3. Financial Capital Solutions with its innovative lending platform, provides
capital for commercial real estate finance as well as to small, medium
and large size businesses. We have the ability to understand our
client’s needs and properly identify the right financing solution per
capital need without the obstacles that banks present today. With our
funding capacity from $5,000 to well over $100,000,000, our team is
highly experienced in funding transactions nationally and
internationally.
INTRODUCTION
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Our partners have financed billions in
commercial transactions
Featured in:
4. INTRODUCTION
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One stop solutions and more capabilities and options than any bank in the country.
Types of Financing
• SBA Loan Program
• Franchise Financing
• Equipment Leasing
• Merchant Cash Advance
• Accounts Receivable Financing
• Project Financing
• Healthcare and Medical Financing
• Purchase Order & Trade Finance
• Bridge & Hard Money Loans
• Commercial Development & Construction Loans
• Mergers & Business Acquisitions
• Contract Finance
• Commercial Real Estate Financing
• Unsecured Business Lines of Credit
• Private Equity/Joint Venture
• Mezzanine Financing
• Asset-Based Lines of Credit
• Consumer Finance Programs for Businesses
• Structured Settlement & Annuity Financing
6. Businesses need quick and reliable financing options when cash flow is tight and loan or credit requests
through the usual banking channels seem to take too long. Traditional financial institutions typically rely on
inflexible categories such as those reflected on the balance sheet. This can certainly be limiting at times when
liquidity is a critical issue, accounts receivable financing can be a viable alternative option.
ASSET-BASED LENDING
ACCOUNTS RECEIVABLE / FACTORING
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Features and Benefits of Accounts Receivable
Financing (Factoring)
• Raise working capital without increasing debt
• Transactions from $25,000 to $3,000,000
• Often times credit decisions can be made within 24 hours or less
• Non-recourse lending (Lender is responsible for collecting all the debt)
• Normal advance rates of 85% on Account Receivable (up to 90% for certain industries)
• Options available with no contract term for the borrower
• Factoring lines are available that are competitive with traditional bank rates
7. ASSET-BASED LENDING
PURCHASE ORDER FINANCING
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Purchase order financing is a short-term transaction-based financing that allows companies to purchase or
manufacture goods that have been presold to their credit worthy end customers.
Features and Benefits of Purchase Order Financing
• Provide financing to Importers, exporters and manufacturers of up to 100% of cost of
goods
• Provide letters of credit to domestic or overseas suppliers for cost of goods
• Provide cash funding to secure payment for raw material, freight, duties and transaction
specific labor
• Product offers from $25,000 and up
• Will consider transactions for startups and seasoned companies from all industries
8. ASSET-BASED LENDING
ASSET-BASED LINES OF CREDIT
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Financial Capital Solution’s asset-based loans are ideal for companies experiencing growth and in need of
capital to support it. With our asset-based financing, we provide a revolving line of credit that is as convenient
and easy as a bank line of credit, but is more flexible and provides increased availability.
Features and Benefits of Asset-Based Lines
of Credit Lending
• Working capital financing secured by accounts receivable and inventory
• Product offerings from $250,000 to $50,000,000
• Aggressive advance rates on accounts receivable up to 90%
• Up to 75% advance rates on certain inventory finished goods or raw materials
• LIBOR based pricing, starting below 4%
• Traditional underwriting requirements apply such as: field exams, audits and financial
covenants
10. Equipment financing enables you to acquire the equipment and technology your business needs without
using up your working capital or business credit line. Commonly used to provide higher leverage on new
equipment acquisitions or extract the equity of the existing assets.
EQUIPMENT LEASING
EQUIPMENT SALE LEASEBACK
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Equipment Leasing Product Offerings
• Equipment finance for start-ups to middle market companies
• Application only, small balance and large ticket
• Structures: Term loan, capital lease, tax lease, sale lease-back and operating lease
• Term: 1-10 years
• Advance rates up to 100%
• Programs for challenged credit individuals
• Application only to $150,000. No financial statements necessary
• Middle market financing up to $500,000
• Large ticket over $500,000
• We have program for A,B,C and D credit profiles
• Competitive rates for A credit and investment grade companies starting at 3%
11. Financial Capital Solutions has a very unique contract finance program that is far less expensive then equity
and provides for a more sensible solution for any business that may qualify for this product. Our approach
allows one to acquire the maximum cash from their contract now by simply monetizing the contract they have
in place or are in negotiations with.
EQUIPMENT LEASING
CONTRACT FINANCING
Components of Contract Financing
• A vendor/service provider who offers service and/or product to their customers under a fixed-term
contract of at least 2 years
• An equipment component that is necessary to fulfill the contracted service or produce the contracted
product
• A pre-determined fixed minimum payment stream; unconditionally guaranteed by the end-user
• A credit worthy end-user (customer)
• Minimum transaction size of $1,000,000
• Wide range of collateral to include soft goods such as: Software licensing
• International finance starting at $10,000,000
• Approval is usually based on your contracts and your customer’s credit worthiness.
• Unlike most typical lending programs, the time frame and volume amount can be structured to fit your
particular circumstances.
• One of the quickest ways to acquire working capital without resorting to equity lending or more typical
loan options
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13. COMMERCIAL REAL ESTATE
SBA LOANS
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Benefits of SBA Products
• Real estate acquisition financing up to 130% LTV for professionals
• Construction finance up to 90% LTV
• 25 year fixed rate 7a loans below 5% and up to 90% LTV
• Aggressive franchise finance programs
• Hospitality financing including non-flagged hotel/motel
• Business acquisition finance with as little as 10% and up to $1.2 million in goodwill
• Loan size $250,000 to $12,500,000
14. Commercial mortgage-backed securities (CMBS) are a type of mortgage-backed security backed by
mortgages on commercial real estate. In a CMBS transaction, many single mortgage loans of varying size,
property type and location are pooled and transferred to a trust. The trust issues a series of bonds that may
vary in yield, duration and payment priority. Nationally recognized rating agencies then assign credit ratings to
the various bond classes ranging from investment grade (AAA/Aaa through BBB-/Baa3) to below investment
grade (BB+/Ba1 through B-/B3) and an unrated class which is subordinate to the lowest rated bond class.
COMMERCIAL REAL ESTATE
CMBS Conduit Loan Programs
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Benefits and Features of CMBS Conduit Loan Program
• $1,000,000 to $50,000,000
• Non-recourse
• Interest rates starting in the 4.00% range
• Cash out opportunity for the borrower
15. The Conduit Loan Program provides the lowest permanent fixed rate commercial real estate loans for the
acquisition or refinance of stabilized, income producing commercial real estate properties located in most
market sectors, including small and medium markets for commercial mortgages up to $25,000,000 plus.
COMMERCIAL REAL ESTATE
INSURANCE CONDUIT FINANCE
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Benefits and Features of Insurance Conduit Financing
• Low fixed-rate commercial financing
• Conduit loans are non-recourse
• No personal guarantee required
16. Stated income loans provide financing for borrowers that don't qualify for conforming commercial loan
products. Common reasons include: inability to provide income, property constraints, tenant issues, borrower
credit, seasoning issues and other.
COMMERCIAL REAL ESTATE
STATED INCOME
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Benefits of Stated Income Loans
• Faster processing
• Less paperwork and income verification involved
• Lower personal credit FICO requirements
• Higher LTV and lower rates then traditional bridge financing
• Cash-out allowed
• Yield spread premium available
17. Our lenders are highly experienced at providing our clients with Commercial Bridge Loans and Hard Money
Loans in a short amount of time. With our numerous partnerships with institutional private investment firms we
can provide the capital you need, in the time you need it in.
COMMERCIAL REAL ESTATE
HARD MONEY / BRIDGE LOANS
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Features and Benefits of Hard Money / Bridge Loans
• Discounted note pay-offs
• Property acquisitions
• Note acquisitions
• Recapitalizations
• Rehabilitation / Redevelopment
• Lease-up / stabilization
18. HUD and FHA programs are used for the construction, substantial rehabilitation, acquisition and refinance of
multi-family properties. Programs also available for the elderly and housing disabled.
COMMERCIAL REAL ESTATE
HUD - FHA
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Features and Benefits of HUD – FHA Loans
• Low down payment
• Limited closing costs
• Relaxed qualification standards
• Competitively low interest rates
• No prepayment penalties
• Backed and insured by the U.S. government
19. We have the ability to provide equity capital to effect acquisitions and recapitalizations of commercial real
estate which allow owners to replace expensive capital partners and/or monetize all or a portion of the
appreciation of their assets and still maintain a significant ownership interest and management income.
COMMERCIAL REAL ESTATE
REAL ESTATE and BUSINESS MEZZANINE / EQUITY
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Features and Benefits of Mezzanine Financing
• Acquisitions and recapitalizations
• Tenant improvements and capital expenditures
• First mortgage refinance shortfalls
• Owner recapitalizations or partner buyouts
• Discounted debt note acquisitions
21. A fast and easy way to get cash for a business by a lender purchasing future credit card receipts and/or
deposits.
OTHER FINANCING PRODUCTS
MERCHANT CASH ADVANCE and ACH
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Features and Benefits of Merchant Cash Advance
and ACH
• Advances up to $1,000,000
• No application fees
• Cash in as few as 6 days
• No collateral required
• Automated payments
• No fixed payments
• No hidden fees or upfront costs
22. Financial Capital Solutions specializes in unsecured lending solutions for entrepreneurs and small business
owners. These business lines of credit do not require collateral with approval based upon the owners
personal credit profile with the balance reporting only to the business EIN.
OTHER FINANCING PRODUCTS
UNSECURED BUSINESS CREDIT LINES
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Features and Benefits of Unsecured Business Line
of Credit
• Expansion
• Paying bills
• Working capital
• Paying taxes
• Purchasing real estate
• Investing
• Leasing equipment
• Advertising
23. Our annuity program provides up-front cash to you for your annuities through the purchase of future annuity
payments.
OTHER FINANCING PRODUCTS
ANNUITY OR FIXED-INCOME STREAM FINANCING
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Features and Benefits of our Program
• Exit strategy for annuities that can be superior to the insurance company’s surrender
charges
• Provides liquidity for annuities that have no surrender options
• Proven industry accepted and legal process
• Almost any annuity that is not variable or in a qualified plan
• Provide up-front cash to your clients for their annuities by purchasing the future payments
24. Offering a variety of payment options to a vendor’s customers, in order to attract and secure more business.
OTHER FINANCING PRODUCTS
BUSINESS-TO-CONSUMER LENDING
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Features and Benefits of Business-to-Consumer Lending
• The ability to finance down to a 580 FICO score
• Finance turndowns from vendors A credit provider
• Provide creative programs such as 6 months same as cash
• Instant credit processing and approval
• Flexibility on interest rate for the customer
• Debt collection programs available
25. THANK YOU
Financial Capital Solutions
520 Brickell Key Dr. #716
Miami, FL. 33131
www.financialcapitalsolutions.com
info@financialcapitalsolutions.com
Tel: 1.561.866.8182
Tel: 1.954.837.3338
