Innovative Commercial Capital

"While many banks have scaled back their exposure to business credits, many non-bank?small business lenders?are ready to fill the funding gap left when banks began to tighten. When a clear view of the economy unfolds, we expect 2025 to emerge as a prosperous and exciting year for business owners. Small business owners will confront a shifting financial terrain in 2025, with fluctuating interest rates and evolving funding sources. Tapping into private credit,?SBA loans, CRE equity, and tech-driven lending platforms offers vital support for cash flow and capital purchases, helping businesses move forward amid economic uncertainty. Private credit remains a cornerstone of flexible financing, delivering custom-fit?solutions?with rates that adjust to market conditions. Breaking from the rigid structure of traditional loans, private credit adapts to each business’s unique needs, empowering owners to manage liquidity and seize growth opportunities. As interest rates change, private credit adaptability becomes crucial for maintaining financial stability. SBA loans and CRE equity expand funding possibilities.?" https://lnkd.in/dJtFKKW6

Small businesses are facing a host of economic challenges, from rising inflation to stricter lending practices by traditional banks and shifting market dynamics. In this environment, securing a small business loan can be a crucial strategy for maintaining operations, navigating disruptions, and fostering growth. As traditional banks tighten their lending requirements, many small businesses are turning to private and alternative lenders for flexible, faster, and more accessible financing options. By strategically using loans to address immediate financial needs, invest in technology, and adapt to changing market conditions, small businesses can position themselves for long-term success, even in the face of economic uncertainty. Understanding the evolving lending landscape and securing the right type of financing will be key to thriving in this challenging environment.

Understanding Your Loan Application Process A prepared client has the faculty of a much quicker approval, and much higher odds of an approval. Learn how to increase your, or your clients' approval odds, below. Innovative Commercial Capital goes above and beyond with resources to help clients - with access to trusted bookkeepers, or CPA's to assist with financial documents/taxes to prepare, Attorney's, and Business Plan specialists as well (if needed) to get it done. Ranging from Small Business Loans to Commerical Real Estate loans. Reach out to: [email protected] https://lnkd.in/eZh9t8KQ "Securing a loan for your business is a significant milestone, but the path to approval requires careful preparation. One of the crucial aspects of this preparation is compiling the necessary financial documents. In this comprehensive guide, we will outline the essential financial documents, provide a step-by-step roadmap for businesses seeking loans, and emphasize the importance of financial readiness for a successful loan approval." https://lnkd.in/eUJna2jb

Working capital statistics: "54% of companies that secure some or all of the funding they apply for put the money toward improving cash flow, organizing working capital, and enhancing daily operations (Babson). 40% of companies struggle to pay operating expenses, which is the top financial challenge for businesses (Federal Reserve). 31% of businesses struggle with credit availability to pay for operating expenses (Federal Reserve). 27% of companies cite debt repayment as their biggest cash flow challenge, and adverse debt keeps 25% of businesses from seeking working capital (Federal Reserve). 17% of businesses report challenges with purchasing inventory or supplies to fulfill their contracts (Federal Reserve). While global business revenues are up 10% from 2018, operating cash flows have declined (PwC). Global working capital has increased by 9.4% since 2017 (PwC). Overall, there has been a 3.8-day decrease in business’ days payable outstanding since 2017 (PwC). A lack of business access to working capital can lead to canceled investments in technology and equipment, reduced employee pay or downsizing, and contribute to national unemployment (Babson)." Reach out to: [email protected] https://lnkd.in/eZh9t8KQ https://lnkd.in/e4xwDPFW

Reach out to: [email protected] #commercialcapital #expansion #equipment #locationexpansions #medical #lab #manufacturing #construction #tech #office #restaurants

Considering Business Expansion: What Lending Options are Available?

"A Forbes Advisor survey sought to identify how business owners used funds from their latest business loans. Respondents had the option to select up to three choices. According to the survey, a significant proportion of business owners used the funds for business expansion, with 42.4% selecting this option as one of their top three choices.?Equipment purchases came in second place, cited by 29.4% of respondents, while marketing and advertising accounted for 28.6% of the loan usage. Business franchising was the next most popular reason to seek financing, with 27.6% of respondents citing it as a factor, closely followed by commercial real estate purchases/remodeling at 26.8% and business acquisitions at 25.4%.?Other common reasons included: Inventory purchases (24.2%) Cash flow for everyday operations (22.4%) Payroll expenses (21.8%) Debt consolidation/refinancing (18.6%) These findings shed light on the priorities of business owners as they look for ways to grow and develop their companies." https://lnkd.in/g4imUJ3a

Navigating the Latest Fed Rate Cut - Small Businesses and Real Estate Investors. What now? #commercial #commerciallending #alternativelending #rates #ratecuts #advisement #innovativecommercialcapital

Understanding the New SBA 504 Rule: Simplifying Refinancing for Small Businesses The changes to the Small Business Administration (SBA) 504 loan program aim to make refinancing more accessible and beneficial for entrepreneurs. This blog post delves into the details of the new SBA 504 rule and how it can help small businesses thrive. What is the SBA 504 Loan Program? The SBA 504 loan program is designed to provide long-term, fixed-rate financing for small businesses to purchase major assets, like real estate or equipment. Key Changes to the SBA 504 Rule The updates to the SBA 504 rule introduce several changes aimed at simplifying the refinancing process. Here are the key highlights: 1. **Expanded Eligibility Criteria**: The new rule broadens the criteria for businesses eligible for refinancing. This includes businesses that have previously taken out other types of loans, making it easier for a wider range of small businesses to benefit from the program. 2. **Reduced Fees**: The SBA has lowered certain fees associated with the refinancing process. This reduction in costs can provide significant savings for small business owners looking to consolidate their debt or take advantage of lower interest rates. 3. **Streamlined Application Process**: The application process for refinancing under the SBA 504 program has been simplified. This means less paperwork and quicker turnaround times, allowing small businesses to focus on their operations rather than getting bogged down in bureaucracy. 4. **Greater Flexibility in Use of Proceeds**: The revised rule allows more flexibility in how refinancing proceeds can be used. This includes using funds to cover business expansion or working capital needs, in addition to simply paying off existing debt. Benefits of the New Rule for Small Businesses The new SBA 504 rule brings several benefits to small business owners: - **Lower Monthly Payments**: By refinancing existing debt at lower interest rates, businesses can reduce their monthly payments, freeing up cash flow for other operational needs. - **Access to Better Loan Terms**: The opportunity to refinance into better loan terms can significantly impact a business’s financial health, allowing for better planning and investment in growth. - **Increased Investment in Growth**: With more capital available, small businesses can invest in new equipment, hire additional staff, or expand their operations, contributing to overall economic growth. - **Stability in Uncertain Times**: The fixed-rate nature of SBA 504 loans offers stability, helping businesses manage their finances more effectively, especially during economic fluctuations. For small business owners looking to refinance, now is an opportune time to explore the benefits of the SBA 504 loan program. As always, it’s advisable to consult with an advisor familiar with the program to determine the best course of action tailored to your specific needs. [email protected]