Small Business Loans
When your small business needs funding, look no further than Benjamin Capital. We are proud of the small business loan program we have built, and are excited to share our knowledge, funding, and expertise with businesses like yours. In fact, we have worked so hard at becoming the preferred choice for SBA loans that we have been designated as a preferred financial services company by preferred SBA lenders. This prestigious delegation allows us to process loans in-house, which then allows for much more efficient processing and faster approval times.
What Can We Offer Your Business?
Our team can provide your business with quick, simple funding solutions. We finance a wide variety of companies in almost every industry, including hospitality, auto care, gas stations, restaurants, and many more. Lastly, each of our professional is proud to offer the following types of loans for our business customers:
Commercial & Industrial Real Estate Financing
If your company wants to purchase, build, refinance, or renovate, we can help provide funding to ensure your vision is achieved.
Existing Business Acquisition Loans
Benjamin Capital will do a thorough analysis of your company’s cash flow and management capabilities to help provide fast, sufficient funding.
If you need to purchase heavy machinery, trucks, medical equipment, or commercial printing machines, let us help. We can provide funding for all your large equipment purchases.
Loans Up To 5 Million
We offer competitive rates and flexible terms for our valued business customers, and can provide funding for almost anything your business needs, including working capital.
Benjamin Capital also specializes in offering franchise financing options for buying commercial equipment, real estate, remodels, new commercial construction, refinancing, and acquisitions. We also offer customized franchise and corporate loan programs to support your franchisees, distributors, employees and other key partners—helping you expand your operations, manage working capital, and strengthen your strategic relationships. Our firm even provides customized non-recourse and recourse franchise loan programs.
Franchise Financing Programs Include:
- Up to 90% LTV
- Working Capital
- No Prepayment Penalties
- Terms up to 25 Years
- Non-Recourse & Recourse
Give us a call today, and let us give you the professional and experienced help you need for becoming the successful owner of a franchise.
Merchant Cash Advance
Merchant Cash Advances are a great financing option for small businesses that accept credit cards. This alternative financing was created specifically to address the problems of traditional financing options like complicated approval processes, long waiting periods, spending restrictions, and high decline rates.
At our firm, we can provide your business with a merchant cash advance against your current merchant account, at a limit of $500,000 for each of your business locations. Many of our clients have found our cash advances to be a more desirable alternative to traditional small business loans. Your advance funds against all of your future credit card sales, including American Express™, MasterCard™, and Discover™ are usually made available within seven days, sometimes less. Now, you’ll have the liquid capital you need for advertising, inventory, expansion, and whatever else you desire for your business.
Advantages of Our Cash Advance Program
Our merchant cash advance program doesn’t include fixed payments, and there’s also no equity loss for you to have to factor in. So, put your focus back on taking care of your business, as we make it easy as possible for you to pay back your advance.
If you’d like to learn more, or get started on the application process, don’t wait. Contact us today!
Merger & Acquisitions Financing
If you are a business owner who needs acquisition financing, Benjamin Capital can assist you. Our acquisition financing is recommended for business owners who would like to purchase a company, but don’t have access to the finances to proceed with their business plan. Our commercial financing expertise is good to utilize, so your upcoming merger or acquisition deal is a complete success.
Additionally, Benjamin Capital works with equity sponsors and corporate management to evaluate the commercial financing alternatives and lenders to identify an appropriate financing structure, and funding source at a competitive rate. We help you structure your acquisition financing based on current market conditions, and the term structure of your company's balance sheet assets and cash flow from operations or EBITDA.
Our team welcomes the opportunity to structure and arrange your merger and acquisition financing for:
- Merger or Acquisition
- Leveraged Buyout
- Corporate Debt Refinancing
- Corporate Restructuring
If you’re interested in learning more about our merger and acquisition program or any other business lending program, please contact one of our experienced representatives.
401K Retirement Funding
You can access retirement funds penalty free without taking a taxable distribution
Benjamin Capital specializes in offering self-directed 401K financing (ROBS- Rollover as a business start-up) through qualified retirement accounts to fund your new or existing business or franchise debt free.
You can use any type of retirement account that you haven’t been taxed on i.e. IRA, 401K, 403b, 457, and TSP accounts, as long as they aren’t from your current employer. Typically, you can use these funds for any business purchase or expense, and pay salary. Access your retirement funds penalty free and without taking a taxable distribution. Keep in mind; this is not a loan or a withdrawal. Funding is quick and generally received in 3-4 weeks.
Unsecured Business Lines of Credit
Benjamin Capital understands that credit can be one of the most critical aspects of your business. It helps determine the success and cash flow of your company. Our unsecured business lines of credit can provide your business with the necessary cash flow it needs to grow and be successful in today’s volatile market.
Difference Between Benjamin Capital & Other’s
At Benjamin Capital, our experts strive to provide our valued business customers with all the right financial tools necessary to grow and be successful. Our team will take the time to understand your company’s unique operational and working capital needs. We will also optimize your cash flow with our structured credit solutions and other smart funding solutions to help your business achieve its goals. We can even offer your business:
- Fast, Flexible Funding Options
- Simple Loan Application
- Quick Approval
- Competitive Rates
- World-Class Customer Service
Get Started Today
To learn more about our unsecured business lines of credit, give us a call today. A member of our team can provide you with funding solutions.