Capital
Access to Capital
Beginning a business with no capital seemed like an impossible feat. However, we are now funded, growing, and looking to expand because of the guidance we received from Carter Financial.
— Zach, Small Business Owner (Atlanta, GA)
Challenge
Right now, a majority of banks are not lending to businesses, and those that do are only approving 10% to 19% of applications. That leaves 80% to 90% of business and real estate investors in need of a source for commercial loans.
Carter Financial has a unique initiative designed to help business owners with the following:
- Develop an understanding of the disconnect between businesses wanting/needing funding and the sources of capital who want/need to lend it.
- Discuss key topics regarding business fund-ability including organizational types, business plans, and financial projections.
- What is business credit and why is it important to you?
- Become familiar with the Three Tranche Model of Accessing Capital.
- Gain an appreciation of having a Capital Acquisition Plan.
Experience
Our funding partners have decades of experience in commercial lending. They know exactly how to properly advise a borrower on any type of commercial transaction. Our partners have the following strengths:
- Experience with thousands of borrowers
- Superior customer service and business knowledge
- Multiple funding options including poor credit
- Focused on securing the best loan rate and term
- Dedicated loan funding specialist for each client
- Deliberately guides borrowers through each step of the process and communicates approvals in as little as 48-72 Hours
- Manages any title or property insurance issues
- Coordinates with each party involved in the transaction to close loans properly and in a timely fashion
Loan Types
We work with a network of 100 plus lenders. The following is a summary of the lending programs we offer for personal/consumer, business and commercial real estate uses.
- Line of Credit
- Consumer Loans
- SBA PPP, 7(a) or 504
- Term Loan
- Equipment
- Merchant Cash Advance
- Invoice Factoring
- Account Receivables
- Non-Profit Lending
- Faith Based Entity Lending
- Ground Up Construction Financing
- Rehab, Fix & Flip & Bridge Financing
- Multi-dwelling Unit Financing