Products

For years, banks have had a monopoly on lending, serving as the go-to source for loans whether you're a startup or an established business. The drawback? If the bank says no, you're out of luck. Enter the game-changer: alternative lending. This sector opens up a world of funding options outside of traditional bank loans, making it easier for small businesses to secure the capital they need.

Traditional Lending: Typically offered by big banks, these loans often require collateral like real estate or company inventory. They're also risk-averse, making it hard for small businesses to qualify.
Alternative Lending: A breath of fresh air for business owners, this lending model is more flexible, usually doesn't require collateral, and is often quicker to approve loans. Alternative lenders are willing to take more risks and focus on the business owner's ability to turn receivables into payments.

In a nutshell, alternative lending is shifting the financial landscape, giving business owners more options and freedom when it comes to securing funding.

There are dozens of alternative lending products available on the market today, with more being added each year. Here is a list of some of the most popular products currently being offered:

Business Term Loan

A traditional business term loan is a lump sum of capital that you pay back with regular repayments at a fixed interest rate. The “term” in “term loan” comes from its set repayment term length, which will typically be one to five years long. Most business owners use the proceeds of term loans to finance a specific, one-off investment for their small business

Business Line Of Credit

Provide small businesses money for day-to-day cash-flow needs. They are not recommended for larger purchases and are available for as short as 90 days to as long as several years. With a line of credit, you take only what you need and pay interest only on what you use, rather than the entire amount. These loans are usually unsecured and don’t require any collateral.

Equipment Financing

Provide money to small businesses for office equipment, like copy machines and computers, or things such as machinery, tools and vehicles. Instead of paying for the large purchases all at once upfront, equipment loans allow business owners to make monthly payments on the items. One benefit of equipment loans is that they are often easier to obtain than some other types of loans because the equipment being purchased or leased serves as collateral.

Invoice Factoring

Invoice factoring is not a loan. Rather, you sell your invoices at a discount to a factoring company in exchange for a lump sum of cash. The factoring company then owns the invoices and gets paid when it collects from your customers, typically in 30 to 90 days. Invoice factoring can provide immediate working capital to help cover a funding gap caused by slow paying customers.

Startup Business Credit

There are a variety of banks and equity institutions that provide 0% business credit cards for a period of 6, 9, 12 and even 18 months.Obtain low-interest business credit lines that do not appear on your personal credit report. There are no restrictions; you can use the credit lines for any business or real estate investing need. Receive between $30,000 to $150,000 in unsecured business credit. **MIN 700 Fico REQUIRED

Fix & Flip Real Estate Financing

A hard money or rehab loan is a short-term financing solution, issued by private lenders, that allows real estate investors to obtain capital fast to develop, flip, or own properties directly. The loan is secured by the value of the subject real estate property, not by the borrower’s credit score. NOTE: **Prior Rehab Exp IS REQUIRED** Min 100k Loan Amt

Merchant Cash Advance

This type of loan is made to a business based on the volume of its monthly credit card transactions. Businesses can typically receive an advance of up to 125 percent of their monthly transaction volume. The terms for repaying a merchant cash advance vary by lender. Some take a fixed amount of money out of a business’s merchant account every day, while others take a percentage of the daily credit card sales. The best candidates for merchant cash advances are businesses with strong credit card sales, such as retailers, restaurants and service businesses.

SBA Loans

The U.S. Small Business Administration helps small businesses get funding by setting guidelines for loans and reducing lender risk. These SBA-backed loans make it easier for small businesses to get the funding they need. SBA loans have a lengthy approval process and stricter qualifications. If time is of the essence or you don't meet the strict criteria, you might want to explore other options.

Working Capital Loans

A working capital loan is a loan that is taken to finance a company's everyday operations. These loans are not used to buy long-term assets or investments and are, instead, used to provide the working capital that covers a company's short-term operational needs.

Debt Restructuring Program

Debt restructuring program for businesses in financial distress. Lower your debt payments an average of 50% - 75% in days, without any new loans. Great for refinancing high-cost debt (like MCAs)

Marcus Wells

Co-founder + Writer

Marcus brings a wealth of experience in both personal and commercial funding sectors, spanning multiple years. He initially embarked on his career in the mortgage banking arena in the early 2000s, specializing in assisting homeowners with financial solutions for property acquisitions. Marcus later pivoted his focus towards supporting entrepreneurs and investors in securing capital for their ventures. Beyond funding, he has contributed to the growth of various businesses through a marketing agency he co-founded with his spouse. Marcus is deeply committed to facilitating the growth and scalability of businesses.

Sye Wells

Co-founder + Writer

With over a decade of experience, Sye stands as a prominent trainer and consultant for entrepreneurs and business owners. She gained notable recognition through her feature in the book "All In" and has had the honor of sharing the stage with distinguished speakers, including those at Tedx events. In addition to her public speaking and consulting endeavors, Sye has enabled the growth of numerous small enterprises through the marketing agency she co-founded with her husband. Her driving passion lies in empowering business owners to achieve commercial success.

Matt Russell

Co-founder + Writer

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Products

Marcus Wells

Co-founder + Writer

Sye Wells

Co-founder + Writer

Matt Russell

Co-founder + Writer

If You’re Ready, Your Next Step Is To Get Pre-Qualified!

JHD Capital Consultants

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