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  • Sell 2 Suzie
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  • Contact Us

S&K Lending Options

Equipment Financing

Unsecured Line of Credit

Commercial Real Estate

Approval in as little as 24 hours for almost any type of business related equipment. 

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Commercial Real Estate

Unsecured Line of Credit

Commercial Real Estate

Investment Property, residential, construction, office buildings. 100k up to 5 Billion.

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Small Business Loans

Unsecured Line of Credit

Unsecured Line of Credit

Terms up to 25 years and approval in as little as 48 hours.


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Unsecured Line of Credit

Unsecured Line of Credit

Unsecured Line of Credit

Business line of credit up to $500,000.


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Commercial Real Estate

Small Commercial Real Estate - 

  

  • Loan Amount: $100K to 2 Million
  • Geography: United States
  • Property Types: Multifamily, Retail, Office, Mixed Use, Light Industrial, Self-Storage, Automotive, Mobile Home Parks
  • Term: 3/1 ARM, 5/1 ARM, 30 year Fixed
  • Full-Recourse
  • LTV: Up to 80% LTV for purchases, up to 75% LTV for refinances


Large Commercial Real Estate - 

 

  • Loan Amount: $50 Million to Over $5 Billion
  • Geography: United States and Select International Countries.
  • Property Types: Multifamily, Retail, Office, Mixed Use, Ground Up Development and Construction. Raw Land, Industrial, Hotels, Resorts, Gaming
  • Term: 5 Year Term with optional 1 year extension.
  • Non-Recourse
  • LTC : Up to 80%; 100% for construction projects.

Small Business Loans

 * Purchase * Build * Refinance * Renovate * Owner-occupied

  • Non-conforming properties
  • Single-purpose buildings
  • Gas stations
  • Restaurants
  • Repair Shops
  • Auto Dealerships
  • Hotels and motels
  • Convalescent hospitals
  • Veterinary

EXISTING BUSINESS ACQUISITION LOANS

Your company’s Cash Flow & Management Capabilities are our primary indicators

  • Up to $1.25 million a year
  • Up to 15 year term
  • Up to 80% financing
  • Loans fully amortized, no balloons
  • No pre-payment penalty
  • 48 hour pre-qualification

EQUIPMENT FINANCING

Commercial printing and binding Machine tools Manufacturing Equipment Heavy Equipment Trucking Medical Equipment Laundry/dry cleaning Diagnostic Equipment

LOANS UP TO $5 MILLION

  • No cost pre-qualification letters
  • Competitive rates and flexible terms
  • No pre-payment penalties
  • Up to 90% financing
  • Up to 25-year terms
  • Fully amortized
  • Fixed and variable rate options on both 7a and 504 programs

7(a) Loan Program

We specialize in providing long term permanent financing to small businesses. Our loans, including the 7(a) Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Eligible Businesses and Property Types

Almost any type of for-profit business is eligible for financing. Commercial real estate must be partially occupied by borrower and includes, but is not limited to, the following types of properties:

  • Office Buildings
  • Warehouses
  • Industrial Buildings
  • Manufacturing
  • Child Care Facilities
  • Car Wash Facilities
  • Automotive Repair
  • Shops
  • Professional Buildings
  • Hotels and Motels
  • Restaurants
  • Gas Stations
  • Bed and Breakfasts
  • Franchises
  • Start-ups
  • Single-Use Buildings

Eligibility based on SBA size standards. Typically, retail businesses with annual sales of less than $6,000,000, manufacturing business with less than 500 employees, and service businesses with less than 100 employees. Eligible businesses include those in retail, manufacturing, and services industries.

Use of Proceeds

  • Real estate acquisition, construction or refinance – up to 90% financing available
  • Business Acquisition – up to 80% financing available
  • Equipment Acquisition – up to 100% financing available
  • Debt Refinance -up to 100% financing available

Terms

  • Up to 25 years for real estate financing
  • Up to 10 years for equipment or business acquisition financing
  • Up to 7 years for permanent working capital
  • All loans are fully amortized.
  • Interest Rates and Fees
  • Interest rates are always market competitive. Fees are generally limited to the SBA guaranty fee and customary closing costs.

Loan Amounts

Loan amounts range from $200,000 to $5,000,000

504 Loan Program

We specialize in providing long term permanent financing to small businesses. Our loans, including the 504 Loan Program, are made through the Small Business Administration (SBA) guaranteed loan programs.

Use of Proceeds

  • Real estate acquisition or construction – up to 90% financing available
  • Equipment Acquisition – up to 80% financing available
  • Loan Structures
  • Financing available on projects up to $12,000,000.

1 ) Typically provide a first mortgage of up to 50% of the total loan to value. This loan can range from $100,000 to $3,000,000. 2) The SBA, through a Community Development Company (CDC) provides up to 40% loan to value in a second lien position. This loan can range from $100,000 to $5,000,000.

Terms and Interest Rates

  • First Mortgage – up to 25-year term for real estate loan and up to 15-year term for equipment purchase with fixed and variable interest rates available.
  • Second Mortgage – up to 20-year term for real estate and up to 15-year term for equipment purchase. Fixed rate is determined at SBA guaranteed 504 debenture sale.

Fees

  • First Mortgage – fees are always market competitive.
  • Second Mortgage – 2.75% + legal review fee. This fee is financed in the loan.
  • Fees also include customary closing costs, construction loan fees (if applicable), and bridge fees.

Eligible Properties

Almost any type of for-profit business is eligible for financing. Commercial real estate must be partially occupied by the borrower. 

Unsecured Lines of Credit

 

These business lines of credit do not require collateral and include anything from smaller business credit card solutions to individual lines of credit for $500,000.

How much the business owner qualifies for depends on the credit profile and the size and profitability of the business. Start-up companies with no established revenue and a business owner or partner with a good credit file can expect to receive between $25,000 – $100,000 normally. Established businesses with revenues of $1,000,000 up to $10,000,000 can expect between $100,000 – $500,000 with no collateral if they qualify with their financials and credit. These are A-Paper products so the rates are very good. They range anywhere from 0% introductory offers on all our business credit card solutions to 1-5% over prime for the larger lines of credit. We don’t offer “subprime” Unsecured lines so you’ll either get the good rates or you will not be approved.

We offer a No-Obligation Pre-Qualification that takes 10 minutes to complete and only requires a credit-check that costs less than $45.

Equipment Financing

 

Financing for almost any type of business related equipment

  • Application only to $150,000. No financial statements necessary.
  • Middle market financing up to $500,000
  • Large ticket over $500,000
  • Little or No Down Payment
  • Numerous Payment Structures

Approvals for application only in 24 hours. Middle market and large ticket usually take 3-5 days. Up to 84 months to repay with excellent rates. 


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