Creative Funding by Design
OUR MISSION
Our Mission is assisting clients with a FREE service to make a smart sound lending decision through a professional relationship based on uncompromising integrity, trust, and personalized service.
We accomplish this mission by offering a free comprehensive overview of the funding strategies which enables our clients to prioritize and obtain the capital to start and grow their business.
HELPING YOU PLAN FOR TOMORROW… TODAY
Whether you’re looking to build a business from the ground up, purchase an existing business or a franchise, achieving the right business loan will be one of your most important and difficult challenges. Knowing your options and choosing the best funding strategies is vital to growing your business.
Sufficient working capital is a key aspect of any new and or existing business' financial health. Not having enough operating capital can have a serious impact on the future of your business.
Business owners have many options including obtaining a loan or raising venture capital funding. But what happens when these are not options for you?
The goal of our comprehensive overview is to learn more about you and help identify which funding options would best suit the type of business you’re considering.
Funding Strategies
ROBS
(Rollover For Business Startup)
DID YOU KNOW YOU CAN FINANCE YOUR BUSINESS WITHOUT DEBT!
Since the Retirement Income Security Act law in 1974, Entrepreneurs have accessed their 401(k), traditional IRA, SEP, 403(b), Keogh, or TSP accounts to invest in their own business. The ROBS (Rollover for Business Startup) allows you to access all or a portion of your retirement funds to acquire or grow a business; without paying early withdrawal penalties, taxes, and without having to worry about business debt and interest payments.
It’s a common misconception that you can only use your retirement plan to purchase investments like publicly traded stocks, bonds or mutual funds. In reality, you can use most retirement plans to buy a business or franchise. This strategy can also be used to get into business with no debt or use for the cash injection for an SBA Loan.
SBA Loans
WHICH SBA LOAN IS RIGHT FOR YOUR BUSINESS?
The SBA doesn’t loan money directly to small businesses. Instead, the SBA works with intermediaries to provide low-interest loans with competitive terms to small businesses and startups. These intermediaries could be traditional banks, private lenders, credit unions, or even nonprofit organizations.
The SBA offers several loan programs Let’s explore the different types of SBA loans to determine which best fits the needs of your small business or startup.
TERM LOAN PROGRAMS
EXPERT GUIDANCE
Term A loan allows for quick access to the cash you need to launch your business while providing you with the flexibility to spend the money when and how you want.
These funding programs were designed to provide new entrepreneurs with the startup capital necessary to develop a prospering business and ensure working capital is available for guaranteed, long-term success. Moreover, both loan options can be secured simultaneously. These funding programs work well in conjunction with the ROBS Plan (Rollover for Business Startup).
