Types of Financing Options

Types of Financing

At Cardinal Business Financing, Inc., we have the analytical abilities, industry experience, partner network, and passion for our customer's success to secure the correct type of financing for various small business goals.

Affordable, Accessible Working Capital for Small Businesses

Working capital is essential for small businesses to manage cash flow challenges like delayed payments, unexpected expenses, or new opportunities. Cardinal Business Financing offers solutions such as Small Business Loans, Working Capital Loans, and SBA loans, ranging from $25,000 to over $1MM, with fast access to capital and no hidden costs. We assist businesses of all credit profiles, including startups and those with damaged credit, and serve industries like retail, hospitality, healthcare, and construction. Partnering with experienced affiliates, we tailor financing to meet your specific needs, offering quick approvals and favorable terms. Reach out today for a prompt solution.

Accounts Receivable Financing
Business Acquisition Financing
Commercial Bridge Loans
Equipment Leasing
Flexible Financing for Seasonal Businesses
Small Business Administration Loans
Securities-Based Lending
Commercial Real Estate
Lines of Credit

Financing Options As Varied as the Market Itself

Every Commercial Real Estate Loan is unique; cookie-cutter solutions don't work in this market.

At Cardinal Business Financing, we offer flexible commercial real estate financing solutions for a wide range of property types, including multi-family, mixed-use, office, retail, and industrial complexes. With loan amounts from $75,000 to over $10 million, we work with private commercial lenders to meet the needs of both owner-occupied and investment properties, regardless of credit profile. While traditional banks often overlook small-balance borrowers, we specialize in closing loans between $200,000 and $5 million, providing options for those who struggle to qualify under strict banking guidelines. Our tiered approach, expertise, and personalized service ensure that every borrower finds the right solution for their unique financing needs.

In addition to being able to finance hard-to-place transactions, we offer loan programs for investors, owners, or companies seeking financing on strong, superior credit-grade transactions. Following are some of our general program guidelines:

– Up to 90.0% LTV	– Loans from $75K to $5M+
– Investor & Owner-Occupied Loans	– No Exorbitant Upfront Deposits
– Preliminary Approval in 24 Hours	– Rates from 4.0% to 6.75%
– Purchase, Refinance & Cash-Out	– Nationwide Programs

To learn more about our commercial real estate programs, please get in touch with us today.

Hospitality

Financing solutions enable improvements so your guests always feel right at home. Cardinal Business Financing, Inc. can provide your company with the right financing solution for your property. Through our expertise and that of our affiliates in the hospitality industry, we provide expert and seasoned advice in FF&E financing. Our financing programs are designed to assist the hospitality industry, where traditional bank financing can be challenging to obtain. We implement creative financing strategies, enabling you to acquire the equipment you need. We offer lease and finance programs for just about any type of furniture, fixtures, or equipment that your hotel/motel may need, including but not limited to:

Guest Room Furniture
Restaurant Furniture
Carpeting
Draperies
Mattresses
Hotel Renovations
Property Management Systems
Heating and Cooling Units
Fitness Equipment
Property Improvement Plans (PIP)

We provide financing for high-rise chains, bed and breakfasts, single-owner locations, and more. Traditional financing is difficult to obtain in the hospitality segment, with a high rate of loan applications being refused by banks. Cardinal Business Financing will provide creative and strategic strategies to offer you the right financing program for your property.

Cardinal's Alternative Financing and Working Capital Loan Products

Like any other small business owner, those in the hospitality industry can face cash flow issues for various reasons. Without access to cash, hotel owners can have a hard time making payroll, financing necessary improvements for FF&E, or paying their bills on time. Here at Cardinal, we provide creative options that will allow you to overcome cash flow problems.