funding
Unsecured Credit Lines
Funding up to 200K can be secured with just a 1-page application with minimal documentation for business owners with good credit (680+ FICO Score)
Interest rates are as low as 6.25% and in most cases, 0% interest for the first 6 months.
Commercial Real Estate Financing
- 48 Hr Approvals
- A through D credits
- Loan to Value Up to 80%
- Financing from $75K to $500M+
- Competitive Rates
- Financing in all 50 States
- Purchase, Refi, Construction, Cash Out and Fix and Flip (LTV to 90%)
Personalized customer service and decades of experience makes the commercial real estate financing process simple and straight forward for our clients.
Factoring
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- Steady Cash Flow
You can receive cash NOW in as little as 4hrs, advance Ratio up to 98% - There is no additional debt as this is an off balance sheet solution with no monthly payments
- A Guarantee to Eliminate Bad Debt and Collections Headaches
- The factor handles all credit department processes alowing you to focus on what matters most, growing your business.
- Steady Cash Flow
Financing for Medical Professionals
Practice Acquisition Financing
- Up to 4M with little or no money down
Medical Equipment Leasing
- We can lease the latest state of the art medical technology, X-ray, MRI, Lab equipment, Ultra sound machines +
Medical Factoring
- Why wait 30-60-90+ Days to get paid for your services.
- Receive cash in just 4 hours.
Working Captial
- Signature Only up to 250K
- Same day approval/Cash within 5 days
- Programs for medical professionals with subprime credit
Construction Equipment and Work Truck Financing
Financing for New & Established Companies
- Subprime/Bank Turndowns OK
- Same day approval
Yellow Iron and Work Trucks
- Dump Truck
- Bulldozers
- Excavators
- Trailers
- Garbage Trucks
- Tractor & Farming Vehicles
- Semi Trucks
Factoring
- Steady Cash Flow
You can receive cash NOW in as little as 4hrs, advance Ratio up to 98% - There is no additional debt as this is an off balance sheet solution with no monthly payments
- A Guarantee to Eliminate Bad Debt and Collections Headaches
- The factor handles all credit department processes alowing you to focus on what matters most, growing your business.
Equipment Leasing
Application Only to $300K
One Day approvals
A through D Credits
Sale & Lease Back
Startup Program
Federal, State & Municipal Goverment Entity Leasing
- Leasing Offers Capital Preservation
- Fixed/Flexible Payments
- Eliminate Obsolescence
- Soft Costs (Installation, Setup, etc.) Can be included in your monthly lease payment
- Minimal Initial Capital Outlay
- Tax Benefits (See Tax Advisor)
Merchant Cash Advance Program
If your business accepts credit cards you need to look at our Cash Advance Program/Up to 150K
1. Qualifications
- 1 Year in business minimum
- Minimum 8K/credit card sales monthly
- We accept Visa, Mastercard or AMEX
2. Quick Application
- Complete a one page application receive an advance of 80% to 120% of your monthly credit card receipts
2. Repayment
- A small percentage of your future credit card sales
are held back until the cash advance is repaid
SBA Loan Program
Almost all small businesses are eligible for an SBA government guaranteed loan,
this includes, wholesale, retail, and service and manufacturing businesses as well as franchised businesses.
Funds Can Be Used For:
- Commercial Real Estate
- Partner Buyouts
- Mergers & Acquisitions
- Business Expansion
- Machinery, Equipment etc
- Startups ( All Franchises, Restaurants, Motels, Gas Stations, Convenient Stores)
Requirements For a $150K to $5M SBA 7(a) Loan (Re)Financing/ Working Capital
● 2 Years+ in Business
● Owners Personal Credit Score 650+
● U.S based Business owned by U.S. Citizen
or Lawful Resident 21 Years old+
● No Outstanding tax liens
● No Bankruptcies or Foreclosures in the past 3 Years
● Current on any Existing Government Loans
● No Recent Settlements or Charge Offs
Excluded Businesses
● Mortgage Servicing
● Oil Wildcatting
● Gambling
● Political Lobbying
● Life insurance
● Real Estate Development
For more information on Ineligible Business Click Here
Practice Acquisition Financing
Each year, across the nation, thousands of medical practitioners retire and sell their practices. We can provide you financing up to $2,000,000 for acquisition, usually with zero or little money down.
Medical Equipment Leasing
Leasing your medical equipment can transform your current practice or develop a new state-of-the-art medical health care facility. We can lease the latest technology in X-ray, MRI, lab equipment, examination tables, dental chairs, ultra sound machines, and much more.
Additionally you can typically claim the entire lease payment as a tax deduction (see your tax advisor)
Medical Factoring
Why wait 30-60-90+ days to get paid for medical services you provide? You can sell these unpaid invoices and receive quick cash in 24 hours. Also your factor can provide invoice mailing, accounts management and collections support included in your discount fee.
Same Day Approval and up to 60 Month Terms
Financing for New and Established Companies
Pacific Sun Finance has years of experience in the funding of work trucks and construction equipment. We work directly with equipment dealers or end users.
Our expertise is in the area of less than perfect credit and helping those people turned down by banks
Factoring
Are you waiting 30-60-90+ days to get paid for your work? Did you know you can sell your unpaid invoices for cash? This is not a loan, there are no monthly payments ever, in addition you can have your company’s entire billing/accounts management operation taken care of. We can send you cash the same day you bill, no waiting, no worries, no headaches.
Capital Preservation
Leasing helps you preserve precious capital for future needs, unexpected expenses or working capital when revenues are lower.
Fixed payments
Differing from bank credit line which usually have variable rates, lease payments are fixed for the term regardless of what occurs in the credit market.
Eliminate Obsolescence
Technological innovation is accelerating. Todays equipment may be obsolete in several years. Leasing lets you to maintain an edge by allowing the upgrade of your equipment at the end of the lease term.
Minimal Initial Capital Outlay
Lease payments cover 100% of the cost of the equipment(including sales taxes)
with only 1 or 2 payments in advance.
Tax Benefits
Section 179 of the IRS code now allows businesses to deduct the full purchase price
of new qualifying equipment and software acquired during the tax year. (See your tax advisor for details)
Receive a Cash Advance Up To $150,000
In 1 week
1. Qualifications
● 1 Year in business minimum
● Minimum 8K/credit credit sales monthly
2. Contact Us
● Complete a one page application
● Upon approval you will receive an Advance of up to
80% to 100% of your monthly credit card receipts
3. Repayment
● A small percentage of your future credit card sales
is held back until the cash advance is repaid
Excluded Businesses
● Mortgage Servicing
● Oil Wildcatting
● Gambling
● Political Lobbying
● Life insurance
● Real Estate Development
For more information on Ineligible Business Click Here
Requirements For a $30K to $350K SBA 7(a) Loan Refinancing/ Working Capital
● 2 Years+ in Business
● Owners Personal Credit Score 650+
● U.S based Business owned by U.S. Citizen
or Lawful Resident 21 Years old+
● No Outstanding tax liens
● No Bankruptcies or Foreclosures in the past 3 Years
● Current on any Existing Government Loans
● No Recent Settlements or Charge Offs
Requirements For a $500K to $5.5M SBA 7(a) Commercial Real Estate Loan
● 3 Years+ In Business
● Owners Personal Credit Score 675+
● Property Must be Majority Owner Occupied
● Adequate Business and Personal Cash flow to Cover Debt Payments
(3 Years Tax Returns and Financial statements)
● No Arrears and/or Defaults on Government Loans