"Tailored approach to funding, designed to meet your specific needs and goals.!"
Whether you're looking to start a new venture, expand your operations, or simply need some extra financial support, we're here to help. Our team of experts is dedicated to providing you with the best possible experience, and we're proud to be a trusted partner for businesses and entrepreneurs alike.
Consumer Finance
"Consumer finance solutions are financial products and services designed to help individuals manage their personal finances, including loans, credit cards, and savings accounts."
Small Business Loan
"Small business loan solutions are financial products designed to provide funding for small businesses, including term loans, lines of credit, and other lending options."
Franchise Financing
"Franchise financing solutions are financial products designed specifically to provide funding for individuals looking to start or purchase a franchise business, including loans, lines of credit, and other lending options."
Stated Income RE
"Stated income commercial real estate solutions are financial products designed to provide financing for commercial real estate transactions without the need for traditional documentation or verification of income, allowing for a simplified and streamlined loan process."
Equipment Financing
"Equipment financing solutions are financial products designed to provide funding for the purchase of equipment and machinery, including loans, leases, and other lending options."
Healthcare Financing
"Healthcare financing solutions are financial products designed to provide funding for individuals and businesses within the healthcare industry, including loans, lines of credit, and other lending options to help fund the cost of medical procedures, equipment, and other healthcare expenses."
Purchase Order Financing
"Purchase order financing is a financial solution designed to provide funding for businesses to fulfill large purchase orders, by paying suppliers on behalf of the business and allowing the business to repay the financing once the goods are sold."
Unsecured Business Loans
"Unsecured business loans are financial products designed to provide funding to businesses without the requirement of collateral, offering businesses a flexible and accessible funding option based on their creditworthiness and financial performance."
Lead a comfortable life while we take care of your finances.
85,000+
Businesses Helped
$2.5 Billion+
Secured With Partners
Accounts Receivable
Accounts Receivable Financing Options
When you’re looking for ways to maintain your cash flow without overcomplicating your obligations, accounts receivable financing might just be your best option. Not only does it let you access money you are owed quickly and without waiting for payment, it also gives you the opportunity to outsource your receivables, streamlining your administrative overhead. That’s not even the only way this form of financing introduces savings.
When you use accounts receivable financing, you get payment insurance on your customers, because the advance is a no-recourse distribution to you and the responsibility of payment is on your customer. On top of that, the fees are predictable, so over time it will be easy to build them into the cost of estimates for customers whose account you finance on a regular basis.
Benefits of Financing Receivables
Fast cash when you need it
Never worry about your outgoing expense commitments again
Reusable whenever you have outstanding receivables
No loss of equity in the company
No increase in long-term debt for the company
No worries about application costs or closing costs
Start Working on an Application Today
If you’re ready to move forward and finance your outstanding accounts, get in touch with our associates today. They can explain the process to you and help you submit the materials you will need to get approved for financing.
Commercial Real Estate Financing
Financing Options for Your Next Commercial Real Estate Acquisition
If you’re looking into purchasing real estate, you know that your choice of financing options makes a great deal of difference to the success of your investment. That’s not only because different financing options fit the business cycle of different investments. It’s also because sometimes you need to see a range of options to decide what the best choice happens to be. We work hard to make sure you have the full range of choices you need to invest wisely.
Available Commercial Real Estate Financing Options:
Conventional Loans provide fixed interest rates with amortizing payments and no prepayment penalties.
CMBS Loans can give you additional interest savings if you don’t plan on pre-paying the loan.
SBA Loans provide generous terms for small businesses buying facilities for their own operations.
Bridge Loans secure the short-term financing you need to improve a property before reselling it or refinancing it into long-term financing.
FHA and HUD Loans include programs set up by the federal government to encourage investment in federal housing programs, and our team can connect you to them.
Construction Loans work on a milestone-based organization, so you can count on unlocking new levels of funding as you build equity into a property.
Mezzanine and Equity Sponsorship provides financing that combines loan debt with sponsorship investment to provide for larger financing packages than loans alone can manage.
International Financing gives you the chance to get funding through high net worth investors, wealth funds, and other sources that are large enough to handle investing in global development projects.
For more information about your options, talk to one of our associates today to find out more. Each option has minimum and maximum values, and our team is great at helping you find the right commercial real estate financing for your next acquisition. They can even help you start an application once you are ready to move forward.
Consumer Financing
Setting Up Your Own Consumer Financing Program
If you’re looking to offer credit to your customers, finding a good financial partner to help manage your consumer finance program is essential. With the right support, you can get all the benefits that offering customers credit brings to a business while minimizing your risk and speeding up the process of approving each new customer.
Benefits of Consumer Financing
Attract new customers easily by offering a path to payment
Encourage repeat business from existing customers
Provide options for customers who don’t want to use conventional credit cards
Provide financing for those who can not access other forms of credit
All these things add up to a more attractive environment for your customers to spend in, and that encourages them to go ahead and make the purchases they need.
Program Parameters
Funding for people with FICO scores above 580
E-signature and instant credit approval
Up to $10,000
Works with practically any industry
Flexible interest rates
Tiered pricing
Offer incentives like six months same as cash
Let us assist with collecting on bad debt portfolios
For more information about integrating our consumer financing program into your operation, you just need to contact our team. Associates are always ready to help you implement the solutions that will help your business grow, so don’t wait.
Equipment Financing
Equipment Leasing and Financing Options
Sometimes, you don’t need to buy the equipment for your next big move in business. Sometimes, it makes more sense to lease it, so you can gain a return on the investment without a long-term commitment to building equity in an asset. At other times, though, the core equipment you need to work will become one of your most important assets, and when you are planning to upgrade that equipment, you need equipment financing that will support your investment. That’s why we built an equipment leasing and financing program designed to give every business options.
Startup Companies
Many companies find it hard to access the financing they need early in their lifespans because many lending institutions want two years of operating history as part of an application. We have a program designed to connect those companies to the equipment they need to get working!
Leasebacks
When you have older equipment that you’ve paid off and you need working capital for a new project, sell that equipment and lease access to it, and you can avoid long-term debt while gaining the capital you need for your new upgrades.
Funding Tiers
There are three funding classes when you apply for equipment financing through us. Regardless of whether you are attempting to qualify for less than $150,000, between that amount and $500,000, or even more, there are a few core features of our products you can count on:
Terms up to 84 months
Flexible rates to fit a variety of customers
Numerous options for repayment structures
Prompt decisions
Lease or buy
B, C, and D Credits
When you’re restructuring to find your new place in the market, we can help. Established companies who are repositioning themselves can work with us to assess their equipment needs and make a plan that gets them the best financial benefit from their existing equipment.
For more information, contact us today.
Franchise Financing
Powerful Franchise Financing for First-Time Investors
Your investment in a franchise operation is a powerful statement of confidence in an established brand. It’s also a great way to grow and stabilize a business quickly, because franchise brands have built-in customer bases that make them identifiable, as well as national advertising support. Of course, you still need to fund the franchise license, equipment, human resources, and location, which is why you need to have franchise financing that is flexible enough to help you reach your goals.
The Financial Program
Our financing for franchise operators was built to provide powerful tools with few restrictions. That’s why we offer stable interest rates, amortizing payments, and terms that let you make a long-range investment that controls your monthly overhead. As a result, you can easily put cash into any obligation to bring together all the parts of your operation quickly. The sooner you launch, the sooner you can begin expanding and reinvesting in your business.
Program Parameters
Fast closings and commitments
Extra cash for working capital
Up to 90 percent LTV
No application costs or closing costs
Up to 25-year terms
First-time owners
For more information or for help starting an application, contact us today. Our associates are waiting to help connect you with the funding you need to get your franchise operation up and going today.
Healthcare Financing
Financing Help Exclusively for Healthcare Providers
One of the greatest strengths of our community is the desire that so many have to help others. We applaud those who allow that desire to lead them into careers that meet an essential need we all share: healthcare. However, few realize the financial sacrifices it can take to establish a medical, dental, chiropractic, or veterinary practice. Fortunately, we do, and we’re here to help those providers that need it every step of the way.
Offering Assistance at Any Stage of Your Career
You know full well the difficulties that can come with establishing a new practice. We want to help you overcome them by offering financing options that will allow you to buy into an existing medical group or set up your own clinic. Either way, you’ll need help outfitting your offices with the latest medical equipment and meeting your overhead costs during those times when patient volumes are low.
Our exclusive Medical and Healthcare Financing Programs can get you the funds needed to deal with the aforementioned issues. We can finance you for up to 72 months with loan amounts as much as $75,000 based off your application information only, or $250,000 with your full financials. Beyond working capital, our programs can open up the door to new opportunities, such as:
Practice expansion
Continuing education
Debt consolidation
Through the Healthcare and Medical Financing programs offered here, you can get all of the financial assistance you’ll need to keep your practice running smoothly. We look forward to partnering with you to help serve the local community, Call and speak with one of our financial professionals to learn more about our portfolio of lending tools.
Merchant Cash Advance
Stop Looking for Creative Ways to Secure Quick Business Cash
Have you ever been in that position where you just needed to get some fast cash for your company? Maybe you had some equipment malfunction, wanted to take advantage of seasonal sales volumes, or needed money to meet your overhead. Whatever the reason, you likely didn’t get any help from the bank. Its policies would have had you waiting for days just to get an answer as to your creditworthiness. Well, your days of having to get creative in such situations are over. After all, you have us here to rely on.
A Merchant Cash Advance – The Solution You’ve Been Searching For
We offer clients like you a Merchant Cash Advance whenever they’re in a punch. Here’s how it works:
Give us a call to complete the application (you’ll be amazed at how little paperwork is actually involved)
You get approved and get your money within as little as seven days
Your advance is repaid through a small withholding from your future credit card payments
It really is that simple. There are no application fees, no closing costs, and no need to put up assets or equity as collateral. All you need is a merchant account, and you can get as much as $200,000 for each of your business locations.
A merchant cash advance is the perfect solution to get quick cash when your company needs it. Our team makes setting such an advance up a breeze. Give us a call and we’ll show you just how easy this process can be.
Purchase Order Financing
Unlock the Full Potential of Your POs
Every small business owner looks forward to that day when he or she secures his or her first major purchase order. If that day has arrived for you, allow us to offer you our congratulations. Of course, you’re probably just starting to realize the strain that filling this order will out on your resources. If your traditional lending channels are locked up elsewhere, you may end having to dedicate everything you’ve got to satisfying this new client. How will you have the time or money to see to the other aspects of your business?
Trust in Our Purchase Order Financing Program
That’s where our Purchase Order Financing program comes in. By using your existing POs as collateral, you can secure instant cash to help guarantee your ability to meet your client’s demands as promised and on-time. With your production capacity assured, you then have the freedom to go out and secure new orders.
Countless companies like yours have reaped the benefits of PO financing, including:
Expanding market share
Developing brand loyalty
Avoiding further bank debt
Why can’t your company be next?
PO financing is the ideal tool to help deliver you the financial flexibility you need to contribute to your small business’ growth. Let us here provide you with the exciting lending tool. Together, we’ll ensure your production capacity and free up the resources needed to grow your business. To learn more about this program, contact us today.
Small Business Loan
The Financial Friend Small Businesses Need
Small businesses like yours need all of the help that they can get during their early days of operation. There’s the expenses that come from your company’s formation and organization, the costs of securing production space and capacity, and advertising to both the online market and your local community. Too often, your startup capital just can’t match your ambitions. That is, of course, until your found us here.
Get Your SBA Loan Faster than You Ever Thought Possible
We work exclusively with lenders to whom authority has been granted by the federal government to approve small business loans through the SBA 7(a) and 504 programs. What does this mean to you? It means that whereas other financial firms may make you wait weeks to hear about your SBA loan status, we can get you prequalified in as little as 48 hours. If your business meets the SBA programs lending standards, you can have a quick infusion of growth capital faster than you ever thought possible.
SBA Loan Details
Just how much can an SBA loan help your small business? Most in your position tend to struggle in the following areas after having just started their companies:
Purchasing or leasing new space
Outfitting their businesses with new equipment
Consolidating their debts
An SBA loan is the perfect tool to help overcome any of those problems. Depending on what program you qualify for, you can secure up to $5 million on terms between 15-25 years. All SBA loans are fully amortized, and offer market competitive rates. Plus, if and when your operations take off, you can shorten your loan term without worrying about prepayment penalties.
We pride ourselves on being the commercial finance partner small businesses can count on. Our status as an SBA Preferred Financial Services Company ensures that we’ll be able to turn your small business loan application around in no time at all. Let us give your company the financial “shot-in-the-arm” it so desperately needs. To get your SBA loan application started, give us a call today.
Stated Income Commercial Real Estate
Financing Flexibility You Won’t Find Anywhere Else
Success in the commercial real estate market requires flexibility. Once you’ve identified the perfect property for your business, you need to have the lending flexibility needed to land it before a competitor can. Oftentimes, traditional lenders simply cannot offer you that much freedom. Fortunately for you and your business, we can.
The reason that banks and credit unions can’t be flexible when it comes to financing is because they’re bound by traditional lending restrictions. These policies typically place an inordinate value on your company’s credit profile. Yet what if yours is a new business without any established credit? Our Stated Income Commercial Real Estate program then becomes your best option.
Our Stated Income Commercial Real Estate Program
Simply put, stated income loans are those that rely on a property’s income producing potential when determining your credit worthiness. The approval process for such a loan goes as follows:
You present the property details to us (along with your plans for its use).
We analyze the information to determine whether the income the property has the potential to generate sufficient revenue to cover the costs of the loan (e.g., mortgage payment, property taxes and insurance fees).
We approve you for up to $500,000
A stated income loan can be used to purchase any type of commercial property, including retail spaces, restaurants, apartments or warehouse space. Companies with credit scores as low as 400 have seen this program get them the funds they need.
There’s a good reason why so many companies like yours view us as the preferred provider of commercial finance solutions. Our ability to look outside the box when it comes to financing allows business in all manner of situations and scenarios to get what they need.
If your current needs include fast real estate financing, then our Stated Income Commercial Real Estate program is the answer you’ve been searching for. Call and speak with one of our financial experts today for more details.
Unsecured Business Lines of Credit
Credit at Just the Right Cost
Just as is the case with consumers, many company’s fail to fully analyze the cost of credit. Providers look to prey on your ignorance, forcing you into giving up valuable business assets as collateral or saddling you with insanely high interest rates. They assume that you simply can’t afford to be without a credit line, and that desperation will force you into accepting any terms they offer. We believe they’re half right: Your company needs the protection of credit. Yet we have no interest in gouging you for the right to have it.
Credit Lines for Companies Large and Small
We offer unsecured business lines of credit that allow you to keep all your assets and still enjoy an excellent rate. Even in cases where you lack an established credit profile, we can offer you a line of up to $50,000 with added benefits such as:
Low cost credit checks
Rates between 1-5 percent over prime
0 percent introductory offers
Yet our credit lines are not meant simply for small businesses. If your company generates annual revenues between $1 million and $10 million, you could qualify for a line of as much as $500,000, as well.
Never pay an unnecessary cent for credit ever again. With an unsecured business line of credit, you can enjoy all the security such an account offers without the inordinately high costs. That’s just one of the benefits you get when you make us your preferred commercial finance partner.
Call today to get your credit application started.
Don't take our words for it, Hear from our clients
Our mission is to empower businesses and entrepreneurs with the financial resources they need to succeed. We believe that access to funding should not be a barrier to growth, and our goal is to provide our clients with tailored, affordable, and accessible funding solutions that meet their unique needs.
George Owens
"Working with Joe Martin & Associates was a game-changer for my business. I was in need of funding to take my business to the next level, but I had no idea where to start. That's when a friend recommended Joe Martin & Associates.
Max Tanner
From the first conversation, I knew I was in good hands. The team at Joe Martin & Associates took the time to understand my business and my goals, and they provided me with a tailored funding solution that met my needs perfectly.
Kim Wexler
Thanks to Joe Martin & Associates, I was able to secure the funding I needed to expand my operations, hire new employees, and invest in new technologies. The process was seamless, and their exceptional customer service made the experience even better.
Billy Jackson
I'm proud to say that my business has grown significantly since working with Joe Martin & Associates, and I'm confident that I wouldn't have been able to achieve this success without their help. I highly recommend them to any business looking for funding."
