Pacific Business Lending

Pacific Business Lending is a specialist in funding all types of specialty trucks and construction equipment. We work directly with equipment dealers or end users. Our specialty is less than perfect credit or people who have been turned down by traditional sources. We can approve a construction equipment loan in 24-48 hours or less. Normally, we do not require financial statements or tax returns on any transaction up to $250,000. We also have a preferred rate program for better credits. 

Equipment leasing is an effective way for companies to procure the items needed for operating a business. Pacific Business Lending offers extensive customer service to help businesses find a wide variety of items. With a wide array of leasing options, types of financing, and efficient customer service, business owners have a multitude of options they may never have even realized existed.

Types Of Leases We Offer

• Application only to $250,000 without need for financial statements
• Middle market financing up to $500,000
• Large ticket for financing over $500,000

Programs are offered to companies established for two years or more. Approvals for equipment leasing applications provided in only 24 hours. Middle market and large ticket may take between three and five days. Customers receive up to 84 months to repay with excellent rates.

Lease Purchase Financing

As cities, counties, schools, fire districts, and other municipal entities work to serve their communities, they often need equipment but are without the immediate financial resources to address those needs. At Pacific Business Lending we specialize in lease purchase financing, allowing municipalities to efficiently purchase vital equipment such as fire trucks or new computers without large up-front cash payments.  We can also finance both new and used equipment.

Simple Funding Program 

Municipalities and nonprofit organizations need funding for equipment and property to support their communities, but the finance process can be confusing and time consuming.  Lease purchase financing through Pacific Business Lending is the answer with our Simple Funding Program.  For equipment or property less than $500,000, our clients simply complete a one page credit application and submit one year of financial history.  Once credit is approved, contracts are drawn up.  Simply and easy.

Get No Hassle Quick & Easy Cash Up To $150,000 for Any Use in Under 7 Days

Step 1 - How to Qualify:

Determine how much your average monthly credit card sales are for the last six months. Then check the simple requirements below:

• You have been in business for 1 year or in some cases less.
• You have at least $8,000 in credit card sales monthly.
• You have accepted Visa, MasterCard or Amex.

Step 2 - Contact Us:

Call us and we’ll complete a simple one page application.  You will be eligible for an advance of between 80-120% of your average monthly credit card receipts

 Step 3 - Repay Based On Your Ability Easy Pay:

This is the best part of the program. We are banking on the fact that you will continue to do business as you did before. So we fix your payment at 15 to 20 percent of your future credit card receipts until the loan is repaid. This includes principal and interest.  

You keep 80% to 85%. That means that if you do very well your cash advance gets paid back sooner and if business is bad you pay back less. WHICH MEANS NO MORE WORRIES!
\r\nAnd here’s the absolutely best part of this program. Once you have repaid 50% of the advance you can make a simple phone call to re-borrow the paid amount. It's by far the quickest and easiest way to get cash short of going to your own ATM.

Medical Working Capital Loans ranging from $15,000 to $250,000
\r\nVery Competitive Rates
\r\nUp to 84 months to repay
\r\nCredit Approval in 48 Hours from Application Submission
\r\nFunding Within 5 Days of Receipt of Signed Documents
\r\nPrograms for Medical Professionals with Damaged Credit

Types of Medical Professionals We Can Finance

Board Certified Internists
\r\nCardiovascular Surgeons
\r\nDermatologists
\r\nGeneral Surgeons
\r\nMaxillofacialists

Neurosurgeons
\r\nOB/GYN’s
\r\nOphthalmologists
\r\nOral Surgeons
\r\nOrthopedic Surgeons

Pediatricians
\r\nPeriodontist
\r\nPlastic Surgeons

At Pacific Business Lending, we help small and medium sized businesses succeed by matching them with the credit and financial services they need. We have been designated as a preferred financial services company by SBA lenders, enabling us to process loans more quickly and efficiently than many others. There are a number of advantages to an SBA Loan Program, including longer terms, no points, and no balloon payments.

Most for-profit small businesses are eligible for an SBA guaranteed loan. Applicants include manufacturers, wholesale, retail, and service businesses, as well as independent or franchise businesses. SBA loan proceeds can help give a business a competitive advantage by backing commercial real estate purchases, construction, or refinancing. The SBA loan can also be utilized for leasehold improvements, a business acquisition, machinery or equipment, and furniture or fixtures. Offered in conjunction with some of these applications, an SBA loan can also be used for working capital. Recently, start-ups, including all franchises, motels, restaurants, gas stations, and C-stores, have gained access to loans through the SBA program. The SBA's primary lending program is the 7(a) Loan Program.

Waiting for your business loan approval will not always be as quick as you may like. In fact, it can take anywhere from four to six months for some lenders to finally approve funding. These months can cause a business to suffer, or even put owners in danger of losing the company. Luckily, Pacific Business Lending has the answer.

We can also provide other types of short-term collateral backed loans and can usually close in 10 days or less.

Commercial bridge loans can help ensure the continued success of your business. These loans are short-term funding resources used by companies until they can officially secure the permanent financing option they need. For example, companies might use them when they are closing on a permanent lease or long-term loan. Because these are short-term loans, you can expect higher interest rates. They also, more than likely, must be backed by a legitimate form of collateral.

Restructuring modifies the terms of a loan (or loans) to provide some advantage to the debtor. You’ll be able to:

Consolidate Existing Debt

If you’re currently repaying multiple loans, you’ll realize that you spend a lot of time juggling between the different repayments. This can be costly. Restructuring the debt can help you reduce the number of monthly repayments you have to keep track of by consolidating everything into one single payment. At the very least, this will make your life simpler and allow you to spend more time growing the business.

Lower Your Interest Rate

If you have three different loans with interest rates of 12%, 15% and 18%, you can consolidate those three accounts into one loan with an interest rate of 10-14%, allowing you to save money. In addition to lowering your interest rates, you will also lower your monthly payments. If you were paying $5,000 in total per month for the three loans, after restructuring, you may end up paying $3,000 or less per month.

Free Up Cash For The Business

Most importantly, spending most of your revenue on outstanding loans causes a strain in your working capital. You’ll have very little money, if any, to inject into your business’s growth. If done properly, restructuring will leave you with more cash to spend on the business.

Pacific Business Lending is a specialist in providing you with the necessary business acquisition finance to fund any company you wish to acquire.  We provide

• Analysis of the purchase price. We determine if the purchase price can be supported based upon the cash flow of the acquired entity.
• We do an in depth analysis to determine whether the purchase price is within the standards of the industry.
• Financing to purchase the company. We do this by leveraging the existing assets of the company to the maximum amount based upon cash flows available, keeping your cash requirements to a minimum.
• We can also provide the equity necessary should there be a cash shortfall between the financing and the cash you are putting into the transaction.

Pacific Business Lending is a private commercial lender and structured finance company that offers commercial real estate financing to borrowers directly and through a network of finance professionals. We feature a variety of commercial loan programs to accommodate borrowers' needs, with loan limits ranging from $250,000 to $10 million.

Unlike many other companies, we are purely focused on the commercial finance niche and recognize the difficulty brokers and borrowers experience locating financing for their commercial transactions in the current market. Our company implements a tiered approach to financing by utilizing our own access to capital, as well as that of others to provide our clients with the best options possible when it comes to commercial real estate financing. Our premium customer service and attention to detail makes the commercial loan process simple for borrowers, as well as commercial finance professionals.

Pacific Business Lending offers the nation’s only non-transfer of title securities-based loans.  If you have a portfolio of securities, we can set up a line of credit of 70-90% of the value of the portfolio. This line of credit is utilized as a true line of credit and you may borrow as much or as little as you want. You can utilize the money for any purpose with no restrictions.

Repayment is interest only, with no principal payments. The rates are very low and approval is guaranteed, regardless of personal credit. We can usually approve your loan within 3-5 business days with no credit checks. There is no sale of your stock. You receive all dividends. You can sell the stocks in your portfolio as long as you buy other stocks of equal value. You keep complete control of your portfolio.

With thousands of consumers and businesses applying for loans every day, banks can afford to choose who to lend to and who to turn down and they’d still make a profit. Additionally, with so many people borrowing, most banks have run out of money. A bank can only lend what it has.  This has resulted in the banks either denying applicants loans or dragging the process for weeks or even months as they try to recoup some of their earlier loans.  

Pacific Business Lending helps small businesses acquire unsecured business loans without delays. We know that running a business isn’t easy. So, we take some of the burden off your shoulders by finding appropriate lenders on your behalf, thus ensuring that you get the funds you need on time and without wasting valuable time.