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PARTS • EQUIPMENT • SOLUTIONS
5860 Belle Isle Rd. Syracuse, NY 13209
217 Montgomery St., Suite 1100, Syracuse, NY 13202
www.LendingConcierge.com
How it Works:
Here are just a few of the many businesses and industries we work with:
Minimum Loan Amount: Maximum Loan Amount: Rate: Term & Amortized: Credit Score: Collateral: Most Requested:
$100,000
$5,000,000
Starting as low as 3.75% 10-25 years
620+ with strong nancials
Our 4-Step Process
Purchase/Re nance
Helping you nd the right nancing deal is what we do. Our specialty, as our name implies, is acting as your “Lending Concierge.” We have the expertise to pinpoint the right solution. Our proven process is easy to follow helping you to simply navigate through our e ective 4 step program.
1 Application
Provide us with a description
of your need and basic documentation. The Lending Concierge Team reaches out to nationwide network of lenders that best t needs and business pro le.
2 Options
The Lending Concierge Team
presents options of nancing programs o ered by lenders. From there you choose
the best t option(s).
3 Agreement
The best t Lender provides
a loan o er. The client accepts the agreement and signs o on the contract.
Expansion/Partner
Buyout/Franchises Other:
• Accounting • Advertising/
Public Relations
• Agricultural Services
& Products
• Architectural Services • Auto Dealers
• Auto Repair &
Maintenance
• Bars & Restaurants
• Broadcasters, Radio/TV • Building Materials
& Equipment
• Cable & Satellite TV Production
• Car Dealers
• Cattle Ranchers & Livestock
• Chemical & Related Manufacturing
• Chiropractors
• Clothing Manufacturing • Commercial TV
& Radio Stations • Communications/
Electronics
• Computer Software
• Construction Services • Crop Production &
Basic Processing • Dairy
• Food & Beverage
• Food Processing & Sales
• Forestry & Forest Products
• Funeral Services
• Garbage Collection/ Waste Management
Accounts Receivable Factoring
• Gas & Oil
• General Contractors
• Health Services/HMOs • Home Builders
• Hospitals &
Other:
Lending Concierge is here to help small business owners like you get the cash your business needs to meet your everyday nancial needs including a variety of loan options—immediate cash, unsecured nancing, accounts receivable, equipment leasing and many others.
We understand the importance of cash ow to meet payroll and accounts payable
Our Products
Alternative Loans:
These are loan programs that are based on a business’ gross monthly revenue. Payments
are collected by ACH from the merchant’s bank account on a xed daily, weekly, or monthly basis. Rates start at 5.99% but are typically 14% and above as these loans are geared for the unbankable. • 6 months - 10 year terms
• Funding in as little as 24-72 hours— after receiving the required documents
• Low minimum credit score of 600 required • Secured or unsecured
• No switching of credit card processor or
credit processing required. Use for any business purpose. Prior bankruptcies and/or liens O.K.
Conventional Unsecured Loans:
Quote 2 Fund partners with banks to o er conventional term loan programs. These type
of loans are credit and collateral based. Payments are collected through xed monthly payments and rates range between 6% and 30%.
• 1Finyeaanrci-n5g yaevarilatebrlembsetween $25,000 to $500,000 Funding in 2 to 60 days
Equipment Financing:
Equipment nancing can be arranged for any type of business equipment. The type of equipment and its condition will dictate how much your
client can borrow on an equipment loan. Just
like a consumer car loan, equipment loans for
a business will vary in their cost based on the equipment’s age, its new or used condition, and the length of time the equipment is expected to be in use. Rates range between 6.99% and 30% on a 3 to 5 year term.
• Up to 100% of equipment value
• Funding in as little as 24-72 hours
• Low minimum credit score of 580 required • Secured or unsecured
• Lease-to-own (EFA) or
$1 Buyout options available
• Pay multiple vendors
under one combined payment
• Ask about startup equipment nancing
Asset Based Lending (ABL):
A cheaper, NonDebt
Financing Solution for B2B.
Let’s assume that the client sells toothbrushes to Walmart. The client is paid after 60-90 days, so the lender will immediately advance 80- 90% of the value of the invoices owed to them. Walmart pays the lender 100% of the value of the invoices after 60-90 days. The lender will then pay the client the other 10-20% back, minus the agreed upon fees. The typical cost is comparable to that of a credit card.
Loans with stricter rules:
Lines of Credit:
This is a revolving credit line that allows your client to access money when needed and only requires payments once he/she starts using the money. Interest rates start at 6%.
• Fbientawneceing$a5v,a0i0la0btleo $1 Million • Need very strong nancials and good credit (700+)
• Terms ranging between 3 months and 5 years
• Borrower pays interest only when funds are drawn
• Interest rates uctuate based on credit at time of each draw • CUopldlatterdal snoamnecitaimlsemsaryeqbueired
requested at each time of draw
Nursing Homes • Hotels, Motels & Tourism
* Rates and terms are subject to change without notice.
• Insurance
• Internet Companies • Lawyers / Law Firms • Liquor, Wine &
Beer Distributors • Lodging / Tourism • Logging, Timber
& Paper Mills
• Manufacturing
• Marine Transport
• Meat processing
& products
• Medical Supplies
• Mining
• Music Production
• Newspaper
• Nutritional & Dietary • Pharmaceutical
• Phone Companies
• Printing & Publishing • Professional Sports • Real Estate
• Retail Stores
• Special Trade Contractors
• Telecom Services
• Textiles
• Transportation
ds as
for investments in new technology, equipment, personnel and expansion.
Maximum Loan Amount: Maximum Loan Amount: Time in Business: Rate: Credit Score:
Collateral: Most Requested: Funding:
$150,000 Start-ups: $75,000 > 2 years
8.99%+
680+
No Bankruptcies No Foreclosures Unsecured Program Working Capital
21 days
Minimum Loan Amount: Maximum Loan Amount: Term: Time in Business: Credit Score:
Collateral: Most Requested: Funding:
Minimum Loan Amount: Maximum Loan Amount: Term: Credit Score: Types:
$5,000
$250,000+
4-24 months
> 6 months
550+
BK > 12 months
Tax Lines OK
Unsecured Program
Working Capital
48 hours once all requests are received
Leasing
$5,000
20,000,000
24–60 months
590+
$1 Buyout
FMV
Sale/Leaseback
Lease/Working Capital Combo Low Doc/Clean Bank Statements Listen to Story
Minimum Loan Amount: Maximum Loan Amount: Term: Rate: Product: Programs:
Small Program: Standard Program: Large Program: Advance Rate: Fee: Special:
Prohibit Industries:
$5,000–$500,000 $500,000–$3,000,000 $100,000–$5,000,000 70%–90%
1%–3% for 30 days Progressive Billing Bruised Credit OK
PO Financing Available Selling to Consumers
Easy and
Unsecured Lines of Credit
SBA Loan Program–7(a) & 504
Don Ras
Managing Partner
p. 800.975.1523 ext. 701
c. 803.226.8779
e. dras@lendingconcierge.com
1900 Empire Blvd. #118 Webster, NY 14580
www.LendingConcierge.com
Commercial Real Estate:
If your client is interested in buying and nancing a piece of land, then developing a custom o ce building on that land or simply purchasing existing commercial space, a commercial real estate loan is the perfect choice.
• Conventional programs nance 75% to
80% of the appraised value or purchase price, whichever is less
• SBA 504 programs nance up to 90% nancing of the total project cost (Including land, construction/renovations, soft costs, and closing costs)
• Conventional loan terms are
3 or 5 years with balloon or call and a 10 or 15 year amortization
• SBA 504 loan terms are as follows: 1st Mortgage: is fully amortized over 25 years; 2nd mortgage is below 20 years with a xed rate
SBA Loans
Small Business Administration (SBA) o ers loans to small business entrepreneurs through various Fund lenders for real estate purchases, business acquisitions,
wQouroktieng2 cFaupnidtahl, aesqpuaiprmtnenret danwditmh opre.ferred SBA Lenders to speed up an otherwise lengthy process.
• Loan amounts range from $5,000 to $5 Million • 5-25 year terms
• Low interest rates ranging from 6% 13%
• Funding in as little as 2 weeks with preferred
SBA lenders; typically 60 to 90 days
• Collateral sometimes required
• Lmoonrgeepr,asptreircwteorrakpinpvrolvaeldpprorecepsasymwiethnt
800.975.1523
Business Finance Program
1900 Empire Blvd. #118, Webster, NY 14580 LendingConcierge.com Frank Puccio: 585.261.2292 fp@lendingconcierge.com
Small Loan Program
ecured
Fully SApply online anytime.
www.LendingConcierge.com
Working Capital LOC
Transitional Financing
$50,000
$15,000,000
12–36 months 18%–22%
Not concerned about past nancial situation
Note Purchase
Working capital using equipment Sale/Leaseback
Credit Challenge Product 575+
Other:
Webster, NY 14580 rge.com
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Minimum Loan Amount: Maximum Loan Amount: Rate Environment: LVT: Prepayment Penalty: Term: Amortization: Other:
$250,000
$7,500,000
4.30%+
65%–75% LVT:
Minimum Loan Amount: Maximum Loan Amount: Rate Environment: LVT: Prepayment Penalty: Term: Amortization: Other:
$1,000,000 None
4.25%
Up to 83% Declining
30 years
30 years
No Bankruptcies No Foreclosures > 660
Minimum Loan Amount: Maximum Loan Amount: Rate Environment: LVT: Prepayment Penalty: Term: Amortization: Other:
$850,000
None
Mid 3%
Up to 80% Declining or YM Up to 30 years 30 years
Fully Amortized CRE Loans
CUSO Loans
Credit Score:
Credit Score:
Credit Score:
Credit Score:
No Bankruptcies No Foreclosures > 660
Minimum Loan Amount: Maximum Loan Amount: Rate Environment: LVT: Prepayment Penalty: Term: Amortization: Other:
$500,000
None
6%+
Up to 75%
Varies
15–30 years
Up to 30 years
No Bankruptcies or Foreclosures in the past 2 years
Minimum Loan Amount: Maximum Loan Amount: Rate Environment: LVT: Prepayment Penalty: Term: Amortization: Other: Credit Score:
$100,000
$7,500,000
8%+
65–90% purchase up to 100% rehab portion
Declining
10 & 20 years 10 & 20 years No Bankruptcies No Foreclosures > 680
Prepayment Penalty: Term: Amortization: Other:
10 years
25 & 30 years No Bankruptcies No Foreclosures > 680
FHA Loans
Fannie Mae Loans
SFR Portfolio Loans
Bridge Loans SFR-4Fam/Commercial/Fix & Flip
Credit Score:
> 620
* Rates and terms are subject to change without notice.
No or low DOC Loans
N/A
1–3 years
Interest ONLY
No or low DOC Loans > 575
800.975.1523
1900 Empire Blvd. #118, Webster, NY 14580 LendingConcierge.com Frank Puccio: 585.261.2292 fp@lendingconcierge.com
DON’T PUT ME DOWN
Minimum Loan Amount: Maximum Loan Amount: Rate Environment:
$350,000 $10,000,000 4.75%+
Up to 80% None
Real Estate Program
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• Engineering Firms www.VineAndBarrelSYR.com• En/tewrtaiinmee/ntbInadussitcrys
315.338.4000
170 Township 5 Blvd., Suite 50, Camillus
800.975.1523
1900 Empire Blvd. #118 Webster, NY 14580
www.LendingConcierge.com
HVAC PARTS • EQUIPMENT • SOLUTIONS
SYRACUSE OFFICE
5860 BELLE ISLE RD • SYRACUSE, NY 13209 PH: 315.214.5286 • FAX: 315.488.4781
ROCHESTER OFFICE
7401 WILLOWBROOK RD • VICTOR, NY 14564 PH: 585.398.7304 • FAX: 585.924.8632
BRIAN SLINK
c: 315.952.1254
e: bslink@mcsmms.com mcsmms.com
o: 315.476.1273 ext. 314 f: 315.476.1283
c: 315.555.5555
e: jcatanzaro@pemcogroup.com
a: 217 Montgomery Street, Suite 1100
Syracuse, NY 13202
WWW.MCSMMS.COM
www.PemcoGroup.com
www.PemcoGroup.com
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Drug Manufacturers
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Natural Resources
• Environmental • Finance
penalties for longer terms
tronics
in funding to thousands of small businesses nationwide. Contact us today to see how we can help your business.
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HVAC PARTS • EQUIPMENT • SOLUTIONS
HVAC PARTS • EQUIPMENT • SOLUTIONS
SYRACUSE OFFICE
5860 Belle Isle RD. Syracuse, NY 13209 ph: 315.484.9048 fax: 315.488.4781
Joseph Catanzaro
needs is just a click away.
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current nancing needs. Don’t delay.
Magnets, Coasters, and Collateral Material
Revenue Advance
Invoice Financing
Unsecured Financing
Business Express Loans
Equipment Leasing
217 Montgomery Street, Suite 1100,
Syracuse, NY 13202
o: 315.476.1273
f: 315.476.1283
w: PemcoGroup.com
Development & Leasing