We offer custom lending packages unique to each business to fit their financial needs.
For over the last 40+ years, we have been one of the leading commercial, industrial, and mixed-use lenders in Oakland and the surrounding areas, providing the best terms and aggressive rates, which has been evident in our continual success.
We hold ourselves to the highest standards delivering quick and easy loans with amazing customer service and a positive lending experience. Learn more about the amazing 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
Getting a loan from a conventional lender can be an arduous experience. However, at Val-Chris, we offer competitive lending packages with amazing terms and conditions with industry leading loan closing times.
Cash Flow Financing Loan
A cash flow financing loan utilizes projected income instead of assets to borrow money. What ends up happening is an increase of projected revenue, which enables companies to use revenue as collateral. The following is taken into consideration to determine if a company is eligible: the company’s competitive position, operating strength, and general management. These types of loans are best used in situations where a business needs financial assistance during slower months. They are also ideal for companies interested in taking advantage of an unplanned opportunity.
Stretch Asset-Based Loans and Hybrids
Stretch asset-based loans utilizes a combination of cash flow and asset-based lending in one credit line facility. The cash flow coverage portion is usually maintained with financial covenants. On the other hand, the asset-based part of the loan is managed by the collateral coverage, which is regularly monitored monthly. Lenders are required to confirm acceptable levels of collateral and cash flow before any loan advances.
Schedule a Consultation
Learn more about commercial lending by contacting us or visiting our contact page. Our experienced lending specialists are available to assist you with your commercial / industrial / mixed-use lending inquires.