Pledging Assets Offering assets to a lender as collateral for a loan. Promissory Note A document where the borrower promises to repay a loan under agreed upon terms. Private Placement Private placement financing is now available to companies that are currently seeking private placement offerings and also to those who will need assistance in structuring the Rule 506 exemption, Regulation D private placement offering. Pre-Qualified Funding Pre-qualified funding is the process of pre-qualifying your business funding request before you apply. That requires that you know the exact funding guidelines of every funding source. SBIC A private investment company co-funded by the Small Business Administration to provide small business with either debt or equity financing. Capitalization The debt and/or equity mix that funds a firm's assets. SBA Loan Program Help your small business secure a much needed loan. The funds can be used as capital resources which allow you to start growing your business. SBA Loan SBA loan funding or government small business loan financing offers a wide variety of loan guarantee programs to fund small businesses that can't otherwise qualify for loans on reasonable terms. Commercial lenders make the loans and the SBA guarantees them, as the SBA has no funds for direct lending or grants. Commercial Real Estate Lenders Commercial real estate lenders services are available on all types of income-producing and commercial properties. Commercial Property Loan Loans to expand or improve your existing business and loans to refinance existing debt. Rollover Mortgage A loan for which the unpaid balance is refinanced after a few years at the current rate. SBA Lenders It is a prevailing misconception that a business needs to be in financial distress in order to qualify for a SBA loan. The truth is, many healthy companies obtain SBA backed financing every day. Commercial Mortgage A loan secured by the collateral of some specified real estate property that obliges the borrower to make a predetermined series of payments. Commercial Leasing Financing your way, not the big bankers way. Commercial Construction Loan Commercial construction loan provides funding for the construction of commercial and multi-family buildings. Commercial Mortgages A loan secured by the collateral of some specified real estate property that obliges the borrower to make a predetermined series of payments. Cash Flow Earnings before depreciation, amortization, and non-cash charges. Commercial Loan Finance A short-term loan, typically 90 days, used by a company to finance seasonal working capital needs. Commercial Mortgage Lender A loan secured by the collateral of some specified real estate property that obliges the borrower to make a predetermined series of payments. SBA Commercial Loan SBA commercial loan funding is just what the Small Business Adminstration is about. So, if you are thinking about borrowing money (debt financing) from a bank, but are unable to . . . then consider obtaining financing from the Small Business Administration (SBA) Commercial Loan A short-term loan, typically 90 days, used by a company to finance seasonal working capital needs. Asset Loan A short-term loan where the repayment source is the conversion of an asset into cash. Asset Backed Securities Bonds or notes backed by loan paper or accounts receivable issued by banks, credit card companies, or other credit providers. Apartment Building Financing Multifamily finance providers or apartment building financing must have thorough knowledge and awareness of available debt programs and be prepared to quickly analyze financing options. Angel Investor Guide Angel investors provide roughly one-seventh of the 300,000 or more start-up and early-growth firms in the U.S. with some form of funding. Angel Investor Guide Angel investors provide roughly one-seventh of the 300,000 or more start-up and early-growth firms in the U.S. with some form of funding. Acquisition and Develpoment Acquisition and development financing provides you with long-term, fixed-rate financing for major fixed assets. Accounts Receivable Debt which is owed to a company by a customer for products or services provided on credit. Accredited Investor Any director, executive officer, or general partner of the issuer of the securities being offered or sold, or any director, executive officer or general partner of a general partner of that issuer. Certain restricted offerings, limited partnerships, and angel investor networks are open only to accredited investors. Opposite of nonaccredited investor. Account Receivable Funding A convinient way of acquiring working capital by selling the invoice for a product or service that has been rendered. Account Receivables Financing The selling of a company's accounts receivable, at a discount, to a factor, who then assumes the risk of the account debtors and receives cash as the debtors settle their accounts. Account Receivables Factoring The selling of a company's accounts receivable, at a discount, to a factor, who then assumes the risk of the account debtors and receives cash as the debtors settle their accounts. Account Receivable Credit Line Your invoices to your customers for goods delivered or services rendered can be converted into a "credit line" from which you may draw cash to manage your business. Investor The entity who makes investments. Raw Land Loan Financing for undeveloped, unused land. Land Lease A lease in which only the land is rented. Fund To finance or underwrite. Primary Offering The initial sale of a company's stock. Permanent Financing Long term debt or equity financing. Capital Money invested in a firm. Business Lender Businesses that provide loans to others. Hard Money Loan Private lenders and fast cash access. Going Public The process of an initial public offering. Business Finance managing your business money.