Our specialty is custom-tailored lending packages for individual businesses.
We consistently offer the best terms and most competitive rates, which is evident in our continual success as one of the leading commercial / industrial / mixed-use lenders in Sacramento and the surrounding areas.
Our team of account executives possess unparalleled expertise and experience, and offer an array of financial solutions for all of the different criteria in commercial loans. Here are just a few benefits in choosing Val-Chris as your commercial or industrial 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 approved for a loan can be difficult with a traditional lender, if not impossible. We are committed to obtaining the best lending option for our clients regardless of their financial situation. Our comprehensive lending packages include the most competitive commercial or industrial loans with the best terms and conditions.
Cash Flow Financing Loan
A cash flow loan basically allows a company to borrow money using its expected income, as opposed to their assets. These investments usually result in an increase of projected revenue, which is why lenders allow companies to use that revenue as collateral. To determine eligibility for financing, a lender would consider a company’s competitive position, general management, and operating strength. This type of loan is great for businesses that rely on cash flow during slower months, or a business that wants to take advantage of an unplanned opportunity.
Stretch Asset-Based Loans and Hybrids
Stretch asset-based loans and hybrids combine cash flow and asset-based lending in one credit facility. The cash flow coverage is maintained with financial covenants, while the asset-based aspect is managed by the collateral coverage, monitored on a monthly borrowing basis. Lenders must regularly confirm proper levels of collateral and cash flow are acceptable prior to any loan advances.
Schedule a Consultation
Learn more about commercial lending on our contact page. If you have any questions or concerns regarding this topic, please contact us directly. Our account executives are standing by to help you with your Commercial / Industrial / Mixed-use lending needs.