome.

Our Many Areas of Expertise

1st American Commercial Lending has the resources necessary for production finance for business in process as well as Letters of Credit for domestic trade purchase, export and import transactions as well as a variety of other areas for trade finance.

We specialize in assisting wholesalers, resellers and distributors of manufactured products. You don’t even have to be a well-established business. We will be more than happy to work with newly opened businesses and those that don’t have very good profits. We are committed to doing all that we can to help you and your business to grow as much as possible.

Advantages of 1st American Commercial Lending Financing

There are several benefits to choosing 1st American Commercial Lending for your business financing needs. Specifically, for purchase orders we:

  • Give businesses the ability to thrive and flourish without the burden of mounting bank debt or having to sell equity
  • Improve market share
  • Make sure deliveries are made in a timely matter to out customers
  • Help companies to improve their profits through larger orders
  • For more information about business financing for purchase ordering, contact us today.
  • Bridge and Hard Money Loans
  • Bridge and Hard Money Loans
  • Bridge and Hard Money Loans With 1st American

If you do not have enough capital to launch your company’s next big project without outside assistance, but you are playing the waiting game for your loan to go through before you can move forward, you are needlessly delaying your business. There are loans designed to help bridge the gap between when your project is approved and when your permanent funding hits your bank account. Appropriately referred to as bridge loans, they are designed to be temporary in nature; repayment plans typically range from several weeks to a couple of years, depending on the business and the project.

Bridge Versus Hard Money

Bridge and hard money loans are both short-term in nature, but there are differences between the two. A bridge loan helps facilitate a shorter wait period before you can begin work, while a hard money loan is an asset-based secured loan based on the value of a particular piece of real estate. Companies that have had difficulties acquiring other means of financing for one reason or another, or those that are in financial distress can often utilize hard money loans.

Next Steps

1st American Commercial Lending can help you evaluate whether a bridge or hard money loan is a viable option for your business. We rely on our extensive commercial lending experience to help guide your company toward a brighter financial future. Please contact us to learn more today!

Unsecured Business Lines of Credit

Collateral-Free Lines of Credit

The days of needing collateral in order to qualify for a line of credit are over now that 1st American Commercial Lending is here. We offer unsecured business lines of credit for individual lines of credit as well as small business credit card options. Let us help you and your business to expand and become bigger and better than ever.

What You Qualify For

The amount that you will qualify for with your unsecured line of credit will be determined by your credit profile as well as the size of your business and how profitable it is. If yours is a start-up business that has yet to establish revenue and the partner or owner has a good credit file, there’s a good chance that you can qualify for a line of credit anywhere from $25,000 to $100,000.

Companies that are more established and have a cash flow of one million to ten million can expect a line of credit falling between $100,000 to $500,000 without needing collateral as long as they properly qualify with their credit and financials.

Currently, 1st American Commercial Lending does not offer “subprime” unsecured line of credit, so either you get good rates or your application will be denied.

To learn more about our quick no-obligation pre-qualification for unsecured lines of credit, feel free to get in touch with one of our representatives.