Working Capital Loans – Business Loan $5k to $500k

Often a merchant or business cash advance against future sales is how to get money for your business. Many business owners and merchants caught in a cash flow crunch find a working capital loan (a type of business loan where the loan is based on future sales) is the ideal solution for their cash flow needs.

Announcing a new Express Working Capital Loan Program, with a streamlined application and funding process for loans from $5k to $500K!  Pick up the phone and call 1-424-224-7084 or 1-424-222-0080 now!

Working Capital Loan/Merchant Cash Advance Loan

Here’s What to Do Now:

Fill out and return a one-page application

Send us three months of bank statements and 3 months of your merchant account statements

(If you don’t process credit cards, then send 6 months of bank statements)

Send a copy of your Drivers License

Send a copy of your Business License

Send a copy of Voided Check from the account where you want your funds deposited

When Business Owners Ask… How Can I Get Money?

I have cash flow challenges… I need to buy/lease new equipment… I need money to advertise… I need money to purchase inventory… I need to make payroll.  How can I get money?  When You Need to Get Money:

A Working Capital Loan or Merchant Cash Advance Loan may be your best choice…

Here’s A Few Reasons Why Business Owners Choose This Program:

Business Loans up to $500,000 Per Location

No Additional Collateral Required

Approval Based on Gross Sales (Not credit card sales)

Funding is 5 Business Days

Interest is Tax Deductible

No Application Fees

Loan up to 18 months

Decision in 2 Business Days

Renewable for Additional Capital

Business Borrower Guidelines:

Minimum time in business – 1 year

Minimum FICO score 500

5 deposits per month

Maximum of 10 NSF’s per month

Minimum Annual Revenue: $100,000

Since this is not against credit card sales, businesses without credit card sales can get approved and funded. Take advantage of unexpected opportunities even if you are short on funds. Whatever your money needs, think of CFIC Funding CFIC Funding is where to get money!

Get money now… Pick up the phone and Dial 1-424-224-7084 or 1-424-222-0080! 

CFIC Working Capital Application


The Proven Formula For Financing Your Business

A few years ago, we had a client seeking a total of $13,500,000, which equaled about 65% of the appraised value based on an “as completed value”. The funds would be used to acquire a 40,480sf commercial building in Northern California. The purchase price was $9,500,000. The “as converted” MAI appraised value was $20,600,000. There was approximately $1,000,000 in costs and fees to close and fund the transaction with another $2,000,000 needed to build out the interior spaces as planned.

The “as complete” plan called for the conversion of the Property from general office into 40 Medical Office Condominiums about 4 months after the renovation work was completed. Each unit would then be approximately 1,000sf. Zoning, parking and planning department requirements for conversion were met.

The Property was already 75% leased to 2 tenants. NOI was about $1,200,000. We were told that both of the tenants signed a letter of intent to purchase 10 of the Condo units (for a total of 10,000sf) upon approval of the conversion to medical office condos for $6,000,000.

After we helped the developer revise his loan package, we got them an experienced real estate investment firm to provide the cash equity required. Upon completion of their review, our favorite bank at the time offered the developers a total loan amount of $8.7 million with an 18-month term for the acquisition and construction expenses at 9% interest rate that would convert to a 7.5% permanent loan with a 7-year term and 20 year amortization.

Our client executed the LOI and the other internal bank loan documents then was able to close and get funded in 5 weeks.

It’s like we say all the time, if you put the right information in front of the right lender, you will get the cash you need.

If you need help, ask us for it. Visit us tomorrow for another free commercial loan secret and be sure to subscribe to our RSS feed.

You can also contact us to ask questions and voice your concerns. Just pick up the phone and dial, CFIC Funding. today at 1-424-224-7084! Ask for David Young. You can also visit or mail

Your Options Can Spell Success For Your Business

Several years ago we got a call from a very nice lady with an unusual business and type of property. She was at her wits end because she had a history of profitability, good equity and other real estate for cross-collateralization purposes but couldn’t find any lenders willing to provide the growth capital she wanted. All the lenders she contacted said that her property type was not one they financed.

What kind of property did she have? It was a multi use property that consisted of a strip mall with a bridal and tux shop, real estate office and one of the areas more popular banquet halls. We’re talking about a 9600 square foot building with a 3000 square foot dance floor, private dressing rooms, full kitchen, huge bandstand, full bar and liquor license. The problem was, there wasn’t any traditional rental income, as the borrower owned all of the businesses in the strip mall.

All this and none of the local banks she approached would give her a dime. After we looked at her appraisal and tax returns, we called the chief lending officer at our favorite bank. He agreed that she was deserving of the loan she wanted, but knew that the other members of his loan committee would have a problem with the property type. So he referred us to a private lender in her area that he bought seasoned loan packages from in the secondary market.

Once we compiled and shared the right information with this private lender, he was happy to make sure that our client got all the financing she wanted with rates and terms competitive with any bank. Further proof that even if one lender turns you down, there are others that will work with you.

If you need help, ask us for it. Visit us tomorrow for another free commercial loan secret and be sure to subscribe to our RSS feed.

You can also contact us to ask questions and voice your concerns. Just pick up the phone and dial, CFIC Funding today at 1-424-224-7084! Ask for David Young. You can also visit or mail

Project Financing–Lenders Want to Finance Your Business

Did you know that there are lenders even in today’s market who are not only looking for businesses and projects to finance… they are actually eager to do so? So how do you position your company to be one of them? Keep reading.

Pull up a front row seat and listen in. Today we were talking with the Managing Director of the Private Equity Group we work with. He made the comment: “It’s very difficult to find developers that can do what they claim they can.” It was very similar to what the president of an Equipment Leasing firm said recently.

Think about that for a moment.

These legitimate and capable lenders are actively looking for more businesses and projects to finance. These are sources of capital that get loan and funding requests daily. Many are from sound business concerns with good ideas. But they’re not getting the necessary documentation to support the loan requests they receive. Consequently, they can’t fund as much business as they’d like.

What are they not getting that prevents them from funding the loan? It can be many things. It can be unsigned equipment orders, not getting the right permits and/or licenses, not providing signed purchase contracts or orders from your customers. Many times it comes down to not providing something as simple as a tax return. Often it’s not being clear with how you plan to use the loan proceeds.

If you want money to grow and develop your business, whether it’s $50,000 or $500 million, you have to forecast and plan each step of the way to make sure you have covered all eventualities. Make sure all your orders, contracts, quotes, permits and licenses are fully dated and signed before you send them to your lender or investor.

Be sure to provide a clear step-by-step description of how you see the transaction taking place. If your lender has already stated how it should go, say it again so the lender knows you understand. This is very important, as the lender will be more comfortable in working with a borrower that qualifies and understands his process and procedures.

Let there be no doubt, all lenders would love for the deal to come together and fund smoothly. Just like you. So, be thorough and make sure you give them what they need the first time.

If you need help, ask us for it. Visit us tomorrow for another free commercial loan secret and be sure to subscribe to our RSS feed.

You can also contact us to ask questions and voice your concerns. Just pick up the phone and dial, CFIC Funding, Inc. today at 310-421-7370! Ask for David Young or Wayne Clinton. You can also visit or mail or

How to Get Money for Business Success

Many business executives and owners pose a simple question: How can I get money? We need working capital. We need to upgrade our equipment. We need a line of credit. Where can I get money?

Getting your business financed is arguably one of the most important steps needed for success. Yet very few business owners really understand how lenders, underwriters and loan committees make decisions. Like many businesses, yours may be faced with the challenge of needing to raise funds or you’ll limit growth and miss profit opportunities.

So off you run to your bank and “ask” for a loan… only to be faced with the less than favorable response. Asking soon becomes one frustration after another and then many simply give up. Sound familiar?

Well don’t give up… there is more than just hope… success may be only one strategy around the corner. That’s where this blog proves to help. It will show you where to get money. It will show you how to get money. There are very common mistakes, misconceptions and misunderstandings in getting approved and successfully funded that we’ll help you avoid.

Once you know how to ask to get money, where to ask to get money and who to ask to get money… you’ll find that success can be as simple as
‘painting by the numbers’!

In this blog you’ll discover priceless knowledge in business financing that even most bankers, CPA’s, attorneys and loan brokers don’t know or won’t tell you.  Why is that? The answer is in specialization.

Bankers specialize in the lending appetite of their employer who may have little to do with your specific money needs. Attorney’s specialize in legal aspects of loan contracts but may not have all the answers that you need to acquire funds for your business. CPA’s specialize in financial reports and tax issues, but just like the attorneys, they share the same disadvantage of not fully understanding how to get you across the financial finish line. Loan brokers often specialize in a particular type of loan, such as real estate or SBA financing and may look at your loan through the wrong “set of glasses.”

You’ll Learn How to Think Like a Lender and Get Money…

What if you could be a fly on the wall during a ‘loan committee’ meeting concerning your loan request? Better yet, what if you could set the stage in your favor? It’s not only possible, but highly probable once you know the strategy.

The good news is… you’re not stranded! This blog is your compass and will help you cut straight through the red tape to find your way to securing business loans from banks and private lenders alike.

Most traditional lending sources only offer programs focused on particular industries and certain sized business that they’re comfortable with, which may not match the needs of your business or project. On the other hand, there are virtually dozens of viable programs and hundreds of funding sources worldwide that are compatible with your needs. Most importantly, what this means to you is, you can now access the best programs and sources of cash for your specific money needs!

We’ll be covering the following types of loans and how your best strategy may ultimately be a combination of these loans that most appropriately fits your business:

• 100% Financing
• Contract Financing
• Project Financing
• Acquisition-Funding
• Start-up Loans
• Inventory Loans
• Accounts Receivable Loans
• Factoring
• Purchase Order Financing
• Working Capital Loans
• Agricultural Loans
• Equipment Leasing
• Loans using equipment as collateral
• Commercial Property Loans
• Unsecured Borrowing
• Business Lines of Credit
• Warehouse Financing
• Machinery Loans
• Flooring Lines
• International Loans
• Real Estate Development Loans
• Construction Financing
• Virtually ANY Type of Business Loan

There are sources of cash ready to handle any type of legitimate business loan or lease you need. However, most business owners don’t know who they are or what to send them.

This blog is where you learn….

If you need help, ask for it. Visit us tomorrow for another free commercial loan secret and be sure to subscribe to our RSS feed.

When you ask the question: How can I get money? You can contact us to ask questions, we’ll advise you how and address your concerns. Just pick up the phone and dial, CFIC Funding, Inc. It’s where to get money. Call us today at 1-424-224-7084!  Ask for David Young. You can also visit or mail