1. SBA Loans
These are government-backed loans designed to help small businesses. There are a few types that cater to different business needs:
SBA 7(a) Loan Program:
Max Loan Amount: $5 million
Use: Working capital, equipment, real estate purchase, debt refinancing.
Terms: Up to 25 years for real estate; 10 years for equipment; 7 years for working capital.
SBA 504 Loan Program:
Max Loan Amount: $5.5 million
Use: Long-term financing for major fixed assets like equipment or real estate.
Terms: 10, 20, or 25 years.
Typically requires two loans: one from a private lender and one from a Certified Development Company (CDC).
SBA Microloan Program:
Max Loan Amount: $50,000,000
Use: Working capital, inventory, or startup expenses.
Terms: Up to 6 years.
2. Conventional Commercial Loans
These loans are provided by traditional lenders like banks and credit unions for businesses that meet their lending criteria without government backing.
Commercial Real Estate Loans:
Max Loan Amount: Varies (Typically no limit based on creditworthiness and collateral)
Use: Purchase, refinance, or improve commercial real estate.
Terms: Usually 5, 7, or 10-year terms with amortization over 20-30 years.
Interest Rates: Can be fixed or variable.
1-Business Lines of Credit:
Use: Working capital for short-term cash flow needs.
Terms: Revolving credit, typically between 1 to 3 years.
Interest Rates: Variable, usually tied to prime rate.
2. Bridge Loans
These are short-term loans to help businesses "bridge" the gap between financing needs, often used for immediate real estate transactions or working capital.
2- Bridge Loans:
Max Loan Amount: Up to 80% LTV (Loan-to-Value)
Use: Temporary financing for property acquisition or renovation before securing long-term financing.
Terms: 6 months to 3 years.
Interest Rates: Generally higher than conventional loans due to short-term nature (rates often range from 6% to 14%).
3- Asset-Based Bridge Loans:
Use: Secured by company assets such as inventory, equipment, or accounts receivable.
Terms: 6 months to 2 years.
Interest Rates: Higher than conventional loans.
4. Other Specialized Loan Programs
Mezzanine Financing: Often used by companies looking to expand, this is a hybrid between debt and equity financing.
Max Loan Amount: Varies.
Use: Business expansion, acquisition, or large projects.
Terms: Often 3-5 years.
Interest Rates: Higher than conventional loans but with flexible terms.
Hard Money Loans: Secured by real estate, often used for fix-and-flip properties or urgent purchases.
Max Loan Amount: Typically 60-70% LTV.
Use: Real estate acquisitions, renovations.
Terms: Short-term (12 months to 3 years).
Interest Rates: Higher (8% to 15%).
5- C-PACE loan
Our C-PACE loans provide the perfect solution for financing energy-efficient upgrades and renewable energy projects.
Why Choose C-PACE Loans?
Flexible Financing: Fund up to 100% of your project costs, including energy-efficient upgrades, renewable energy installations, and other qualified improvements.
Long-Term Benefits: Enjoy repayment terms that align with the lifespan of your improvements, often extending up to 20 years.
No Personal Guarantees: C-PACE financing is tied to the property, not the owner, allowing for greater flexibility and less personal financial risk.
Increase Property Value: Enhance your property’s marketability and value while reducing operational costs with sustainable upgrades.
What Can You Finance?
Energy-efficient HVAC systems
Solar panel installations
Energy-efficient windows and insulation
Water conservation systems
And much more!
6- Equipment Financing:
Maximize Your Business Potential with Equipment Financing
Unlock Growth and Efficiency
Investing in new equipment is crucial for keeping your business competitive, but the upfront costs can be daunting. With our equipment financing solutions, you can access the latest technology without draining your capital.
Key Advantages of Equipment Financing:
Fully Tax-Deductible Payments:
Enjoy significant tax benefits! Equipment financing payments can often be fully deducted as business expenses, reducing your taxable income and providing immediate cash flow relief.
Preserve Capital:
Keep your cash reserves intact. Equipment financing allows you to acquire the necessary machinery and tools without the hefty upfront investment, enabling you to allocate funds to other critical areas of your business.
Flexible Terms:
Tailor your financing to meet your cash flow needs. We offer customizable repayment plans to match your business cycle, making it easier to manage your finances.
Stay Competitive:
Access the latest equipment and technology without the burden of large capital expenditures. Enhance productivity, improve efficiency, and maintain a competitive edge in your industry.
Conserve Credit Lines:
Financing equipment means you don’t have to tap into your existing credit lines or savings. Preserve your financial flexibility for unforeseen opportunities or challenges.
7- Ground-Up Construction Loans
For new developments, Rad Capital Group offers ground-up construction loans that fund each phase, from initial site work through to completion. These loans provide the flexibility and liquidity to manage ongoing construction costs, ensuring that your project progresses on schedule.
Bridge-to-Construction Financing
Our bridge-to-construction loans provide interim financing that allows you to secure land or begin pre-development activities while arranging long-term construction financing. This flexible solution is ideal for projects that require immediate capital to get started.
8- Mezzanine and Preferred Equity Financing
For developers looking to enhance their capital stack, we offer mezzanine loans and preferred equity options to supplement senior construction loans. These financing solutions help you increase leverage, optimize capital efficiency, and reduce equity requirements.
Permanent Takeout Financing
Upon project completion, we can assist with permanent financing solutions to refinance construction debt. These takeout loans offer stabilized, long-term financing with favorable terms, allowing you to transition smoothly from construction to occupancy.
Quick Approval Process:
Get the equipment you need when you need it. Our streamlined approval process ensures you can access funding quickly, minimizing downtime and keeping your projects on track.
