Effective November 2025 the programs have changed and improved to those listed below

Program 1: 100% Financing Options for Fix and Flip – 3 Flips Minimum

This program requires no minimum credit score and no minimum experience and will fund 100% of purchase and 100% of rehab up to 70% ARV.

• Minimum Loan Amount:            $100,000
• Maximum Loan Amount:            $500,000
• Experience:                                     No Minimum
• Credit:                                              No Minimum
• Max Loan:                                       70% ARV
• Term                                                 6 Months
• Liquidity:                                         Closing Costs, plus 10% of Rehab Budget, plus 6 months interest payments
• Time to Close                                  1 to 2 weeks / Hybrid Appraisal
• Available States:                            CO, GA, FL, NC, OH, TX- No Rural

Program 2: 100% Financing Options for Fix and Flip – No Experience Required

This program requires no experience but will fund up to 75% ARV with 700 credit score and acceptable experience.

• Minimum Loan Amount:            $100,000
• Maximum Loan Amount:            $1,250,000
• Experience:                                     No Minimum
• Credit:                                              Minimum 650
• Max Loan:                                       650 Credit Score = 65% ARV / 700 Credit Score = 70% ARV / 700 Credit Score + experience = 75% ARV
• Term                                                 9 Months
• Liquidity:                                         Closing Costs, plus 25% of Rehab Budget
• Time to Close                                  2 to 3 weeks / Appraisal
• Available States:                            AL, CT, DE, FL, GA, IN, KY, MA, MD, MO, NJ, NC, OH, PA, SC, TN, TX, and VA – No Rural

Program 3: 100% Financing Options for Fix and Flip – 5 Flips Minimum in last 5 years

This program requires no minimum credit score and no minimum experience and will fund 100% of purchase and 100% of rehab up to 70% ARV.

• Minimum Loan Amount:            $100,000
• Maximum Loan Amount:            $1,000,000
• Experience:                                     5 in the last 5 years
• Credit:                                              700
• Max Loan:                                       70% ARV
• Term                                                 6 Months
• Liquidity:                                         Closing Costs, plus 10% of Rehab Budget, plus 6 months interest payments
• Time to Close                                  5 to 7 business days No Appraisal
• Available States:                            Nationwide Except CA, AZ, MN, NV, OR,UT, VT, ND, SD – No Rural
• Light Rehab Only                          No Medium or Heavy Rehab

Program 4: 100% Financing Options for Fix and Flip –  Gap Funding Options

This program the funding for down payment and closing costs can be funded through our Gap Funding Options.  Minimum Credit Score 680. Payments Rolled into the loan with no liquidity requirement.

• Minimum Loan Amount:            $100,000
• Maximum Loan Amount:            $4,000,000
• Experience:                                     No Minimum   Rate, Points and Term based on experience
• Credit:                                              620 – based on experience  620 – 5+ Experience otherwise 660 – Gap Funding 680+ depending on credit profile and income verification
• Max Loan:                                       75% ARV
• Term                                                 12 – 18 Months
• Liquidity:                                         None required
• Gap Funding                                   Business or Personal Term Loans (approval Based on credit profile and income) or 0% interest financing  Hybrid lines-                                                                           (Approval based on credit profile only)
• Time to Close                                  2 to 3 weeks / Appraisal
• Available States:                            Nationwide Except CA, AZ, MN, NV, OR,UT, VT, ND, SD – No Rural

Gap Funding: The buyer will get financing for the down payment and maybe even closing costs from a separate source.  FBC Funding has partnered with companies to offer o% funding card stacking and or term loans to facilitate Gap Funding. To qualify for the 0% Funding programs borrower should have at least a 680 credit score (preferably 720 or higher) but the approvals are based on credit profile not just the credit score. These programs require no income verification and borrower receives prequalification in 5 minutes or less. The term loans do require income verification and borrowers need a minimum credit score of 650 for these programs. Click here for free prequalification for Gap Funding.

Program 5: 100% Financing Options for Fix and Flip – Seller Second Mortgage

This program requires no experience but will fund up to 75% ARV with the seller carrying a second mortgage for the down payment. Rural Properties Considered

• Minimum Loan Amount:            $100,000 (Minimum Purchase Price $85,000)
• Maximum Loan Amount:            $1,500,000
• Experience:                                     No Minimum Higher LTV with Higher credit score
• Credit:                                              Minimum 640
• Max Loan:                                       75% ARV
• Term                                                 12 Months
• Liquidity:                                         Closing Costs, plus 3 monthly payments
• Time to Close                                  2 to 3 weeks / Appraisal
• Available States:                            Nationwide Except CA, AZ, MN, NV, OR,UT, VT, ND, SD

Seller Second Mortgage: The seller agrees to accept a second mortgage on the property for the down payment.

Program 6: 100% Financing Options for Fix and Flip – Gift of Equity

This program requires no experience but will fund up to 75% ARV with the seller giving a gift of equity for down payment. Rural Properties Considered

• Minimum Loan Amount:            $100,000 (Minimum Purchase Price $85,000)
• Maximum Loan Amount:            $1,500,000
• Experience:                                     No Minimum Higher LTV with Higher credit score
• Credit:                                              Minimum 640
• Max Loan:                                       75% ARV
• Term                                                 12 Months
• Liquidity:                                         Closing Costs, plus 3 monthly payments
• Time to Close                                  2 to 3 weeks / Appraisal
• Available States:                            Nationwide Except CA, AZ, MN, NV, OR,UT, VT, ND, SD

Gift of Equity: the seller agrees to sell the property for less than the current value. The seller agrees to give you the difference in equity. For example the current property value is $150,000. The seller wants $100,000. They sell it to you for $150,000 and gift you $50,000 with the balance of $100,000 coming from the loan. For the buyer this equates to 100% financing.

To apply click here 

For more information

call: 888-848-3114

email: louisj@fbcfunding.com

Click here to schedule a Free Loan Consultation

The post Five 100% Financing Options for Fix and Flip appeared first on FBC Funding.

Many investors have opportunities to dramatically grow their business with  a Seller Second Mortgage allowing them to scale faster with less money and giving the seller what they want. In this article we will unlock the benefits and present how we help investors create wealth and build real estate portfolio quickly with FBC Funding 100% seller second mortgage financing.

Unlocking Opportunity: The Benefits of No Money Down Financing for Fix and Flip Projects with a Seller Second Mortgage

In the world of real estate investing, nothing sparks interest quite like the phrase “no money down.” For fix and flip investors, this financing strategy can turn a potential project from a dream into a done deal—especially when combined with a seller second loan. It’s not just about keeping cash in your pocket; it’s about multiplying opportunities, increasing returns, and scaling up without waiting on your savings to catch up to your ambition.

Let’s break it down.

What Is No Money Down Fix and Flip Financing?

In a typical fix and flip loan scenario, a lender will fund a percentage of the purchase price (commonly 75-90%) and 100% of the rehab budget. The borrower is generally responsible for the down payment, usually 10-25% of the purchase price, out of pocket. But with a no money down structure—specifically one that includes a seller second mortgage—that gap can be filled by the seller themselves, allowing the borrower to bring little or nothing to the closing table.

The seller “carries back” a second-position loan (often 10-25% of the purchase price), subordinated to the first lien from the fix and flip lender. The result: full financing for both acquisition and rehab with minimal cash investment.

The Benefits of Seller Second Mortgage

1. Preserve Capital

You keep your cash available for emergencies, overruns, or—better yet—your next deal. In this business, liquidity is king. A Seller Second Mortgage no money down approach allows you to maintain flexibility and avoid tying up capital in a single project.

2. Higher ROI

Return on investment is a key metric for any flipper. When you invest little or none of your own money, your ROI skyrockets. If a deal returns $50,000 in net profit and you only had $5,000 in closing costs out of pocket, that’s a 1,000% return. Yes, please.

3. Faster Scaling

Want to flip two, three, or five properties at once? No money down seller second mortgage financing makes it possible. Instead of waiting to recoup profits from one flip to fund the next, you can leverage seller seconds to build a pipeline of ongoing deals.

4. Motivated Sellers Make Good Partners

If a seller is willing to carry a second lien, they’re often highly motivated to make the deal work. This opens the door to favorable terms, more flexibility, and in some cases, even joint venture partnerships.

5. Less Personal Risk

Because you’re using minimal personal funds, your financial exposure is limited. That doesn’t mean you can take unnecessary risks (you’re still responsible for the loan), but it does lower the financial barrier to entry.

The Guidelines

1. Credit Score:  660
2. Loan Amount: $100,000 to $1,500,000
3. Minimum Purchase Price $85,000
4. LTV: 70% to 90% depending on experience and location
5. Seller Second Mortgage: up to 100% CLTV
6. LTARV: up to 75%
7. Liquidity: closing costs plus 3 to 6 months reserves

Proceed with Caution (and Competence)

Of course, no money down seller second mortgage financing doesn’t mean no responsibility. You still need: 1) a solid deal (70% rule), 2) a sound exit strategy (sell or rent), and 3) a lender (FBC Funding) who allows creative financing. Not every seller will agree to a second lien, and most lenders won’t will allow one. But when the stars align, this strategy can be a powerful way to build momentum.

In the end, the real beauty of a no money down fix and flip deal isn’t just in the financing—it’s in the freedom it provides to do more, faster, with less risk and more reward.

And that’s what real estate investing is all about.

For more information or to get prequalified for a seller second fix and flip mortgage

Call FBC Funding @ 888-848-3114 or

email louisj@fbcfunding.com or

click here to schedule a free loan consultation

The post Seller Second Mortgage for Fix and Flip appeared first on FBC Funding.

There are many residential real estate investors who own one to four unit investment property with lot’s of equity and great rates. A lot of these investors would like to get cash from the equity in their properties but do not want to refinance to higher rates for another thirty years.

The Solution is a new product, the Cash Out DSCR Second Mortgage. This product allows Cash Out of your 1 to 4 unit investment property without losing the low rate on your current mortgage, without starting a new 30 year term or without losing the accelerated principle reduction investors now experience because they have had a mortgage for a number of years. The Cash Out DSCR Second Mortgage is a DSCR Rental loan where there is no income verification and the loan is underwritten based on the cash flow of the property. This business purpose loan can help many investors and save them thousands of dollars while allowing them to continue to grow their portfolio. Here are a few Benefits of the Cash Out DSCR Second Mortgage.

Benefits of a Cash Out DSCR Second Mortgage: Unlocking Equity

For real estate investors, financial flexibility is key. A cash out DSCR (Debt Service Coverage Ratio) second mortgage is a strategic tool that offers a wealth of benefits, empowering investors to leverage equity for growth without disrupting existing loans.

A DSCR second mortgage focuses on the cash flow of the property rather than personal income, making it ideal for investors with multiple properties or non-traditional income streams. By using the property’s rental income to qualify, borrowers avoid the scrutiny of complex personal financials, enabling a streamlined approval process.

The cash-out feature unlocks your property’s equity, providing immediate liquidity to reinvest in new opportunities, fund renovations, or consolidate high-interest debt. Instead of letting equity sit idle, this approach turns it into a powerful asset, fueling portfolio growth or improving cash flow.

Because it’s a second mortgage, this option leaves the first mortgage intact, avoiding the potential expense and hassle of refinancing a favorable primary loan. Borrowers can access capital without losing their low interest rates or favorable terms on their first loan.

A Cash Out DSCR second mortgage also enhances flexibility. With fixed or interest-only options available, investors can choose terms that align with their financial strategies, optimizing cash flow while planning for the future.

Terms of the Cash Out DSCR Second Mortgage: a Business Purpose Loan

Loan Amount: $50,000 to $500,000

Loan To Value: Up to 85%

Loan Term: 20, 25, or 30 years

Prepayment Term Options: 5 year, 3 year, or 1 year

Current Rates: 8.5% to 10.5% depending on credit score, LTV, property location and property type. (rates as of this writing. rates change daily)

Qualifications of the Cash Out DSCR Second Mortgage: a Business Purpose Loan

Eligible States: Nationwide in 41 states and Washington DC, except; 1. Arizona 2. California 3. Minnesota 4. Nevada 5. North Dakota 6. Oregon 7. South Dakota 8. Vermont 9. Utah

Property Type: 1. Single Family Residence  2. 2-4 Unit Multifamily  3. Condominium (Warrantable only)  4. Townhomes

Credit Score: 680+ – 65% LTV, 700+ – 70% LTV, 720+ – 75% LTV 740+ – 80% LTV, 760+ 85% LTV (Single Family Home only)

DSCR Requirements: 1.10% up to 75% LTV, 1.20% up to 80% LTV, 1.25%, up to 85% LTV

Eligible Borrower: The borrower must be one of the following business entities: 1. Limited partnership 2. Limited liability company  (All members with 20% ownership or more must be guarantors) 3. Corporations

Finally,

Whether you’re expanding your portfolio, boosting property value, or securing funds for unexpected expenses, a cash-out DSCR second mortgage is a tailored, practical solution for today’s savvy real estate investor. By thinking strategically about equity, you can turn untapped potential into actionable success. for more information call FBC Funding @ 888-848-3114 or email louisj@fbcfunding.com

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Most Fix and Flip Real Estate Investors would prefer to put little or no money down when buying a property to rehab and sell. Using our 100% Fix and Flip financing with Gap Funding can help many investors who did not qualify for our full documentation 100% program.

The Advantages of 100% Fix and Flip Financing with Gap Funding: The advantages are many and a few are listed below.

• Little or No Money out of Pocket!
• Do Deals you otherwise could not!
• Purchase multiple properties at once!
• Take advantage of projects when your liquidity is low!
• Do More Deals and Make More Money!
• Greater return on your investment!

Little or No Money out of pocket means you have your money for other projects, for cash reserves or to do whatever you want to do with it.

To Do Deals you otherwise could not because you did not have down payment, closing costs and reserves. Gap funding can provide down payment, closing costs, reserves, and money to start the project.

Purchase multiple properties at once provides you an opportunity to take advantage of more than one deal at a time. You only invest in deals that make money, so you don’t miss a good investment.

Take advantage of projects when liquidity is low allows us to not lose out on good investments due to short term low in liquidity.

Do more deals make more money is obvious. You can make more money when you can do more deals. You even make more money by doing more deals at a higher costs because your are doing more deals. A simple example is if you make $60,000 to do one deal, it makes sense to do 2 deals and only make $55,000 per deal with the same funds and at the same time you can only do 1 deal.

Greater return on your investment means you invest less and therefore your return on investment is greater. Savvy investors understand return on investment is more important than costs. In the previous example the costs were $5,000 greater per project but for the same amount invested you can make $110,000 instead of $60,000.

The Disadvantages of 100% Fix and Flip Financing with Gap Funding:

Simply put, gap funding adds additional costs to your project. The costs could be 7% to 12% of the amount of the gap funds. The question you must answer with each deal you do, first, is it a good investment. Secondly ask yourself will any of the advantages of using Gap Funding for 100% fix and flip financing help me and make this a worthwhile deal.

Qualifications for 100% Fix and Flip Financing with Gap Funding:

Gap Funding is signature only funding with no collateral and you can qualify with no income verification or with income verification. For no income verification you should have a credit score of at least 720, no lates in the last 2 years, credit history greater than 4 years with at least one unsecured account greater than $5,000. For income verification the credit score can be as low as 680 but the verifiable income should be at least $50,000.

Let FBC Funding help you close more deals and make more money with a higher return on investment with our 100% fix and flip financing with Gap Funding.

To be prequalified we need a recent credit report and the last 30 days of pay stubs or 2 years tax returns if self employed. Income verification is not necessary for the lite doc program.

For more information call Louis at 888-848-3114

Or click here to schedule a free loan consultation.

The post 100% Fix and Flip Financing with Gap Funding appeared first on FBC Funding.

FBC Funding Partners with Real Estate Investors, helping new and experienced investors meet their short term and long term financing needs.

We are Real Estate Investors, Lenders and Mortgage Brokers ourselves. We offer many financing options for residential and multifamily investment properties including:

Fix and Flip, Rental Loans, Bridge Loans, Construction Loans, Portfolio Loans, Multifamily Loans and Home Equity Investments 

If you need Hard Money, Conventional or Alternative Financing for your residential, multifamily, mixed use or commercial properties we can help.

Programs Include:

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Qualifies for Home Equity investment

Home Equity Loans & Lines of Credit

We have all heard of HELOCs, the Home Equity Line of Credit.  Many real estate investors know about Home Equity Loans. But not many have heard of Home Equity Investments?  The Home Equity Investment (HEI) is an equity investment and not a loan. There are many advantages of the Home Equity Investment versus the Home Equity Line of Credit  and Loans. I learned of HEI’s about 4 to 5 years ago.  I thought is was a unique offering back then, but there was a very limited market as program offered was very limited. Equity financing of residential real estate has evolved and today there much better offering, with more options that would appeal to many more Real Estate Investors and home owners looking for funding.

To understand Home Equity investments we must first understand  Home Equity Loans and Lines of credit. Simply a lender, usually a commercial bank, makes a loan, a first or a second mortgage, against the equity in your property.  This is a loan that requires the borrower to qualify with acceptable income and acceptable credit. The Home Equity Loan is a fixed loan amount, with a fixed rate, for a fixed period of time. Therefore a HEL is a loan against the equity in your property. The Home Equity Loan is a good relatively low cost way to get money to invest in real estate if the investor lives in a home with substantial equity that they can use. Even better than a Home Equity Loan is a Home Equity Line of Credit, or a HELOC. The HELOC, is a line of credit versus a loan and has the advantage of no payments or interest charges when there are no funds in use, plus the investor can use funds pay them down and use them again. Effectively, have funds to use and not paying for the use of those funds if they are not in use.

Qualifies for Home Equity Investment

Home Equity Investment

A Home Equity Investment is neither a loan or a line of credit. It is as the name implies, it is an equity investment. With a Home Equity Investment there are no monthly loan payments and there is no fixed rate of return.  The home equity investor is making an investment based on the potential growth in equity of the home they invest in.

With a HEL the borrower and the lender know exactly what the cost to use the lenders money is. With an HEI the cost is a percentage of the appreciation of the equity in the home. For instance if the home appreciates $100,000 in value from the time of the equity investment the investor would receive a percentage of that increase in value as the return on their investment, at the time the home is sold or refinanced. With any equity investment, there is the risk of the investment losing value. When an investment loses value it depreciates. Therefore the home equity investor has a chance to lose money.

This may seem a little complicated and risky for the homeowner (Real Estate Investor) and the home equity investor, but there are reasons why a Home Equity Investment might be a great option for a Real Estate Investor.

The big advantage today is the Home Equity Investment works for owner and non owner residential one to four unit real estate. And the investment qualifications are not based on credit score, or income and they can go for up to thirty years. This is also good for investors who do not want to risk their personal residences as collateral for their real estate investment business. Currently, these are the only states the Home Equity Investment is offered CA, CT, OR, WA, MA, CO, NJ, VA, DC, FL, NY, MD, PA, IL, MN, MI, AZ, NC. The property must also be in an urban or suburban area. The program is not available in rural locations.

Qualifies for Home Equity Investment

Home Equity Investment or HEL or HELOC

There are advantages of each program for Real Estate Investors. Any Investor with substantial equity in real estate and they need funds to help build their business, there is no one right option. Weigh the pro’s and con’s of each option and make an informed decision. HEI is another financing tool in your real estate investment business arsenal.

The trained professionals at FBC Funding can help you make the right choice for your real estate investment options.

For more information email Louisj@fbcfunding.com or call 888-848-3114

You can also complete the quick quote form.

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100% Fix and Flip Financing

We offer a few 100% fix and flip financing options. Most programs require great credit plus a lot of recent experience in flipping residential houses. If you are looking for 100% fix and flip financing you may qualify for the seller second mortgage program. Instead of you paying a down payment the seller can carry a second mortgage that will be paid off monthly or when you sell / refinance the property. There are many benefits to the seller second mortgage fix and flip program, including 100% financing and lower monthly payments.

Seller Second Mortgage

We have been asked many times will you allow a seller to carry a seller second mortgage on fix and flip financing and the answer has always been no. Now we can. A Seller Second is when the seller will sell you a property and instead of receiving full payment at closing they will allow the borrower tho sign a note for the balance owed to them. For example, if the purchase price is $100,000 yet the borrower can only come p with $80,000 (either as cash, financing or a combination of the two) then the balance due is $20,000. The buyer would sign a note for the $20,000 which would be subordinate to any purchase financing secured. The $20,000 is then repaid either by monthly payments, a balloon payment due at a specified time or both monthly payments with a balloon payment due at a specified time. This allows the buyer to have little or no money for down payment. The borrower may have funds but choose not to use them and thereby leveraging their money to do multiple deals.

This is a great option but most lenders do not allow it. Most lenders requires the buyer to have skin in the game. The risk to them are much greater when the buyer is not investing cash into the development project. We now offer this program in 16 States.

Guidelines for Seller Second Mortgage for Fix and Flip

• Minimum Credit Score: 600 – no bankruptcies or forecloses in the last 2 years
• Minimum Experience: 1 flip in the last 2 years
• Minimum Cash in Bank: $15,000 – regardless of loan size
• Minimum Loan: $100,000 including purchase and rehab
• Maximum Loan Amount: $1,000,000 including purchase and rehab
• Maximum Loan Amount: Can not exceed 70% of After Repair Value for borrowers
• Maximum Rehab: The rehab amount can not exceed the base loan amount
• States where Program is Available: Colorado, Connecticut, Florida, Georgia, Illinois* (only borrowers who have completed 10 flips in the last 2 years), Maryland, Michigan, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Massachusetts.

Seller Second Mortgage Fix and Flip Program Terms

• LTV: 85% to 90% of Purchase Price – 100% of Rehab costs
• ARV: Up to 75% with 4 flips or more in the last 2 years. 70% between 1 – 3 flips in the last 2 years
• Rate:  8% – 13% depending of LTV and Experience
• Origination Fee: 2% to 4.5% depending on loan amount
• Term: 12 Months

Call 888-407-6767 to review your project for the many fix and flip programs and options.

or email louisj@fbcfunding.com

The post Seller Second Mortgage Fix & Flip -100% Financing appeared first on FBC Funding.

Rebuilding The Construction Industry

FBC Funding offers a great second mortgage business loan for home improvement contractors. The construction industry lost more than 40% of its workforce between 2006 and 2011. The Great Recession caused not only job loss but lenders to shy away from lending to small businesses in that industry. When the economy recovered from The Great Recession, the gap in the workforce remained and lenders have still refused to lend to many home improvement contractors. Even though the workforce remains low, industry revenue continues to grow.

“According to IBIS World reports, trades are multi-billion dollar businesses; plumbing businesses employ almost half a million workers and generate over $100Bn in revenue, and electricians employ almost 1 million workers and generate $171Bn in revenue. 2017 has already seen the highest Housing Market Index numbers since The Great Recession, an optimistic sign home builders expect a boom in business.”

The demand for new housing and home remodeling coupled with a smaller workforce equals great opportunities for small business owners in the home improvement and new construction industry. Home builders, architects, plumbers, electricians, heating and air conditioning contractors as well as drywall installers, flooring installers and the like all stand to profit from current market conditions.

FBC Funding’s Second Mortgage business loan program can provide the capital needed to buy materials, hire workers, and market your business with responsible rates and transparent terms. If your business needs capital quickly to start new projects, FBC Funding can deliver funds faster than traditional lenders.

Second Mortgage Business Loan Terms

• Term: Up to 60 months
• Amount: $50,000 to $1,000,000
• Payments: Monthly
• Rates: 6% to 24%

Second Mortgage Business Loan Client Profile

• Monthly Revenue: At Least $12,500
• Time in Business:  At Least 2 years
• Credit Score: At Least 640
• Bankruptcy: At Least 3 years old

Second Mortgage Business Loan Documentation Needed

• Application and Debt Schedule
• Last 2 years business tax returns
• Last 1 year personal tax returns
• Last 6 months bank statements
• Year to Date Profit and Loss

The post Second Mortgage Business Loan for Home Improvement Contractors appeared first on FBC Funding.

Second Mortgage Loan for small businesses who own commercial or residential investment real estate. This is a short term, full documentation business loan with real estate as collateral. The loan amount is based on the cash flow from your business. Even though the program is titled second mortgage we can use any hard asset as collateral such as equipment or inventory. Therefore, Small Businesses who rent may also qualify for significant savings over short term cash advance and revenue based business loan products.

Second Mortgage Loan Benefits

Compared to other short term business loan products these are the benefits:

• Lower interest rates: Rates as low as 6% for borrowers with great credit and lower loan to values of the collateral. Rates can go as high as 24% but these are much lower than Merchant Cash Advance and other revenue based loan products.
• Longer Terms: Terms from 12 to 60 months are much lower than the Merchant Cash Advance and other revenue based loan products.
• Lower Payments: This really goes without saying. Lower interest rates for longer terms equal lower payments and greater cash flow and net profit.
• Higher Loan Amounts: With cash advance products you are generally limited to 10% of your average gross revenues. This means a company that grosses $480,000 annually may only qualify for a $40,000 to $50,000 cash advance. Under the Second Mortgage Loan for Small Businesses you may qualify for 5 times the funding or more depending on your net income.
• Monthly Payments: As with all mortgage programs the payments are monthly, not daily or weekly which is common practice in the revenue based lending and cash advanced programs.
• MCA / RBA Comparison: Considering the short term merchant cash advances and related programs we offer lower interest rates, longer terms and higher loan amounts with repayments on a monthly basis. Considering these factors a business can borrow more money for a lower payment to meet the business growth goals.

Who Benefits from Second Mortgage Loan for Small Businesses

If you are a small business who is trapped on the Merchant Cash Advance or Revenue Based Loan merry-go-round where your cash flow and profits are being sucked away by these outrageous payments. If you can not grow your business because of lack reasonable funding then this is the program to help you grow your business.

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