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GENERAL BUSINESS LOANS
- Startup Financing, too . . .
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BUSINESS OWNER -
This is Steve Downing, president of Clearsailing Financial, located in Clearwater, Florida. We are a veteran-owned business and we serve clients nationwide.
We offer a variety of business loans, including SBA loans and specialty financing. Tell us your situation and how we can help.
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SBA LOANS
SBA loans are business loans that are guaranteed by the government of the United States for the purpose of helping American businesses.
SBA loans are the Gold Standard and can be approved for up to $5 million.
We also offer conventional bank loans (business term loans) and traditional business lines of credit.
These are all "A paper" loans with low APRs, excellent terms, and monthly payments.
Requirements:
Minimum monthly business income: $20K
Minimum credit score: 660–680
660: SBA loan
680: Business term loan (also known as a bank loan)
680: Traditional business line of credit
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BUSINESS STARTUP FINANCING
1) Business Credit Line
Our most popular option for startup and early-stage companies is the Business Credit Line, funded in the form of Business Credit Cards. We can fund you from $20K to $150K at 0% APR for 9–18 months, typically, and in some scenarios up to 24 months.
If needed, you can liquidate a portion of your credit line to cash.
No business income is needed. However, an EIN (Federal Tax ID) is required.
A minimum credit score of 670 is required.
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2) 401-K Rollover
Another option for business startups is the 401-K rollover, or ROBS. ROBS stands for Rollover for Business Startup! We can roll your 401-K or IRA savings into your business, tax-deferred and penalty-free. Credit score is not checked. A minimum account balance of $40K is required.
401-K accounts cannot be with your current employer. IRA accounts cannot be self-directed.
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3) Securities-based Loans
Another option is our asset-based loan which is backed by securities (stocks, bonds, etc.)
I represent a top-tier, fully licensed brokerage/banking firm. We are located in Washington DC and are funded through a well-known American banking giant.
We feature no-title-transfer credit lines and can secure funding backed by your publicly traded, non-retirement-account securities, in about 7 business days.
Requirements: all securities within your portfolio should have a cumulative value of at least USD $85,000 at the time you apply, and cannot be inside an IRA or 401k. The collateral securities should be trading at $5/share or higher consistently over at least a year. As a rule, multi-stock portfolios are always preferred, but not required. And, your securities should be free-trading and have good volume.
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ADDITIONAL OPTIONS . . .
1) Business Micro-loans
- From $500 to $5,000
- For Uber drivers, gig workers, 1099 workers, small businesses
- Monthly Income: $3K minimum
- Credit Score: 450 minimum
2) Personal Loans
- Simple online form
- Funding is based on:
- - personal income: the higher the better
- - credit score: the higher the better
- - debt to income ratio: low debt and high income is better
3) Vehicle title loan - up to $50K
You must own a late model car, SUV, or light truck that is paid off or ALMOST paid off. We have a simple, online application. Loan amounts are determined using factors that include:
- the qualifying vehicle's equity value
- the ability to make regular monthly payments on time
- state laws
4) Merchant Cash Advance - Fast Funding - up to $500,000
MCAs are fast funding and can help in the following situations:
- Need to cover payroll
- High ROI project with quick turnaround
- Bulk inventory at steep discount, Unplanned move
- Seasonal hiring, Marketing campaigns, Slow-paying clients
- Need emergency funds NOW and cost-of-capital is not a factor
Requirements:
Minimum monthly business income: $15K
Minimum credit score: 550–700
550: Standard MCA: up to $500K
700: Preferred MCA (lowest rates): up to $500K
5) Equipment Financing solutions
- Flexible "Outside The Bank" Solutions:
- Equipment Acquisition/Refinance
- Equipment Collateral/Hard Money Loans
- Lease, Sale/Lease-back and Term Loans
- Agriculture, aviation, food processing,
- Industrial, manufacturing,
- Marine, medical, more
6) Truck Loans and Heavy Equipment Financing
- Trucks: Big Rigs, Straight Trucks, Dump Trucks, etc.
- First Truck or Fleet Expansion
- Trailers: Reefers, Dry Vans (heated, vented, etc.), etc.
- Heavy Equipment: Bulldozers, Cranes, Excavators
- Farm Equipment: Tractors, etc.
- Across the USA and Canada
7) Standard Business Invoice Factoring - up to $5M
- We will purchase your invoices, providing immediate working capital
- Invoice Factoring is more cost effective than Working Capital loans
- If your business has aged A/R invoices (30+, 45+, 60+, etc.), we can help
- Flexible Purchase Order deals - up to $8M
- Across the USA and Canada
8) Luxury Asset Loans
- Loans Backed by Luxury Assets
- Private, Discreet Consultation
- No Credit Check, No Income Verification
- Fine art, Luxury real estate
- High-end watches and fine jewelry
- Premier auction house collateral
- Sports and entertainment contracts
- Maximum Loan: Contact Us!
- USA only
9) High-end, Commercial Real Estate Financing - up to $20M
- Hard Money Lending for:
- Development Projects
- Any real estate financing outside the box
- Investor/Builder Spec Funding for new home builds
- USA only
10) Securities-based Loans - Up to $100M
- Asset-based Loans backed by Securities (stocks, bonds, etc.)
- Loan-to-Values 75% to 97%
- $80K Minimum Portfolio Value
- Public, Free-trading Securities, Only
- Securities must be valued at $3+ per share
- USA only
11) Oil Lease Financing - up to $100M
- Letter of Intent or Purchase/Sale Agreement
- Target Company financial statements required
- Need References and Resumes
- Need Production History, Reserve Report, Decline Curves, etc.
12) Gold and Mineral Mining Loans - $50M Minimum Lend
- Global Metals Industry Giant
- Senior Debt Capital for Mining Companies:
- Initiation or Expansion of Mine Production
- No syndication: efficient, single-lender financing
- Offices in Bermuda, Hong Kong, London . . .
- New York, Shanghai and Sydney
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Click REPLY, above, for information, and tell me:
1. Your situation
2. Years in business
3. Credit score (approximate)
4. Business annual gross income
5. How much you need to borrow
Cheers!
Steve
Steve Downing
Clearsailing Financial
Clearwater Beach, Florida
We Lend Nationwide: Across the USA
