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FCS - Overview Presentation October 2015
- 1. Partnership Proposal Financing SolutionsBeyond Your Bank
- 2. WHO WE ARE COMPANYOVERVIEW Our Family Of Commercial Lending Companies
- 3. Financial Capital Solutionswith 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 www.financialcapitalsolutions.com Our partners have financed billions in commercial transactions Featured in:
- 4. INTRODUCTION www.financialcapitalsolutions.com One stop solutionsand 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
- 5. ASSET-BASED LENDING TAILORED SOLUTIONSFOR OUR PARTNER’S SUCCESS
- 6. Businesses need quickand 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 www.financialcapitalsolutions.com 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 ORDERFINANCING www.financialcapitalsolutions.com 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 LINESOF CREDIT www.financialcapitalsolutions.com 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
- 9. EQUIPMENT LEASING TAILORED SOLUTIONSFOR OUR PARTNER’S SUCCESS
- 10. Equipment financing enablesyou 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 www.financialcapitalsolutions.com 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 Solutionshas 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 • www.financialcapitalsolutions.com
- 12. COMMERCIAL REAL ESTATE TAILOREDSOLUTIONS FOR OUR PARTNER’S SUCCESS
- 13. COMMERCIAL REAL ESTATE SBALOANS www.financialcapitalsolutions.com 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 www.financialcapitalsolutions.com 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 LoanProgram 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 www.financialcapitalsolutions.com Benefits and Features of Insurance Conduit Financing • Low fixed-rate commercial financing • Conduit loans are non-recourse • No personal guarantee required
- 16. Stated income loansprovide 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 www.financialcapitalsolutions.com 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 arehighly 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 www.financialcapitalsolutions.com 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 FHAprograms 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 www.financialcapitalsolutions.com 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 theability 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 www.financialcapitalsolutions.com 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
- 20. OTHER FINANCING PRODUTS TAILOREDSOLUTIONS FOR OUR PARTNER’S SUCCESS
- 21. A fast andeasy 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 www.financialcapitalsolutions.com 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 Solutionsspecializes 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 www.financialcapitalsolutions.com 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 programprovides up-front cash to you for your annuities through the purchase of future annuity payments. OTHER FINANCING PRODUCTS ANNUITY OR FIXED-INCOME STREAM FINANCING www.financialcapitalsolutions.com 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 varietyof payment options to a vendor’s customers, in order to attract and secure more business. OTHER FINANCING PRODUCTS BUSINESS-TO-CONSUMER LENDING www.financialcapitalsolutions.com 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 CapitalSolutions 520 Brickell Key Dr. #716 Miami, FL. 33131 www.financialcapitalsolutions.com info@financialcapitalsolutions.com Tel: 1.561.866.8182 Tel: 1.954.837.3338