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Commercial Financing Solutions – Access Capital Now!

Our custom-built commercial finance solutions include a broad range of products, so each client receives the right financing package for their business, whether that means putting together one “best fit” or finding strategies that combine products to give our customers the liquidity they need.

Programs cater to emerging business owners, growth-focused companies, as well as commercial real estate professionals.

We understand that securing funding through traditional channels can often be met with rejection, or get tied up in long waiting periods or red tape – which is why we offer a wide array of traditional and alternative commercial lending solutions.

We are dedicated to taking business owners from application to approval quickly, because we know that having access to working capital is frequently a time-sensitive affair

Complete the on-line prequalification to see your funding choices now and open the door to a world of possibilities –

Our Business Lending Products

Accounts Receivables

Fund Your Growth While Streamlining Your Accounting

For companies that need to free up cash flow quickly without incurring new debt, accounts receivable financing is often the best idea. Financing receivables not only allows for a quick return to liquidity, it essentially outsources the entire process of tracking and processing receivables. This is done by selling those receivables to a factor like the Lavan Financial Group and letting us take on the burden of collections. Since this is basically an asset sale, the transaction does not increase the debt load of the client company at all.

Extra Advantages

There are more advantages to this kind of financing than just simplified receivables accounting and a lack of new debt. Our clients also gain the following benefits from financing with their accounts receivable:

  • Fast turn-around usually means cash within 24 hours
  • No recourse on accounts that do not pay
  • Avoiding loan boards and the entire application approval process
  • Focus on the business you do, not making collections calls
  • Increased ability to handle large or unconventional orders

Our approach to financing receivables guarantees that every client’s ability to access cash is based on the volume of business they do, and that is not true of many debt-based financial instruments. This rewards clients for the good work they are doing, while also making it easier to do.

Get in touch with one of our representatives today, and find out what financing through receivables can do for your company.

Asset Based Lending

Asset Based Lending

Lavan Financial Group offers asset based lending to clients and partners who are looking for working capital, without having to rely on loans and other debt-based structures. Our asset based lending program provides a revolving line of credit structured around the value of fixed business assets. We conduct an in-depth analysis of your assets, and consider items which traditional financial institutions overlook. We unlock the capital potential in assets such as:

  • Inventory
  • Equipment
  • Real estate
  • Vehicles
  • Supplies
  • Accounts receivable

Asset Based Lending Offers Versatility

Our asset base lending program provides an additional source of working capital and liquidity that traditional lenders cannot match. Asset based lending from Lavan Financial Group can be used for a wide range of purposes, including:

  • Working capital
  • Turnaround financing
  • Seasonal businesses
  • Leveraged buyouts
  • Mergers
  • Growth financing
  • Special situations

Unlock The Potential Of Your Fixed Assets

If you would like an extra source of working capital that grows with your business, without having to rely on traditional debt-based financing, contact Lavan Financial Group. Our team will provide the best asset based lending credit program to ensure long-term growth and success.

Business Credit Lines

Obtain a Line of Credit to Benefit Your Operations

At Lavan Financial Group, we provide unsecured business lines of credit to businesses in many different industries. When you apply for one of these lines of credit, we will not require you to put down collateral on the loan. Additionally, our funding capabilities are extensive. We offer everything from smaller business credit card solutions to larger lines of credit worth up to $500,000.

Qualification Requirements

Certain requirements will determine how much credit your business qualifies for. These include the following:

  • Your current credit profile
  • The size of your business
  • How profitable your business is

For example, if you recently started up your operations and have yet to establish revenue, we may be able to provide you with anywhere from $25,000 to $100,000 in credit. Comparatively, if you operate an established business with yearly revenues that exceed $1,000,000, we may be able to provide you with up to $500,000 in credit.

Contact Us Today

When we provide business lines of credit, we never offer subprime rates. This means that if you qualify, your interest rate could range from one to five percent.

If you are interested in finding out more about obtaining a business line of credit for your operations, please contact us at Lavan Financial Group today. Our professionals would be more than happy to consult with you and answer any questions you might have about this particular financing product.

Commercial Real Estate Financing

Financing Commercial Property Purchases of All Sizes

At the Lavan Financial Group, we pride ourselves on providing a variety of financial solutions to help our clients purchase, renovate, reposition and construct commercial properties. We provide comprehensive solutions throughout the capital stack to fit each unique project from owner occupied to expansive investment properties. With options that fit a variety of payment windows and loan sizes, we are ready to help with whatever our clients need. In some cases, non-recourse products are even available, making our commercial real estate financing packages some of the most feature-rich and responsive loan instruments available.

CMBS Loans

Commercial mortgage-backed securities represent one of the most cutting-edge instruments out there for commercial real estate purchases and flagged hotels. These loans are transferred into investment securities which are then folded together into a trust and packaged for investors, allowing us to connect our clients to the financial backing they need to complete their purchases.$1,000,000 – $50,000,000 is available.

Download our one-page flyer for more information

International Commercial Real Estate Financing

Experienced in financing commercial real estate across foreign markets, we can structure debt, equity, or mezzanine financing for all types of properties worldwide. Loan amounts are generally $50,000,000 to 1 Billion dollars. Available both in Europe and Asia we will consider transactions in other areas of the world.

HUD and FHA Options for Commercial Real Estate

FHA financing allows us to connect clients to low-interest, non-recourse loan packages for multifamily and senior housing projects. These instruments are available for most contingencies, including acquisition, rehabilitation and repair, refinancing, and construction.

Equity and Mezzanine Financing

With an acute appreciation of transitional projects and value plays Lavan Financial Group delivers tremendous flexibility and tailored capital solutions for large-scale projects. Focused on the owner’s vision for the property we can provide comprehensive funding for the whole capital stack achieving leverage from 75-90% at a fixed cost, interest only and non-recourse. We are experienced at making deals happen from $5,000,000 to over $100,000,000.

Bridge and Hard Money Loans

Short-term bridge and hard money loans provide options that give our clients a fast turn-around and a short repayment window, allowing for flexibility when your company needs cash flow. These loans can be used to finance new projects, put together renovations, or even to prepare a property for sale.

Construction Financing

We provide financing on construction loans for large-scale developments with flexibility to incorporate permanent funding. This program makes available $10,000,000 – $100,000,000.

SBA 7a and 504 Loans

These programs are designed by the Small Business Administration to help finance owner occupied properties, along with flagged and unflagged hotels. Our rates and terms are competitive with other SBA providers, with repayment terms of up to 25 years.

Conventional Loans

Our conventional loan packages work for a variety of properties, including offices and storefronts, multi-family dwellings, and more. With competitive rates that reflect the market’s realities and comfortable repayment windows, accessing traditional commercial real estate financing has never been easier.

Buy, Build, or Invest

No matter what your business needs, we are here to help. Contact us to hear more about any of our real estate financing options.

Consumer Financing

Give Your Customers the Credit They Deserve

For businesses that sell consumer items that are valued at or under $10,000, consumer financing provides a great way to increase customer engagement with your brand while also providing a useful service and increasing your sales at the same time. This is accomplished by working with us to extend credit to your individual customers, allowing them to make larger purchases without worrying about having the balance ready immediately. Companies that engage their customers this way not only increase their own flexibility and increase sales, they also reinforce themselves in their customers’ minds as a great resource for future upgrades and purchases.

Program Advantages

Our programs can be custom-tailored to fit any business, and they include advantages like:

These features, along with the ability to obtain immediate approval and use e-signatures, make the consumer finance options offered by the Lavan Financial Group some of the most flexible plans available.

  • Zero interest or “same as cash” windows to incentivize both purchasing and payment
  • Tiered pricing based on purchase size and credit score
  • Flexibility with interest rates
  • Flexibility with credit scores down to 580
  • Collection of bad debts

Ideal Industries

Our products and programs are designed to be flexible for any qualifying business, but they are especially suited to high-value retail purchases, like jewelry, electronics, furniture, and vehicles. They are also easily adaptable for the following industries:

Contact one of our representatives today, and find out what we can do to connect your customers to your products quickly and efficiently.

  • Private schools
  • Medical and dental services
  • Travel

Equipment Financing

Equipment Financing and Leasing Options for Any Business

Locating financing for commercial equipment can be a difficult task in some industries. This is because of the unique position that commercial equipment finds itself in, due to both technological advancement and the rapid depreciation that comes from full-time use. That’s why we have a specially tailored set of programs just for equipment financing and equipment leasing: to make sure our customers get financial products that are tailored to the unique requirements of equipment purchasing.

Leasing Advantages

Equipment depreciation is just one reason to go with a lease program. Other advantages include:

  • Tax and accounting laws that favor leasing
  • Increased cash flow
  • Leasing does not impact your company’s debt portfolio
  • The ability to upgrade when you want, without worrying about paying off debt

Startup Program

We also provide equipment financing and leasing to new businesses, a service that is often out of reach, leading to equipment purchase costs being bundled into large, long-term loan packages that can increase company debt, taking years to repay. With our startup programs, you can purchase or lease equipment without waiting until your company is already up and running.

Government and Municipal Leasing

The Lavan Financial Group is proud to offer custom-tailored packages that meet the needs of various municipal and government groups, providing access to all kinds of necessary equipment for various departments and agencies.

Leaseback Programs

Among our more popular programs is the leaseback option. Basically, this allows clients to sell us existing equipment for an up-front lump sum of capital while leasing it to retain access to it. The result is the ability to put a large capital sum to work expanding or restructuring the company without losing any productive capacity.

B, C, and D Credits

Many companies stay on their feet during hard times at the expense of their owners’ credit. This program exists to provide scaffolding, so that our clients can restructure productively, building a renewed, sustainable company with restored financial health.

Lease Through Us

No matter what kind of work you do, the advantages of commercial equipment leasing programs are clear. Contact us today to see what we can do to structure your company’s equipment expenses efficiently, so you always have the working capital you need.

Franchise Financing

Franchise Financing for New Purchases and Reinvestment

Our financial products for franchise owners are here to assist you with every stage of your business’s development. From acquisition to refinancing, we offer a variety of packages that are not only competitive with general business rates, but that also take into account the value represented by your franchise’s brand. Whether you are looking to fund new real estate, equipment, renovations, or expansions, our products are designed to give you everything you need. Rates are competitive, and our fast-tracked approval process ensures franchise financing that moves at the pace of your business, no matter how quick you need it to be.

Program Criteria, Features, and Rates:

These criteria make our franchise loan options accessible to any client, at any stage of franchise ownership. We have experience working with clients who are adding locations, those who are adding on to a location, and also those who are moving into franchise ownership for the first time. Get in touch with one of our representatives today, and learn more about how the Lavan Financial Group can lend you more than just franchise financing—we can also lend you our working expertise as leaders in this industry.

  • Loan-to-Value ratios of up to 90%
  • Extra cash for Working Capital
  • Rates as low as 6% for qualified clients
  • Fast closing and commitments
  • Affordable options for first time owners
  • Up to 25 year terms
  • No Pre-Payment Penalties

Healthcare Financing

Enhance Your Medical Practice’s Operations With the Right Financing

Running a medical or related practice, you need a constant stream of capital to keep your operations running. This is where our professionals at Lavan Financial Group come in. We provide healthcare financing options to doctors, dentists, veterinarians, and chiropractors.

Types of Financing We Offer

There are several different financing options we have made available to those in the medical industry. These include the following:

  • Equipment leasing—if you so desire, we can provide you with an equipment loan and a lease at the same time.
  • Practice acquisition financing—would you like to buy out a current partner? Or, do you have plans to acquire a new practice? We have the capital you need to make this happen.
  • Debt consolidation solutions—we can finance your practice’s debt into one low monthly payment. If you choose to take advantage of this program, we can provide you with notice of approval within 24 hours and consolidate your debts in a week’s time.

In addition to these programs, we also offer working capital solutions to those in the medical industry. This funding can be used to expand your practice, consolidate your debts, fund your operations, or however you see fit.

Contact Us Today

At Lavan Financial Group, we are committed to the success of your practice. Please contact us today to find out more about the various financing solutions we have available.

Merchant Cash Advance

Give Your Operations a Boost With a Merchant Cash Advance

As a small business owner, you realize what a time consuming challenge it can be to acquire funding through traditional lending channels. If you are interested in alternative funding solutions, at Lavan Financial Group, we strongly encourage you to consider a merchant cash advance. An effective alternative to a small business loan, we can give you an advance worth up to $200,000 for every location that you operate on future credit card sales.

The Benefits of This Program

There are many different benefits associated with acquiring an advance against your business’ merchant accounts. Best of all, with a merchant cash advance, your business does not lose any of its valuable equity.

These include some of the following:

  • We do not require you to pay for an application fee or closing costs on the advance.
  • Once you acquire the advance, you do not have to make fixed payments on it.
  • We make paying back the advance a simple, streamlined process.

Reach Out to Us Today

At Lavan Financial Group, we would be more than happy to consult with you and determine if this funding solution is the right option for your unique operations. As a trusted leader in the commercial finance industry, we are committed to your business’ success. Please contact us today to set up a consultation or to find out more about the various funding solutions we provide.

Purchase Order Financing

Make Your Life Easier With Purchase Order Financing

At Lavan Financial Group, we are proud to offer purchase order financing solutions to those who need to import or export goods or produce pre-sold merchandise. We realize that as a business owner, one of the biggest challenges you have to overcome is locating the funding needed to acquire inventory.

We provide Letters of Credit for trade finance, production financing solutions for work in process, and financing for domestic trade purchases. Regardless of whether you are a distributor, producer, wholesaler, or a reseller, we are confident that we can successfully meet your financing needs.

Why You Should Acquire This Financing

There are many different benefits associated with our purchase order financing program. These include some of the following:

  • You enable your operations to grow without selling valuable equity or taking on additional bank debt.
  • You make sure that you’re able to get deliveries to your customers on time.
  • By fulfilling larger orders, you can increase your business’ profits and your market share.

We allow you to enjoy these benefits because our financing program is complemented by fast and flexible funding solutions.

Reach Out to Us Today

Lavan Financial Group can afford an abundance of workable solutions to help meet the funding needs of your business. For more information, please contact a representative today to learn all that we can do for you.

Small Business Loans

Turn to Us for Your Small Business Financing Needs

Running a small business, locating the financing you need to maintain the success of your operations can be a challenge. This is where our professionals at Lavan Financial Group come in. The Small Business Association has designated us as a Preferred Financial services provider. As a result, we are able to provide and fund loans from the SBA in a seamless and efficient manner.

Our Programs

As a provider of small business loan options, there are several different beneficial financing options that we have to offer. These include some of the following:

  • Commercial and industrial real estate financing—through this program, we can provide you with the funding you need to purchase, build, refinance, or renovate a variety of different property types, including a restaurant, gas station, auto dealership, repair shop, or motel. Through this particular program, we also provide equipment leasing options, existing business acquisition loans, and loan worth up to $5 million.
  • 7(a) loan program—if you need long-term, permanent financing, this may be the right program for you. However, please keep in mind that since this financing is provided through the SBA, you must meet their qualifications.
  • 504 loan program—our 504 loan program, which is also provided through the Small Business Administration, can help you acquire a first mortgage, a second mortgage, or a loan for a specific project. Like our 7(a) loan program, you must also meet certain pre-determined eligibility standards.

We pride ourselves on providing customized solutions to every one of our clients. For this reason, when you turn to us, we will work with you to determine which of these programs would be the best fit for your operations.

Give Us a Call

If you would like to know more about what you can do to acquire a loan for your small business, please don’t hesitate to reach out to us at Lavan Financial Group. As trusted leaders in the commercial finance industry, we are confident that you will benefit from the way we manage your transaction.

Stated Income Commercial Real Estate Loans

A Beneficial Alternative to Traditional Loans: Stated Income Funding

If you are looking for a beneficial alternative to a traditional commercial loan, at Lavan Financial Group, we strongly urge you to consider a stated income commercial real estate loan. When you apply for one of these loans, the emphasis is not placed on your personal credit history. Rather, it is placed on the actual piece of real estate being financed. As a result, the approval process is designed to be quick and efficient and you will likely have to submit much less documentation than if you were going to be applying for a traditional loan.

How to Use a Stated Income Loan

There are many different ways you can use a stated income loan for commercial real estate purposes. These include the following:

  • Buy property –if you find the perfect investment property, or lack the funding needed to purchase property because your funding is being used for rent, we can provide you with the capital you need to make a sound purchase.
  • Consolidate your debts—would you like to consolidate your equipment leases and credit card debt or pay off the IRS? Doing so can help you save thousands of dollars on a monthly basis.
  • Improve a piece of property –whether you want to expand your location’s parking lot or you need to replace your building’s roof, we can provide you with the funding you need to do these renovations.
  • Working capital –having enough working capital to use can help you take advantage of bulk purchasing incentives on inventory. Or, it can ensure that you have enough cash to take care of expenses while you wait for receivables to come in.

Additionally, you can use one of these loans to refinance an adjustable rate or balloon mortgage.

Contact Us Today to Learn More

If you have any questions about stated income commercial loans, please contact us at Lavan Financial Group today. We look forward to hearing from you and to meeting the specific funding needs of your operations.

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CONTACT INFO - 6 Landmark Square Suite 400 | Stamford, CT 06901 | (203) 308-4547 | info@lavanfinancialgroup.com

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