What is an SBA Loan? An SBA Loan is a government-backed loan program designed to help small businesses secure financing with favorable terms. These loans are partially guaranteed by the U.S. Small Business Administration (SBA), which reduces the risk for lenders and makes it easier for business owners to access capital, even if they don't have a perfect credit history or collateral.
What is a DSCR Loan? A Debt Service Coverage Ratio (DSCR) Loan is a unique type of mortgage designed for real estate investors. Instead of relying on your personal income or credit score, the lender uses the income generated by the property to determine your eligibility. It’s an ideal option for property owners looking to expand their portfolio or refinance investment properties.
What is Income-Based Qualification? Unlike traditional loans, DSCR loans focus on the property’s ability to generate enough income to cover the mortgage payments. If your property’s rental income meets or exceeds the monthly debt payments, you may qualify for this loan, even if your personal income is limited or if your credit score isn’t perfect.
What is my interest rate? Our interest rates vary depending on a variety of factors, including the type of loan, your credit profile, and the specific details of your investment or project. We work with multiple lenders to ensure you get the most competitive rate available for your unique situation. For a more accurate rate quote, we’d be happy to discuss your specific needs and guide you through the options. Please feel free to contact us, and we’ll provide a personalized rate based on your circumstances.
What is an Unsecured Business Credit Line? An Unsecured Business Credit Line is a revolving line of credit that provides your business with flexible access to funds, without the need for collateral. This means you can access capital as you need it and only pay interest on the amount you use. It’s a great option for businesses that need to manage cash flow, cover short-term expenses, or seize new opportunities quickly, without the commitment of a traditional loan.
How quickly can you get me funded? We know that time is money, which is why we prioritize a fast, transparent, and efficient loan process. From application to approval, our streamlined approach ensures you get access to capital as quickly as possible, without unnecessary delays. We understand that businesses often need quick solutions, and we work hard to make it happen.
What is Accounts Receivable Financing? AR Financing is a type of funding that allows businesses to access immediate capital by using their outstanding invoices as collateral. Rather than waiting for customers to pay their bills, AR financing lets you unlock the cash tied up in receivables to cover operational costs, pay employees, or fund growth opportunities. This solution is ideal for businesses with a strong customer base but slow-paying invoices. It provides the flexibility you need without the debt burden of traditional loans.
What are the advantages of an SBA Loan? SBA loans typically offer lower interest rates than conventional loans, as they are partially guaranteed by the U.S. government. This makes borrowing more affordable, especially for businesses with limited credit histories or higher risk profiles. Long Repayment Terms One of the major advantages of SBA loans is the long repayment terms. SBA 7(a) loans can be repaid over 7-25 years depending on the type of loan and purpose. Longer repayment periods mean lower monthly payments, easing cash flow concerns for small businesses.
What are the advantages of a DSCR loan? One of the biggest advantages of a DSCR loan is that it typically doesn’t require personal income verification. Unlike traditional loans, which often require borrowers to prove personal income or tax returns, DSCR loans focus on the income generated by the property itself. This can make the loan application process faster and easier, especially for real estate investors with complex financial situations.
Can a DSCR loan help me purchase my next property? The DSCR loan is an excellent choice for real estate investors or business owners looking to finance income-producing properties without relying on personal financials. With benefits like easier qualification, higher LTV ratios, and competitive interest rates, a DSCR loan can be an ideal solution for maximizing your real estate investment potential.
Why should I use Revive Capital? We don’t believe in one-size-fits-all solutions. Every Investor has its own set of needs, goals, and challenges. That’s why we work closely with each client to understand their specific situation and create customized financial strategies that align with their objectives. Whether you need a traditional loan, SBA financing, or something more specialized like DSCR or AR financing, we provide personalized solutions designed for your business growth.