As an experienced and creative lender, we offer a variety of financial solutions that cover the range of different criteria in commercial loans. Incentives in choosing Val-Chris as your commercial or industrial lender include:
- Working capital
- Acquisition financing
- Growth capital
- Management buyouts
- Debt refinancing
- Debtor-in-possession financing
- Confirmation plan financing
Finding a Commercial Loan, The Right Fit
We understand that getting a loan can be difficult with a traditional lender. We are dedicated to helping our clients find a great lending package, regardless of their financial situation. We offer the most competitive commercial or industrial loans, with the best terms and conditions.
Cash Flow Financing Loan
When a company wants to borrow using its projected income as collateral rather than its assets, the best option is usually a cash flow loan. In determining eligibility for financing, a lender would examine the company’s competitive position, general management and operating strength. This type of loan is ideal for businesses taking advantage of unplanned opportunities or businesses that experience significant seasonality.
A cash flow loan is a form of cash flow financing that enables a company to borrow money using its projected income as collateral, rather than its assets. To determine the measures of eligibility for financing, we typically examine the company’s competitive position, general management, and operating strength. This type of loan is best suited for businesses that experience seasonality and companies attempting to take advantage of unplanned opportunities.
Stretch Asset-Based Loans and Hybrids
Stretch asset-based loans and hybrids are a unique credit structure tailored to solve certain specific credit needs of clients by combining cash flow and asset-based lending in one credit facility. The loan approved on the cash flow coverage is managed with financial covenants, while the asset-based portion is typically maintained by the collateral coverage, monitored on a monthly borrowing basis.
Schedule a Consultation
More information regarding commercial lending can be found on our contact page. If you have any pending questions or concerns, please contact us directly. Our experts are standing by to assist you in finding the best lending option to help you achieve your business goals.