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Small Business Loans
Get A Small Business Loan
Calculate your debt service coverage ratio to determine how much your small business can afford. This equation compares the money you make to the debt you owe. It’s used to determine your loan eligibility. By calculating the Debt Service Coverage Ratio, a lender can find out how much cash a business has available to make payments on loan principal, interest, and fees (they may also use it for lease payments). If you need a higher DSCR to qualify for a business loan, you can either increase your business revenues, lower your business expenses, or lower the amount of outstanding debt that you have. Doing all of these things together has the highest impact. You stand the best chance of qualifying for a business loan if your DSCR is greater than 1.25. Use this easy to use calculator to determine your DSCR.
If your business does not have the collateral necessary to obtain traditional bank financing, but does have the daily money cash flow necessary to repay, we can help!
Funds are available now and can be used to:
1. Expand a Business, or complete tenant improvements. 2. Purchase new or used equipment / equipment leasing. 3. Purchase additional or seasonal inventory. 4. Provide or supplement temporary cash flow. 5. Expand medical / dental / chiropractic / law or accounting practices. 6. Hire new employees or increase staffing. 7. Expand current marketing & advertising efforts. 8. Restore, replace, pay off or can be used instead of a line of credit. 9. Any other worthwhile business purpose.
These funds are not secured by hard assets in the traditional sense as they are repaid in small fixed incremental amounts from the actual money cash flow of the business. So if your business has a daily, weekly or monthly cash flow, it can qualify for this type of financing regardless of the type of business it is.
Let us provide money financing to your businesses on an ongoing basis by becoming your financing partner. Consumers need financing options to purchase higher priced products whether these sales are completed in the home, in a retail store or via the internet. Anything such as medical equipment financing, furniture, memberships, health and fitness equipment, education, home improvement products, electronics, etc. Convert more customers & increase revenue, by offering affordable financing at the point of sale. If your business can offer financing to customers with all credit profiles, you’ll continue to attract more customer's at your business. Discount Lenders can provide your business with the consumer financing program to help your business grow.
Construction New Home Loan/End - Permanent Loan/Refinancing
Get the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, FHA, Jumbo, Home Equity Lines, VA and Commercial.
A Short-Refinance can help by refinancing a property for its new current value, allowing the homeowner to stay in their home with a more realistic and affordable monthly payment. It can help more people than just those that owe more on their mortgage than their home is worth or facing foreclosure. A Short-Refinance can also help those that are facing an upcoming adjustment on their ARM (Adjustable Rate Mortgage) loan, where the new interest rate will put their monthly payment out of their financial reach.
Living Benefits, Mortgage Protection, Term Insurance Affordable products that can be added to life insurance for help with long term care and chronic illness. Mortgage protection insurance and term insurance products.