We specialize in creating tailored lending packages for individual businesses.
As one of the leading commercial, industrial, and mixed-use lenders in Long Beach and its surrounding area, we provide the best terms and most competitive rates, which is a testament to our continual success.
Our expedited processing and dedicated customer service enables our clients to meet their own financial goals in less time, with greater ease. Here are a few additional benefits in choosing Val-Chris as your commercial or industrial financial lender:
- Working capital
- Acquisition financing
- Growth capital
- Management buyouts
- Debt refinancing
- Debtor-in-possession financing
- Confirmation plan financing
Finding a Commercial Loan, The Right Fit
Obtaining a loan from a traditional lender is a difficult process with strict guidelines. At Val-Chris, we provide the best lending solutions to our clients regardless of their financial situation. We offer competitive lending packages with the best terms and conditions for commercial or industrial loans.
Cash Flow Financing Loan
When a company borrows money using its projected income instead of their assets, that is a cash flow loan. These types of investments ultimately end with an increase in expected revenue; therefore, lenders enable companies to utilize the revenue as collateral. Eligibility is determined through consideration of a company’s competitive position, operating strength, and general management. Cash flow financing loans are ideal for businesses that depend on financial assistance during slower months, or a business taking advantage of an unplanned opportunity.
Stretch Asset-Based Loans and Hybrids
The combination of cash flow and asset-based lending in a single credit line facility is the definition of a stretch asset-based loan. Cash flow coverage in this type of loan is maintained with financial covenants and the asset-based portion is managed by the collateral coverage, monitored on a monthly borrowing basis. Lenders are obligated to frequently confirm normal levels of collateral and cash flow that are acceptable prior to any loan advances.
Schedule a Consultation
For additional information about commercial lending, please visit our contact page or contact us directly. Our Account Executives are standing by to assist you with your commercial / industrial / mixed-use lending inquires.