2nd Chance Consumer Advocates

Helping Business

Business Financing

1.Unsecured Business Lines of Credit:

In today's market, raising the initial capital needed for your business is becoming increasingly more challenging. With conventional lenders not approving, more and more business owners are resorting to alternative lending vehicles. The SBA reports that more than 80% of start-ups fail due to under-capitalization. No matter if you're a start-up or an existing business just needing some working capital, we can help.

Funding in as Fast as 10 Business days

No Income Documentation Required

Credit Lines Start as Low as 0% from 6-24 months

Typically Blended Rates after the Introduction Period are Approx 12.99%

Funding up to $180,000 *per borrower

No Prior Operator Experience Required

100% Uncollateralized (signature based

2. ACH Loan Program

2nd Chance Consumer Advocates specializes in Working Capital through an exclusive ACH Loan Program based off your business' gross sales.

Funding in as Fast as 5 Business Days

Loan Amounts Based off Gross Sales not Net Profits

Unlike Standard Bank Loans - Tax Returns are not Typically Required

Daily Remittance in Lieu of High Monthly Loan Payment

Loan Amounts as low as $5,000 up to $10 million

Credit Scores as low as 500

  • Home/Mobile Based Businesses OK

Franchise Fees - Working Capital - Inventory - Payroll - Build-Out - Equipment Purchase - Advertising - Legal Fees

3. Working Capital

is not a loan. You sell a specific amount of your future credit and debit card receivables (at a discount) in exchange for cash.

QUALIFYING IS SIMPLE

√ $2,000/month in credit card sales or 5K in cash/checks

√ 1 month in business

√ Fixed percentage of daily sales

√ Credit not a factor!

If your business slows down due to no fault of your own - your personal assets are safe.

REAL CAPITAL REAL SOLUTION REAL FAST!

   $3,000 to $1,000,000 in as little 5 Days

   Credit is not a factor! The money is unsecured.

√   Fees are 100% Tax Deductible

   Zero out pocket Cost- No application Fees

4. Commercial Lending

Timely, flexible financing solutions represent an essential component of successful business operations. 2nd Chance Consumer Advocates offers customers more than just financing solutions; we partner with you to create your overall financing strategy.
Our experienced financing teams design solutions to benefit your company. You can choose comprehensive or non-traditional commercial financing solutions that are developed specifically to meet your needs for cash flow, tax position, reporting, and more.
Leverage 2nd Chance Consumer Advocates commitment to working with your advisory team to provide significant value-added benefits beyond the financing itself.

Loan Type:

 Multi-family        Bridge Loans        Acquisitions        Construction Loans        Owner-User

 Land (Zoned Commercial)        Industrial- Special Purpose        Hard Money

5. SBA Loans

      We offer five types of SBA loans for businesses in almost any for-profit industry. Loan amounts range from $25,000 to more than $10 million and are available for a variety of business purposes, including:
  •  Up to 90% financing
  • Loans up to $11.25 million
  • Terms up to 25 years
  • Fixed and variable rate options
  • No balloon payments
  • Most for-profit small businesses are eligible

We offer five types of SBA loans for businesses in almost any for-profit industry. Loan amounts range from $25,000 to more than $10 million and are available for a variety of business purposes, including:

      • Commercial Real Estate Purchases
      • Business Acquisition or Expansion
      • Construction
      • Equipment
      • Inventory
      • Working capital
      • Debt refinancing

Here are a few of the programs we assist with:

    • SBA Express Loans (from $100,000 to $350,000)
    • SBA Patriot Express Loans (from $5,000 to $500,000)
    • SBA 7(a) and 504 Loans
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