At Bradshaw Business Group, we understand that access to the right funding is crucial for businesses to achieve their goals. Whether you need capital to expand, purchase equipment, or manage cash flow, we offer a wide range of financing options to meet your specific needs.
Here’s a detailed look at the financing solutions we provide:
Lines of Credit
A business line of credit provides flexible access to funds when you need them, helping you manage short-term financial needs such as inventory purchases, payroll, or unexpected expenses.
- Features: Borrow only what you need and pay interest only on the amount used.
- Benefits: Provides financial flexibility and can be reused as funds are repaid.
This option is ideal for businesses seeking ongoing access to working capital without the rigidity of a traditional loan.
Secured Business Loans
Secured business loans require collateral, such as property, equipment, or other assets, to back the loan.
- Features: Offers lower interest rates and higher borrowing limits due to reduced lender risk.
- Uses: Can be used for significant investments, such as property acquisition, equipment purchases, or business expansion.
This is a great option for businesses with valuable assets looking for substantial capital at competitive rates.
Unsecured Business Loans
Unsecured business loans provide funding without the need for collateral.
- Features: Faster approval process and reduced risk to personal or business assets.
- Uses: Ideal for smaller, short-term financial needs like marketing campaigns or inventory stocking.
This option is best for businesses with a strong credit history seeking quick access to funds.
Invoice Factoring
Invoice factoring allows businesses to sell outstanding invoices to a third party at a discount in exchange for immediate cash.
- Features: Provides quick access to cash by leveraging your accounts receivable.
- Benefits: Improves cash flow without taking on traditional debt.
This solution is perfect for businesses experiencing cash flow challenges due to delayed customer payments.
Equipment Financing
Equipment financing enables businesses to purchase or lease equipment essential for operations.
- Features: Loan or lease specifically tied to the equipment being financed.
- Uses: Suitable for purchasing machinery, vehicles, technology, or other essential tools.
- Benefits: Often includes tax advantages and doesn’t require significant upfront costs.
This financing option ensures that businesses can acquire the tools they need to grow while preserving cash flow.
Merchant Cash Advance Consolidation
If your business has multiple merchant cash advances (MCAs) with high repayment rates, consolidation can provide relief by combining them into a single loan with more manageable terms.
- Features: Reduces daily or weekly repayment obligations.
- Benefits: Simplifies financial management and improves cash flow.
This solution is ideal for businesses struggling to manage multiple MCA payments and looking to regain financial stability.
SBA Loans
Small Business Administration (SBA) loans are government-backed loans designed to support small businesses.
- Features: Lower interest rates, longer repayment terms, and accessible to a wide range of industries.
- Uses: Can be used for working capital, expansion, equipment purchases, and more.
- Benefits: Ideal for businesses unable to secure traditional loans due to limited credit history or other challenges.
These loans are a reliable and affordable way for small businesses to access capital.
SBA Express Loans
SBA Express Loans are a streamlined version of traditional SBA loans, offering faster approval times and simplified application processes.
- Features: Loans of up to $500,000 with quicker turnaround times (typically within 36 hours for approval).
- Uses: Perfect for urgent needs like short-term capital, equipment purchases, or inventory replenishment.
This option is best for small businesses requiring quick access to government-backed funding.
