Unsecured Small Business Expansion Loan    

AFSLoansOnline.com specializes in unsurpassed efficiency and knowledge in helping your sole proprietorship, partnership, LLC, S-Corp, or General C Corp acquire unsecured small businesses loans for expansion and credit lines for day to day operation cash flow costs to solve your financing needs.

An Unsecured business loan is defined as a business loan where you are pledging no collateral. You are exercising and rewarding your years of being a good credit risk. With an unsecured business loan, the lender, financer, bank or other institution looks at your ability to repay the loan as well as your personal credit score and other factors such as time in business and their own "stability formulas" in determining whether you qualify as a suitable risk to borrow unsecured funds from them. While it may take a minimum credit score of approximately 700+, your personal and business credit rating has an almost inverted yield curve when compared to the percentage rate a lender will charge you for an unsecured business loan or a line of credit. Most of the time, the higher your credit score is, the lower the annual percentage rate is that you will pay to borrow the financial capital. So as your personal and business credit rating goes up, the cost to borrow unsecured loans and other business capital to expand your business goes down.  Also, your higher score on the consumer credit reports like Experian, Equifax, or TransUnion delivers you a greater chance to be approved for an unsecured business loan for your company.

Invoice Factoring -

How can AFSLoansOnline.com use factoring invoices for securing a business loan?

While invoice factoring is a solution to borrow short term funds, it has a downside when comparing it to unsecured business loans. Invoice factoring is merely selling your invoices at a discount to what they are worth in order to raise capital for your business. When compared to an unsecured loan the downside is that you are securing the loan with your invoices. In most cases, you are actually selling existing and future orders at a discount. A problem can arise if the invoices that you sell do not have enough mark-up on the product or service. In such a case for example, if you sell your invoices for a 25% discount, but your markup was only 10%, you can lose that 15% overnight, making your annual loss for your product or services astronomical. Alos, selling invoices has very little to do with your credit and everything to do with you clients credit scores. So the bank of factoring company that buys your receivable is going to contact you clients to make sure that they have good credit. This can sometimes lead to your clients to believe that you are having trouble and flee as an account. That is counterproductive because you want the capital to expand, not contract. However, with an unsecured business loan, it’s discreet between you and the lender; your clients never have to get wind of it. Also, you may only pay prime interest or close to prime interest rates to borrow the money if your credit qualifies. In the end, an unsecured business loan will save you a ship load of cash that you can put to better use expanding you growing company discreetly.

Accounts Receivable Secured -

Securing your accounts receivables to obtain financial resources is not as simple as it first appears and you must choose your financing options wisely.

Account receivable secured is no doubt a better loan solution than an invoice factoring for such needs as business expansion, but is it the correct decision? Consider whether you in fact have the type of accounts receivables that a bank would lend against. What lenders look to for security when they secure a business loan against accounts receivable is the actual credit ratings of your customers. After all, if the bank is going to take a receivable as collateral, they need to know that your customer will pay them in case of a default. What happens in this type of loan is not good for business. Your customers may get phone calls from the lenders verifying the terms and condition of the accounts receivable and they may go as far as pulling credit reports on your customers that you have extended credit to. Sometimes this can worry your customers that you may be experiencing financial problems and that can prompt them to look for other suppliers than your company, driving business away. That is counterproductive since you wanted to expand your business and not shrink it. Staying away from securing a loan with accounts receivables is a good idea when expanding your business, it would be a much better solution to apply with AFSLoansonline.com and let us round you up the money that you need with unsecured loans at reasonable interest rates. 

AFSLoansOnline.com will assist you in finding lenders that will grant your business an open line of credit. You can go back every 90 days and ask for your credit line to be increased.

Actually, lines of credit and especially unsecured lines of credit are a perfect solution for an expanding business. By obtaining an unsecured business line of credit you are enjoying the benefits of an unsecured loan, yet you are only paying interest on the money when you use it. For example, if you are expanding your business at the spending rate of $20,000 per month for five months, you will only be paying interest on the entire $100,000 after the fifth month. On the other hand, if you were to take out a loan for the same $100,000, you would be paying interest on that loan from the very first day that you signed for it. So, in many cases where you don’t need the money to make a large equipment purchase, a business expansion line of credit would be perfect for your situation.

Merchant Credit Card Factoring -

Merchant credit card factoring is mainly a retail type of financing that lets a business owner borrow money against invoices through MasterCard, Visa, and other credit card swiping machines and each swipe gets split between the borrower and the lenders.

Merchant credit card factoring is a way that retailers who collect most of their money from swipes through the credit card machine and accept mainly Visa card or MasterCard can borrow money against future swipes and then get charged a portion of the future credit card sales until the loan is paid back. The problem that we have found with the merchant credit card factoring is that when you start to add up the way you are being charged, the interest rates and hidden charges can hit 30% annualized. No business can grow and expand paying those kinds of interest rates. Be very careful when accepting merchant credit card factoring as a financial source for your lending needs because your charges are not called an APR which you would understand, that would be too easy for you. No, in the credit card factoring world they like to use euphemisms such as processing fees and other nonsensical colloquialisms, and financial jargon. However, when you add it up it’s still triple the money that you would ever spend leveraging your good credit and applying for a business unsecured loan or line of credit. Apply today and you will have an answer within 24 - 72 hours!

Commercial Lending -

Commercial Lending is a large commercial real estate loan.

You need real estate for this type of loan and lots of it. Most commercial loans start at $250,000 minimum and can work their way up into the millions. If you are a developer that develops on a large scale, like developing malls and office buildings, this could be a good loan to look at. But if you are like most small businesses that have anywhere from 3 – 25 employees, this probably is a little more than you would want to chew off. And the truth is that this is a fully collateralized loan using commercial real estate. So, if you need the money and have commercial property that you own, this is not a bad solution. But if not than go ahead and give us a call and we’ll help you find the right unsecured business loan for your company’s expansion needs.

Business Loan | Business Line of Credit | Unsecured Business Loan | Unsecured Business Line of Credit

Accounts Receivable Financing | Debt Consolidation| Invoice Factoring | Credit Cards | Emergency Funds | Merchant Credit Card Loans | Commercial Lending | Small Business Credit Line | Finance   

Business Expansion-

Expanding the company size and workplace is an important step in your companys future and you need to know that you have the financing in place to meet your business goals.

Your Business can grow faster than your ability to finance it. There are a few obvious solutions to this extremely fortunate problem. The first and best solution is to get an unsecured business loan to cover the costs of expansion and to keep your business healthy and thriving. The beauty of dealing with AFSLoansonline.com is that we can get you approval for funds you need to keep expanding you company usually within 24 – 48 hours after you apply. Your next option is to reduce your sales and marketing to slow down demand for your product or service. While it is may seem prudent to grow organically with the profits and grow slower, that is usually not the best course of action because of the old adage, “Strike while the iron is hot”. You don’t want to delay growth and expansion if you have a product or service that is in demand; you want to capitalize on the increase demand. So, apply today for an unsecured line of credit and keep your business healthy and you production strong. The profits will follow!

Working Capital-

A small business working capital line of credit or loan can get your business through the bumpy times.

Working capital unsecured business loans and line of credit can be used for such simple things as paying your company expenses such as telephone, internet, insurance, and a hand full of other costs. Payroll is a very common reason that small businesses nationwide choose AFSLoansonline.com to assist them with acquiring the capital necessary to make ends meet. Many times a small working capital loan or line is all that you need to tide you over until that big account that you have been working so hard on has finally paid their invoice and your cash flow is back to normal. Apply Today and have an Answer within 24-72 hours!

Debt Consolidation-

Consolidate your business debt to smaller monthly payments.

There is no need to pay 20% + APR on a few old credit cards just because you don’t have the time to look for financing. Call AFSLoansOnline.com today and we’ll have you applied for a debt consolidation loan that reduces your interest rates in mere minutes your loan application will be in front of decesion makers and most approval come within 24 – 48 hours. So there is no excuse to wait, call today and start putting that extra interest back in your pocket where it rightfully belongs. So, exercise your good credit rights, and apply for an unsecured business loan today!        

The busy season is right around the corner and you need a small business seasonal inventory loan to accumulate the inventory to meet your customers growing demands.

When that hot and heavy season hits and you need a load of goods to service your customers,  it doesn’t matter if you are a wholesaler, retailer, or distributor because AFSLoansOnline.com will find the bank or lender that’s right for you. Apply today and have an answer within 24 -72 hours!

Business Loan | Business Line of Credit| Unsecured Business Loan | Unsecured Business Line of Credit

Accounts Receivable Financing| Debt Consolidation | Invoice Factoring| Credit Cards| Emergency Funds| Merchant Credit Card Loans | Commercial Lending | H2>Small Business Credit Line | Finance

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