No Doc Secured Term Loans
- Turn your companies paid off equipment into immediate capital
- No Financials needed
- No Minimum Credit Score
- Loans to $3m
- Fully amortized term loan with 4-year terms.
- 75% LTV based on auction value
- Loan amounts from $100,000 to $3 Million
- No end of term buy-out and no balloon payment
- Terms to 48 months
- A real interest rate NOT a factor
- Borrowers out or pocket costs are for appraisal and legal docs (to close loan)
EQUIPMENT SECURED TERM LOANS
Businesses with free and clear equipment, can now unlock the equity they have in their free and clear equipment.
Businesses with free and clear equipment, can now unlock the equity they have in their free and clear equipment.
- Loan amounts to $10 Million
- Rates start at 9.99%
- Terms to 5 years
- Up to 85% LTV based on auction value
Equipment Sale Lease Backs
One of the quickest methods for a company to raise working capital or retire debt is by completing an equipment sale leaseback financing on the equipment and machinery the business currently owns.
Sale leaseback financing has three main components.
An equipment sale leaseback provides options to companies seeking to increase liquidity, optimize cash flow, and improve balance sheet presentation. For businesses that need flexibility in structuring financial matters, leveraging the equity in your current assets is a strategic way to procure capital for growth or restructuring.
One of the quickest methods for a company to raise working capital or retire debt is by completing an equipment sale leaseback financing on the equipment and machinery the business currently owns.
Sale leaseback financing has three main components.
- You sell your equipment to a finance company (The Lessor)
- The Lessor then agrees to lease the equipment back to you (The Lessee)
- You receive an advance amount, which will vary depending on a financial, credit, and collateral review.
An equipment sale leaseback provides options to companies seeking to increase liquidity, optimize cash flow, and improve balance sheet presentation. For businesses that need flexibility in structuring financial matters, leveraging the equity in your current assets is a strategic way to procure capital for growth or restructuring.
- Loan amounts to $10 Million
- Rates start at 9.99%
- Terms to 5 years
- Up to 85% LTV based on auction value
Secured Line of Credit Loans
You can use your companies paid off equipment and other pledged assets with liquidation value to obtain a secured line of credit up yo ten million dollars that will be available immediately when you need capital to take advantage of certain market trends, hire new people, expansion opportunities or to restructure expensive existing debt. In asset-backed lending, a business pledges an asset or cumulative assets as collateral in exchange for a line of credit.
The loan may be secured by a variety of assets, such as accounts receivable, equipment, inventory, or commercial property.
Assets that can be pledged include but are not limited to:
Inventory
Purchase Orders
Equipment
Commercial vehicle
Accounts Receivable
Real Estate Equity
You can use your companies paid off equipment and other pledged assets with liquidation value to obtain a secured line of credit up yo ten million dollars that will be available immediately when you need capital to take advantage of certain market trends, hire new people, expansion opportunities or to restructure expensive existing debt. In asset-backed lending, a business pledges an asset or cumulative assets as collateral in exchange for a line of credit.
The loan may be secured by a variety of assets, such as accounts receivable, equipment, inventory, or commercial property.
Assets that can be pledged include but are not limited to:
Inventory
Purchase Orders
Equipment
Commercial vehicle
Accounts Receivable
Real Estate Equity
- Loan amounts to $10 Million
- Rates start at 9.99%
- Terms to 5 years
- Up to 75% LTV based on auction value
How Lenders Value Your Equipment?
When applying for financing secured by your equipment, one key factor lenders consider is the valuation - essentially, what your equipment assets are worth.
There are three main approaches lenders use:
1. Fair Market Value - This estimates what price the equipment could fetch on the open market under normal conditions. It assumes a willing buyer and seller with no pressure. This is the highest potential value.
2. Orderly Liquidation Value - This projects what the equipment could sell for in a "going out of business" scenario over 90-180 days. There is some time pressure on the sale.
3. Forced Liquidation Value - This is the lowest value, based on an urgent liquidation in 30 days or less, like a bankruptcy auction. The compressed timeline severely limits potential buyers.
Our asset based lending partners are experts at everything equipment. With over 90 years of finance experience, they take the time to understand your specific equipment and situation.
Together, we determine the most appropriate valuation method so you can access the maximum eligible financing amount.
When applying for financing secured by your equipment, one key factor lenders consider is the valuation - essentially, what your equipment assets are worth.
There are three main approaches lenders use:
1. Fair Market Value - This estimates what price the equipment could fetch on the open market under normal conditions. It assumes a willing buyer and seller with no pressure. This is the highest potential value.
2. Orderly Liquidation Value - This projects what the equipment could sell for in a "going out of business" scenario over 90-180 days. There is some time pressure on the sale.
3. Forced Liquidation Value - This is the lowest value, based on an urgent liquidation in 30 days or less, like a bankruptcy auction. The compressed timeline severely limits potential buyers.
Our asset based lending partners are experts at everything equipment. With over 90 years of finance experience, they take the time to understand your specific equipment and situation.
Together, we determine the most appropriate valuation method so you can access the maximum eligible financing amount.
424-245-0588
info@wfa.money
This is not an offer to lend or extend credit. Credit approval is subject to credit standards, and actual terms (including actual loan amount) may vary by applicant. Advisory Services USA requires certain supporting documentation with each new application and offers no guarantee of funding or loan offers and the terms thereof. All Loan decisions are made by our lending partners and subject to their specific underwriting criteria and approval processes.
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