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      Trust Capital Funding is a direct lender that offers a range of business loans to meet the needs of different types of companies. Some of the loan options available at Trust Capital include lines of credit, SBA loans, revenue based financing, and ERC tax credit filing. Lines of credit allow businesses to borrow money as needed, up to a pre-approved limit, while SBA loans are government-backed loans that can be used for a variety of business purposes. Revenue based financing is a loan option that is repaid with a percentage based off of the business's monthly sales, making it an affordable option for many companies. ERC tax credit filing is a service offered by Trust Capital Funding that helps businesses take advantage of tax incentives to offset the cost of hiring and training new employees. With a variety of loan options and a team of experienced lending professionals, Trust Capital Funding is well-equipped to help businesses secure the financing they need to grow and succeed.

 

 

      In addition to its other business loan options, Trust Capital Funding also offers a range of commercial real estate programs. These programs include financing for new construction and sub rehabilitation projects, multifamily refinance and acquisition, multifamily new construction, mobile home parks, and nursing/healthcare facilities. Whether a business is looking to acquire a new property, renovate an existing one, or build from the ground up, Trust Capital Funding has the expertise and resources to help. The company's commercial real estate team is knowledgeable and experienced in the specific needs of each of these types of properties and is ready to work with businesses to develop a customized financing plan. With competitive rates and flexible repayment terms, Trust Capital Funding is a reliable partner for businesses seeking commercial real estate financing.

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Line of Credit

Get approved for a fixed amount of money, borrow and repay as needed. No interest paid on money not borrowed. Minimum credit requirement 650, at least one year in business needed.

SBA Programs

Government backed loan programs. Strict requirements and low approval rating. Lowest interest and longest term. Can take months to receive funding after approval.

Revenue Based Financing

Best option for bad credit. Minimum 6 months in business and an average monthly revenue over $10,000. Funding available same day as approval.

ERC Tax Credit

Did you keep your employees through the COVID pandemic? Get approved for an ERC refund. Can't wait months for your money? Trust Capital has financing plans available

Business Line of Credit

A line of credit is a type of loan that allows a borrower to access a fixed amount of money that they can borrow and repay as needed. It is similar to a credit card in that it provides the borrower with a source of funds that they can use as needed, up to a pre-approved limit. 

 

A business line of credit will be based on the borrower's credit worthiness. To use a line of credit, the borrower simply requests a certain amount of money up to their credit limit, and the lender provides the funds. The borrower is then responsible for repaying the borrowed funds plus interest. Repayment terms for a line of credit can vary but they typically involve making regular payments, generally monthly or weekly.

 

One advantage of a line of credit is that it allows the borrower to have access to funds as needed, rather than having to borrow a fixed amount all at once. This can be useful for businesses that needs ongoing financing or to cover unexpected expenses. It can also be a flexible and convenient option for borrowers who want to have a source of funds available in case of emergencies. 

 

Overall, a line of credit can be a useful tool for businesses and individuals who need access to funds on an ongoing basis. The rate mainly depends on your credit history and the terms typically range from twelve months to a true revolving line of credit that will stay open as long as you make payments. If this sounds like something that you could use for your business, you can get started with our quick form above. These are the documents you will need for a final approval,

  • Completed Application

  • Last 3-6 Months of Business Bank Statements

  • Voided Business Check

  • Copy of Driver's License

SBA Programs

The Small Business Administration (SBA) is a United States government agency that provides support to small businesses through a variety of programs. If you are interested in applying for an SBA loan, here is an overview of how the process works:

  1. Choose the Right Program - the SBA offers several different loan programs, each with different eligibility requirements and terms. It is important to choose the program that best fits your needs, if you have any questions give us a call and a representative will be happy to point you in the right direction.

  2. Find a Lender - SBA loans are taken through participating lenders such as banks, credit unions or other financial institutions. You need to find an SBA approved lender willing to work with your business. Trust Capital is an SBA approved lender so you won't have to look far.

  3. Gather the Necessary Documentation - To apply for an SBA loan a lot of documentation is required including, financial/bank statements, tax returns, a business plan, debt sheet, and personal financial statements for the business owners to name a few. You may also be required to put up collateral such as equipment or property to secure an approval.

  4. Submit the Application - Once you have gathered all of the necessary documents, you will need to complete the loan application and submit it to the lender. The lender will evaluate the application and decide to approve or deny the request.

  5. Wait - It takes several weeks for the lender to review your application and do a credit check. If you are approved you will receive the term and conditions of the loan and you can decide weather or not to accept it. 

There are many different SBA programs and they change, add and remove them from time to time. For the latest information get in contact with a Trust Capital representative and they will inform you on the latest information and point you in the right direction on which program would benefit your business the most.

These are the documents you will need to start the SBA process,

  • Completed Application

  • Last 3-6 Months of Business Bank Statements

  • Most recent business Tax Return

 

      After we receive your application we will contact you to go over the SBA options you qualify for, and let you know what additional documents we need from you. 

Revenue Based Financing

Revenue based financing is a type of financing that allows a business to borrow money based on its future sales or revenues. Instead of lending a fixed amount of money, a lender provides a business with an advance of cash in exchange for a percentage of the business's future sales.

 

With revenue based financing, a lender advances a business a sum of money in return for an agreed upon percentage of future credit card sales or ACH payments. The business then repays the advance over a period of time, typically 6-24 months, daily or weekly sales until the amount is paid in full. This type of financing is often used by businesses that have difficulty obtaining traditional bank loans because they lack a sufficient credit history or collateral.

 

One of the main advantages of revenue-based financing is that it allows a business to secure funding without giving up equity or giving up control of the business. There are also no restrictions on what you spend the money on. This is known as an unsecured working capital loan.

 

Revenue-based financing is a fast form of financing that can make sense for a new business opportunity or in a time of urgent cash needs. It's always important to carefully evaluate the terms of a revenue-based financing agreement, and to consider the impact on the business's cash flow before proceeding. It is recommended to consult with a financial professional and compare it with other options such as traditional loans or equity financing. With that being said a lender would not want to over leverage your business and if the deal is not good for the health of the business it will result in a denial.

  • Completed Application

  • Last 3-6 Months of Business Bank Statements

  • Voided Business Check

  • Copy of Driver's License

ERC Tax Credit

Employee Retention Credit (ERC) is a fully refundable tax credit filed against employment taxes. ERC was set up as part of the Coronavirus Aid, Relief and Economic Security Act (CARES) and was created in 2020 during the COVID-19 pandemic to help businesses recover from economic fallout that occurred. It essentially provides funding to businesses to make up for what was lost during the pandemic. Many companies will argue that the ERC has been their lifeline post-coronavirus outbreak.

Congress decided to pass the Consolidated Appropriations Act of 2021 (CAA) after realizing the initial ERC was not reaching as many businesses as originally hoped. The new goal was to reach more businesses and help more people stay employed. Credit from employment tax deposits can range from $5,000 to $21,000 per employee and is essentially a reward for companies who have kept full-time employees on payroll during the pandemic. Since government orders shaped much of what occurred as far as business restrictions, this is the government’s way of giving back to your business.

​      Read more about the ERC Tax Credit Here. If you have over five W2 employees and think that you can take advantage of this program fill out our form Here and we will assist you with the process. 

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