Our commercial loan packages are tailored and customized for each individual business.
We strive to offer the best terms and the most competitive rates and fees to our clients, which has been the cornerstone to our success in being one of the leading commercial/industrial/mixed-used lender in San Jose.
We offer creative loan constructions that cover the varying criteria in commercial loans. Here are a few incentives in selecting 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
We are dedicated to helping our clients achieve their business goals no matter their financial situation. Our account executives are committed to securing the most competitive commercial or industrial loan with the best terms and conditions.
Cash Flow Financing Loan
Cash flow financing is a type of loan that enables a company to borrow money using its projected income as collateral as oppose to its assets. We examine the company’s competitive position, general management and operating strength to determine the measures and eligibility for financing. This type of loan is ideal for a business that experience seasonality and can be beneficial for a company to take advantage of unplanned opportunities.
Stretch Asset-Based Loans and Hybrids
Stretch asset-based loans and hybrids are designed to solve specific credit needs by combining cash flow and asset-based lending in one credit facility. The loan approved on the cash flow coverage portion is typically managed with financial covenants while the asset based component is usually supported by collateral coverage and is monitored on a monthly borrowing basis.
Schedule a Consultation
Please visit our contact page or call us to discuss any questions or concerns regarding commercial lending. We are here to assist you with the best lending option to fit your business needs.