Jacobsfamilyadvisors

Term Loan

A term loan provides businesses with a lump sum of capital that is repaid over a set period with fixed or variable interest rates. This financing option is ideal for long-term projects or major expenses, such as expansion or equipment purchases.

Line of Credit

A line of credit gives businesses flexible access to funds up to a set limit, allowing them to draw as needed and pay interest only on the amount used. It’s perfect for managing cash flow fluctuations or covering short-term operational expenses.

SBA Loan

Backed by the Small Business Administration, SBA loans offer favorable terms and lower interest rates for businesses that meet specific eligibility criteria. They are ideal for long-term investments such as real estate, equipment, or business expansion.

Equipment Financing

This type of financing helps businesses acquire new or used equipment by providing a loan or lease. The equipment itself acts as collateral, making it a practical solution for companies looking to grow or upgrade without depleting cash reserves.

Working Capital Loan

A working capital loan is designed to cover day-to-day operational expenses, such as payroll, rent, or inventory, ensuring businesses maintain smooth operations even during slower revenue periods.

Unsecured Bridge Loan

An unsecured bridge loan provides quick, short-term funding without requiring collateral. It helps businesses bridge the gap between major financial events, like securing permanent financing or closing on a property.

Invoice Factoring

With invoice factoring, businesses sell their outstanding invoices to a third party at a discount, providing immediate cash flow. This is an excellent option for companies that need to speed up cash collection and fund operations without waiting for customer payments.

Purchase Order Financing

Purchase order financing allows businesses to obtain funds to pay suppliers for goods before receiving payment from customers. It’s ideal for companies that need to fulfill large orders but lack the immediate capital to do so.

Factoring

Factoring provides businesses with a cash advance by selling their accounts receivable to a financial institution. This service helps companies improve their cash flow by converting outstanding invoices into immediate funds.

Real Estate Loans

Real estate loans provide the financing needed to purchase, refinance, or develop commercial properties. These loans offer flexible terms, helping businesses invest in real estate while managing their financial obligations.

Asset-Based Loans

Asset-based loans use a company’s assets—such as inventory, equipment, or accounts receivable—as collateral for a loan. This option is ideal for businesses that need capital but may not qualify for traditional financing due to limited credit history.

Construction Loans

Construction loans offer short-term financing for building or renovating commercial properties. These loans provide businesses with the funds needed to cover construction costs and are typically converted into permanent financing once the project is complete.

Mezzanine Financing

Mezzanine financing is a hybrid of debt and equity financing, allowing businesses to raise capital with lower priority than senior debt. It’s a flexible solution for growth or acquisition, offering higher returns in exchange for taking on more risk.

Consolidations

Loan consolidation allows businesses to combine multiple debts into one loan, simplifying repayment and often securing a lower interest rate. This is an effective way to streamline financial management and reduce overall debt service costs.

Mergers and Acquisitions

Mergers and acquisitions (M&A) financing provides the necessary capital for businesses to acquire or merge with other companies. This type of financing helps facilitate business growth, expansion into new markets, or consolidation of operations, offering tailored solutions to meet the specific financial needs of the transaction.

Merchant Cash Advance

A merchant cash advance provides businesses with a lump sum of capital in exchange for a percentage of future credit card sales. This option is ideal for businesses with consistent card transactions looking for quick, flexible financing without a traditional loan structure.

Invoice Financing

Invoice financing allows businesses to borrow against their outstanding invoices, providing immediate cash flow while waiting for customers to pay. This solution is perfect for companies that need quick access to funds to cover operational expenses or invest in growth.

Home Equity Line of Credit (HELOC)

A HELOC allows homeowners to borrow against the equity in their home, offering a revolving line of credit that can be drawn on as needed. This flexible financing solution is often used for major expenses like home improvements, debt consolidation, or education costs. by converting outstanding invoices into immediate funds.

Personal Loans

Personal loans provide individuals with a lump sum of money that can be used for various purposes, such as consolidating debt, covering emergencies, or funding personal projects. These loans typically have fixed interest rates and repayment terms.

Capital Raise

Capital raising involves securing funding from investors to grow or expand a business. This can be done through equity or debt financing, and it’s an essential service for businesses seeking to scale operations, enter new markets, or launch new products.by converting outstanding invoices into immediate funds.

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