Government Grants Funding for a non-profit organization, usually for specific research or a specialized project. The Farm Credit System is a network of lending institutions providing credit to farmers, ranchers, and producers or harvestors of aquatic products. Finance Directory A resource of information that details the lending and investing criteria of funding sources. Hard Money Lender Private lenders and fast cash access. Equity loan is an investment of financial and human capital in partnership with management to create new opportunities. Equity participation deals include clauses and conditions under which the lender shares in the increase in equity of the business. Financing by selling common stock or preferred stock to investors. A firm engaged in the business of financing accounts receivable, called factoring. A building where the land underneath is rented. Government small business loan finders provide businesses with much needed capital financing through the SBA 7(a) loan program. We actually make the loans and the SBA guarantees them. It is important to understand that the SBA has no funds for direct lending or grants. Factoring government receivable invoices is a fairly common practice to avoid cash flow problems for small, growing businesses. One of the main reasons you should sell your invoices for immediate cash is to eliminate the strain of 30, 60, or 90 day pay delays. You need your money now. Equity Capital Typically capital raised from owners in the company. Factoring Invoice Bring Tomorrow's Money in Today or the selling of an accounts receivable invoice to a "factor" benefits your business with the cash flow it needs. Government Business Lender Specializing in small business loans. Government business lender funds provide small businesses with much needed capital financing through the SBA 7(a) loan program. We actually make the loans and the SBA guarantees them. It is important to understand that the SBA has no funds for direct lending or grants. The selling of a company's accounts receivables, at a discount, to a factor who then assumes the credit risk of the account debtors. The factor then receives cash from each of the debtors as they settle their accounts. A debt under which the borrower has no personal liability. Office equipment leasing keeps today's dollars working towards tomorrow's success. A law of business says, "Don't put your cash in depreciating assets." Leasing allows you to pay off the equipment as income is earned from its use. Participating loan financing is a loan that contains clauses and conditions under which the lender participates in the revenues of the property. The level of participation may be calculated from the gross receipts, net operating income, net income or net cash flows of the property. Participating mortgage is a loan that contains clauses and conditions under which the lender participates in the revenues of the property. The level of participation may be calculated from the gross receipts, net operating income, net income or net cash flows of the property. Heavy Equipment Financing Traditional and non-traditional lending. Heavy equipment financing by means of a traditional or non-traditional loan can still be a more sensible route than a lease. Import Export The SBA supports export financing to small businesses when financing is not otherwise available on reasonable terms. The program encourages lenders to offer export working capital loans by guaranteeing repayment of up to $1 million or 90 percent of a loan amount, whichever is less. Heavy Equipment Leasing Gaining momentum. Heavy equipment leasing is gaining more and more momentum as business owners are leaving behind misconceptions and beginning to understand the benefits. Import and export financing provides importers who have orders from customers in the United States, or foreign customers backed by a letter of credit, with the necessary financial backing to provide their overseas supplier with a letter of credit to guarantee payment of goods. Real estate developed or bought for the purposes of generating income. To be competitive today you must be able to move quickly, produce a quality product, and meet demanding delivery schedules. While a lease can address these needs, a traditional or non-traditional loan may still be the better way to go Hotel Financing Purchase or refinance your hotel or motel. Institutional Financing Financing provided by an institution, as opposed to individual investors. Intangible Asset Something of value that cannot be physically touched, such as a brand name, franchise, trademark, or patent Intellectual Property Any intangible asset that consists of knowledge or ideas. Import and Export Financing Import export finance programs are supported by the SBA and exist to aid the financing of small businesses engaged in importing and exporting of goods. These programs have helped many small businesses over the years obtain financing when other loan programs are otherwise not available on reasonable terms. The program encourages lenders to offer export working capital loans by guaranteeing repayment of up to $1 million or 90 percent of a loan amount, whichever is less. Interest Rate Interest per time, divided by principal amount, expressed as a percentage. Mortgage Debt A debt created by a mortgage and secured by the lien property. Mortgage Lien A legal claim against a mortgaged property that must be paid or assumed when the property is sold. Mortgage Loan A loan to finance the purchase of real estate, usually with specified payment periods and interest rates. Open End Credit An agreement by a lender to lend a specific amount to a borrower and to allow that amount to be borrowed again once it is repaid. Office Equioment Financing Office equipment financing with a lease just makes more sense than buying. Leasing gives you financial flexibility, helps address changing technology needs quickly, and may offer tax advantages as well. Operating Lease The lessor handles all maintenance and servicing for the property that is leased. Municipal Equipment Leasing State governments and agencies,County governments and agencies, City governments and agencies, Other public entities funded by state and local taxes. Interim Financing These loans range from 6 months to 5 years with the most typical term being 3 years.