MCA Loans are provided to small businesses who can draw a lot of revenue on their monthly CREDIT CARD Transactions.

MCA Loans are similar to ACH Loans in that they are both repaid on “purchased” future business through the credit card transactions.

MCA Loans differ because they are not always paid daily, they are paid when the merchant batches out the credit card transactions (usually no longer than 12 days) and the payment is drawn from the total batched amount.

The factoring rate on an MCA loan is a bit higher than that of an ACH loan because MCA loans are not required to be paid daily.

A UBLOC Loan is a VERY good option for stable small business with decent credit.

These loans can take the weight off the monthly deposit amounts if they are NOT over 10,000.00 and rely heavily on credit.

A score that can approve a UBLOC is roughly a mid-600 or higher with last year's income to not be under 50,000.00.

A UBLOC is extended usually in amounts of 30 or 60,000.00. You may only borrow what you need and you may keep tapping into your UBLOC account at any time as long as all payments are made accordingly.

In some cases, a small success fee is sent to First Loan Choice after the loan is approved and you receive your funds.

Startup Loans are VERY hard to gain approval for. Maybe 2% of all institutions honor these loans aside from the Standard SBA Loan.

Startup Loans require credit score over 750…NO Collections for 3 years, NO Bankruptcies, NO Tax Liens, and NO Judgements.

Last Year's Income should be equal to the loan amount & Proof of current employment is required.

You may be required by First Loan Choice to provide an authorized user to assume risk on your behalf if the loan is not repaid.

First Loan Choice has relationships with industry specific appraisers and funding sources to ensure our clients get the most liquidity out of their assets. We understand the value of your equipment and ensure that you have the right options for your business.

Equipment lending is typically a component of a collateralized loan. While equipment funding can be done on a stand-alone basis, it is often combined with other assets.

There are many benefits to these types of equipment lending facilities:

• You raise cash flow through existing assets for expansion
• Low cost of capital versus stand-alone facilities
• You will receive the working capital you need without giving up equity
• Expand working capital base

We specialize in receivables lending for growing companies that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success.

Receivables lending is part of a collateralized loan. You simply pledge your accounts receivable to a lender and receive up to 90% advance. This type loan is a revolving line of credit that fluctuates with the amount of open accounts receivable.

There are many benefits to this types of receivables loan:

• Your cash flow is directly tied to your sales and as your business grows so will the available capital
• You will receive the working capital you need without giving up equity
• Bridge the gap between your invoices and collection
• Receive cash within days of generating an invoice
• Gives you the confidence to fulfill larger contracts

Commercial Real Estate Financing is a collateralized loan. Loan to value and as well as occupancy levels determine the terms of the loan.

There are many benefits to Commercial Real Estate Financing:

• You will receive the working capital you need without giving up equity
• Purchase additional properties
• Maintain operating expenses

Companies with patents, trademarks, brands, etc. can receive funding on these assets if they are of considerable value and can be defined by an estimated valuation. IntelleSupply Chain Finance allows companies to purchase inventory on extended terms from its suppliers and often receive early payment discounts. Banks and supply chain finance companies pay suppliers directly and then collect from you at the maturity date. We have experience in putting together supply chain finance programs as part of an overall supply chain management program.

Supply chain financing is typically an add on to an existing asset based or cash flow working capital line of credit.

There are many benefits to supply chain management facilities:

• Financing accounts payable fees up working capital for expansion
• Maturity periods from 90 days to 360
• You will receive the working capital you need without giving up equity
• Gives you the confidence to fulfill larger contracts

Whether you're a manufacturer, distributor, supplier, or dealer, First Loan Choice can help you fund the flow of inventory. Inventory funding is critical for companies that need to keep several different items in stock for just in time delivery, or for companies that need to keep inventory on hand for retail replenishment.

Inventory funding is especially useful for businesses that must pay their suppliers in a shorter period of time than it takes them to sell their inventory to customers.

There are many benefits to this type of inventory loan:

• Allows you to use your inventory as a bankable asset
• Provides a solution to seasonal fluctuations in cash flows
• Allows you to acquire extra inventory when you need it
• Helps your business achieve higher sales volume
• Can work in conjunction with receivable and purchase order financing

Companies with patents, trademarks, brands, etc. can receive funding on these assets if they are of considerable value and can be defined by an estimated valuation. Intellectual Property Financing is typically for mature companies that are looking to leverage additional assets for expansion. Commercial Finance Partners has years of experience helping clients work with banks and finance companies to gain the best rates and terms.

While funds are being provided against a percentage of the estimated value of the intangible assets, lenders will typically have a first priority interest in intangibles as well as other assets as part of the overall loan agreement.

There are many benefits to these types of patent funding:

• You will receive the working capital you need without giving up equity
• Generate working capital for research and development
• Gives you the confidence to expand
• Receive funding at bank rates

There are several trade instruments available to companies trading at home and abroad. By utilizing various forms of letter of credit, letter of guarantee and credit insurance, we are able to structure transactions that allow our clients to mitigate risk and gain more control in commercial transactions.

Letter of credit, letter of guarantee and credit insurance are financial instruments used in domestic and international trading. These instruments are typically offered through banks, private finance companies and insurance companies.

There are many benefits to trade credit instruments:

• Increase sales by extending credit with accounts receivable insurance
• Utilize letter of credit instruments to pay overseas suppliers
• Utilize letter of guarantee instruments to guarantee supplier credit
• Increase import/export trade while mitigating risk

We specialize in receivables factoring for growing companies that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success.

Factoring invoices is not a loan, and is often referred to as 'off balance sheet' financing. You simply sell your invoices to a lender and receive up to 90% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to these types of invoice factoring facilities:

• Your cash flow is directly tied to your sales and as your business grows so will the available capital
• Receivables factoring is often done on a 'non-recourse' basis where the factor takes the credit risk for customer bankruptcy
• You will receive the working capital you need without giving up equity
• Bridge the gap between your invoices and collection
• Receive cash within days of generating an invoice
• Gives you the confidence to fulfill larger contracts

We specialize in medical receivables funding for growing practices that do not have access to traditional financing sources. Working with us you gain a financial partner who understands your needs and is vested in your success.

Healthcare factoring is not a loan, and is often referred to as 'off balance sheet' financing. You simply sell your invoices to a lender and receive up to 80% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to this type of medical factoring:

• Your cash flow is directly tied to your sales and as your business grows so will the available capital
• You will receive the working capital you need without giving up equity
• Bridge the gap between your invoices and collection
• Receive cash within days of generating an invoice
• Gives you the confidence to fulfill larger contracts

Owner operators, fleets and brokers can take advantage of freight bill factoring programs at very competitive rates and terms. Accounts receivable financing is available to companies with large fleets and solid operating history.

Freight bill factoring is not a loan. You simply assign your accounts receivables to a lender and receive up to 95% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to accounts receivable financing programs:

• Your cash flow is directly tied to your sales and as your business grows so will the available capital
• High advance rates allow you to maximize working capital
• Bridge the gap between your invoices and collection
• Take advantage of fuel discounts by receiving advances to fuel cards

Commercial construction companies need cash flow to pay suppliers, labor and other expenses while they wait for payment. Our underwriters understand progress billing, lien releases and other nuances that traditional factoring companies are not accustomed to.

Construction factoring is an advance against open invoices and not a loan. You simply assign your accounts receivables to a lender and receive up to 80% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to using a construction factoring company:

• Cover overhead expenses and pay suppliers in time
• Factoring company ensures A1A paperwork is properly completed to get paid in time
• Your cash flow is directly tied to your sales and as your business grows so will the available capital
• Gives you the confidence to fulfill larger commercial construction contracts

We work with many well-capitalized investment funds and underwriters that are aggressively approving new transactions. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times.

Occasional working capital needs due to seasonality or large contracts. While the cost of funding individual invoices is more expensive than traditional factoring, you only submit invoices when you need working capital which can lower the overall effective cost.

Spot factoring services are considering an advance against invoices and not a loan. You simply assign your accounts receivables to a lender and receive up to 90% advance. The balance is returned less fees as the receivables are collected.

There are many benefits to this type of receivables factoring:

• Your cash flow is directly tied to your sales and as your business grows so will the available capital
• Spot factoring services give you flexibility - only factor invoices when you need the money!
• Factoring receivables bridges the gap between your invoices and collection
• Gives you the confidence to fulfill larger contracts

The Small Business Administration guarantees loans to banks and financial institutions for applicants that meet the Small Business Administration guidelines. We have funded many of these types of bank loans and will assist you in gathering all of the necessary documentation to fund the line of credit.

Small Business Administration backed loans are funded by banks and financial institutions that rely on your personal and business credit as well as the cash flow of the business.

There are many benefits to these types of small business loans:

• Low interest rates
• 10 - 20 year term loans
• Can be used for acquisition or expansion
• You will receive the working capital you need without giving up equity

We work with many banks and private finance companies that are aggressively lending. Many of our clients, companies just like yours, can receive the working capital they need even in today's hard economic times.

Turn your good credit history into cash NOW, and gain the working capital and the peace of mind your company needs to succeed!