If you sell your products or services to businesses that pay in 30, 60, 90 days or more, Plethora Financial Solutions has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer's credit, not yours. This is not a "debt." You are selling an asset. But it is more than just an asset sale; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customers' credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance

Businesses with strong B2B or B2G invoices, facing cash flow gaps, or needing quick liquidity.

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Use The Money To...

• Fund Payroll or Other Operating Expenses
• Purchase Inventory to Take Advantage of Bulk/Early Payment Discounts
• Fund Expansion and Growth
• CRespond to Seasonal Demands and Opportunities
• Take on That Large New Account with Confidence

Business Acquisition Financing involves securing funds to purchase an existing business. Key considerations include properly valuing the business, conducting thorough due diligence, and understanding repayment terms. These steps are critical to ensuring the acquisition is financially sound and aligns with the buyer's goals. In many cases, it's possible to buy a business with as little as 10% down by leveraging options like SBA loans, which often require a lower down payment, or through seller financing, where the seller agrees to finance a portion of the purchase price.

The advantages of business acquisition financing include immediate growth opportunities and reduced risk compared to starting a new business from scratch. However, challenges such as the debt burden and potential integration issues between the acquiring and acquired businesses must be managed carefully. When done correctly, this financing, especially with a minimal down payment, can be a powerful tool for business expansion and long-term success.

Entrepreneurs looking to grow through acquisition, established businesses seeking to expand.

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Capital to fund any company acquisition, Strategic Growth, Market Expansion, Expert Guidance.

We offer traditional working capital loans with great rates and up to 1-5 years to repay. We can finance businesses in all 50 states and get approvals in 24-48 hours.

This is a conventional fixed rate loan in amounts of between $20,000 and $500,000. We also have a FAST TRACK loan program where we can provide a loan of between $20,000 to $100,000 and all we need is an application and the last four months bank statements.

The application takes less than 10 minutes and funding can be available in as little as 3 days. This is a great program for clients in a wide variety of industries. A sample of the Industries and the restricted industries are listed below:

This direct lender has certain industries and business types that they are unable to fund. Examples include: Used car dealers, Banks and other lending institutions, Insurance carriers Money service businesses, Adult entertainment, Marijuana-related businesses, Non-profit entities, Government entities, Online gambling services. Additionally, they cannot lend to businesses in North Dakota, South Dakota, or Nevada.

•  Gas Stations
•  Convenience Stores
•  Dry Cleaners
•  Agriculture/Farming
•  Distilleries/Breweries
•  Restaurants/Bars
•  Liquor Stores
•  Healthcare
•  Pet Care
•  CPAs
•  Lawyers
•  Engineers
•  Hotels & Motels
•  Other Personal/Professional Services

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Conventional fixed rate loans, Predictable Payments, Long-Term Growth Support, Flexible Usage.

Automatic Approval!

Your church can be automatically approved for a loan to purchase the equipment you need now.

We offer low rates and up to 60 months to repay with a 95% approval rate.

We can finance:

•  Pews, Organs, or Pianos
•  Computers
•  Sound and Video Equipment
•  Air-Conditioning and Heating Systems

Just About Any Type of Equipment Your Church Needs

Our Church Equipment Finance Programs

We offer 2 specific programs so that every church nationwide can qualify to get financing for any equipment their growing church needs. Below is a list and a brief description of each program and what a church would need to qualify for that specific program.

Established Church Program

Church must be established for 2 years or more if the church is part of a major denomination. 5 years or more if the church is non-denominational.

Church may have a few as 100 members, and as many as 500 members or more.

Newer Church Program

Church must be established for 2-5 years or more.

Must have a personal guarantee from the church board.

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Low rates and up to 60 months to repay, Flexible Terms, Community Project Funding.

Often, a company may be approved for a loan through its bank or financial institution, but the loan might not close for 4-6 months. During this waiting period, a short-term bridge loan can be provided, which will be repaid when the senior loan closes, ensuring that the company's short-term financial needs are met without delay. These loans are particularly valuable in situations requiring rapid action, such as property acquisition, renovation, or seizing time-sensitive opportunities. Typically ranging from six months to three years, bridge loans offer the crucial advantage of speed and flexibility. They may come with higher interest rates and fees due to their short-term nature, but they allow borrowers to capitalize on immediate opportunities that might otherwise be lost.

Additionally, other types of short-term collateralized loans can be offered, with the ability to close in as little as 10 days or less, providing further flexibility in accessing necessary funds.

Businesses with a clear exit strategy (e.g., pending sale, long-term loan approval).

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Short-term capital, Collateralized flexibility, Quick access to funds.

Plethora Financial Solutions is a specialist in funding all types of specialty trucks and construction equipment. We work directly with equipment dealers or end users. Our specialty is less than perfect credit or people who have been turned down by traditional sources. We can approve transactions in 24-48 hours or less. Normally, we do not require financial statements or tax returns on any transaction up to $300,000. We also have a preferred rate program for better credits. Our application is the easiest to fill out. If you have been turned down for credit from any other company Plethora Financial Solutions can help contact us.

Construction companies, contractors, builders.

Some of the types of equipment we can finance:

• Above Ground Fuel Tanks
• Backhoe
• Bulldozer
• Chipper
• Concrete Mixer
• Cranes
• Dump Truck
• Excavator
• Trailers
• Street Sweeper
• Mechanic's Truck
• Roofing Truck
• Stump Cutter
• Flat Bed Truck
• Garbage Truck
• Tow Truck
• Tractor-Farming
• Sewer & Septic

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Up to $300,000, Flexible terms for new or used equipment, Preserve Working Capital.

Working Capital Loans

Need working capital? With an equipment equity loan from Plethora Financial Solutions you can put cash in your company's pockets, take on more jobs, acquire new equipment or expand your business.

Our equity loans are not based on the profitability of your company but the value of your equipment. Even if your personal credit is badly damaged we can get you the cash you need - Now! Call us today!

Accounts Receivable Financing

Are you waiting 60, 90 or 120 days to get paid for your work? We can lend you money for working capital or any other reason the same day you bill and we get paid back when you get paid. Call for details.

Growing companies enter into loan agreements to pay for equipment needed to expand their businesses. Loans have different maturities and in most cases, the companies have built-in equity in the equipment. We will pay off all your lenders and refinance all your equipment into one loan.

This can result in reduced payments of 30% or more, so your cash flow and bottom line are greatly improved.

Businesses struggling with high monthly payments or multiple debts.

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Reduced payments of 30% or more, Improved Cash Flow, Financial Stability, Avoid Bankruptcy.

Example of a recent transaction:

A manufacturing company had combined monthly payments of $28,000 per month. We were able to reduce their payments to $18,000 a month, saving them $10,000 per month in additional cashflow.

Get No Hassle Quick & Easy Cash Up To $150,000

• For Any Use In Under 7 Days
• No Financials, Tax Returns or Asset Documentation
• Approvals in 24-48 Hours
• Funding in 3 to 4 days after approval

We are proud to announce one of the easiest and most beneficial ways to get quick cash for your business.

Poor credit? Late payments? Bank turndowns? NO PROBLEM

Businesses needing fast, unsecured access to capital for unexpected expenses or urgent opportunities.

If you take credit cards in your business you owe it to yourself to check out this cash advance solution. And here's the absolutely best part of this program. 

Once you have repaid 50% of the advance you can make a simple phone call to re-borrow the paid amount. It's by far the quickest and easiest way to get cash short of going to your own ATM.

STEP 1 - HOW TO QUALIFY

Determine how much your average monthly credit card sales are for the last six months. Then check the simple requirements below:

•  You have been in business for 1 year or in some cases less.
•  You have at least $20,000 in monthly sales.

A simple example of how much you can borrow: Add up your credit card monthly processing statements for the last 6 months. Perhaps it totals $540,000. Divide by 6= $90,000. You can get 80-120% of that amount or $72,000 to $108,000.

STEP 2 - CONTACT US

Call us and we'll complete a simple one page application. You will be eligible for an advance of between 80-120% of your average monthly credit card receipts.

No Hassle Quick & Easy Cash, Flexible Repayment, Unsecured Option.

Types of Leases We Offer

Approvals for application in only 24 hours. Middle market and large ticket usually take 3-5 days. Up to 84 months to repay with excellent rates. These programs are for companies established for two years or more.

• Application only to $300,000
• No financial statements necessary
• No tax returns necessary
• Middle market financing up to $2M
• Large ticket over $2M

Sale & Lease Back

Many companies need working capital for expansion and do not want to use their bank lines for working capital. We have a program where we can use the equity in your existing equipment to give your company the working capital it needs. We buy your equipment and lease it back to you and when all the payments are made you own the equipment again.

Startup Program

Most financial institutions will not finance companies that are just going into business. If your company has just started in business, or is in business for a short time usually less than two years, we can help you grow by financing the equipment you need to be successful.

B, C and D Credits

In these tough economic times many businesses have suffered financially. Additionally, the owners of these companies have seriously damaged their personal credit. We have developed a "second chance" program to help these companies. We can structure your financial needs to help you rebuild your company.

Government and Municipal Leasing

We can provide lease financing to any government or municipal entity with guaranteed approval. The rate is determined by the rating of the municipality or government agency. A partial list of who we finance: 

• Federal Government Agencies
• Armed Services, State Agencies
• Public Schools, Police Department
• Fire Houses
• Libraries

We can finance any state or federally controlled entity.

Businesses needing new or upgraded equipment without a large upfront investment.

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Leasing is the right choice!

Leasing is one of the fastest growing ways of acquiring equipment in business today. Recent surveys found that 80% of U.S. businesses, from Fortune 500 to the local family business, lease some portion of their equipment. A growing business often faces the dilemma of limited cash flow and the need to add equipment. 

Leasing can put the equipment to work for you with real cash flow advantages and without major capital investment. We can lease virtually any type of equipment, including software and installation.

Fixed payments through the term of the lease.

Unlike bank lines of credit that usually have variable rates, lease payments are fixed no matter what happens in the market. By choosing to lease you won't be a victim of skyrocketing interest rates. Remember the 80's when rates rose from 9% to over 20% in one year? That can't happen with leasing.

Low monthly payments and no need to tie up capital.

The monthly lease payment will usually be lower than the payment required by other methods of financing. Keep your business' cash for future needs, unexpected expenses or working capital when revenues are low.

You can always lease equipment - you can't lease money!

Most types of financing require down payments of up to 25%, whereas leasing covers 100% of the cost of the equipment. Most leases require only one or two payments in advance. Get immediate use of the equipment with minimal up-front cost.

Preserve existing lines of credit.

Leasing has no impact on your bank credit lines. Protect your borrowing power for other business needs or opportunities.

Eliminate obsolescence.

Technology is changing at a rapid fire pace. What meets your business' needs today may be obsolete three years from now. Leasing allows you the flexibility to maintain a competitive edge by giving you today's best technology then allowing you to upgrade when the equipment has outlived its advantage.

Significant tax and accounting advantages.

Leasing eliminates the need for complicated depreciation schedules since lease payments are generally line item expenses on your P&L statement. And since lease payments can usually be treated as a pre-tax business expense you may even reduce your taxes. Paying cash for equipment automatically adds 30-40% to the cost when you realize that cash = profits and taxes are paid on profits. Leasing is the right choice! It minimizes demands on cash flow, eliminates obsolescence, keeps your bank lines open, saves on taxes and shelters you from the market.

What is Fix-and-Flip?

Fix-and-Flip involves purchasing a property that needs repairs or renovations, improving it, and then selling it for a profit. The goal is to quickly enhance the property's value through renovations and capitalize on market conditions to achieve a significant return.

Benefits:

• High Return Potential: Significant profit margins by buying low, renovating, and selling high.
• Control Over Investment: Direct influence over the renovation process and property value.
• Quick Turnaround: Shorter holding periods enable faster realization of profits.
• Reduced Capital Outlay: Financing 80-90% of the purchase price and 100% of the rehab costs minimizes initial investment.

What is Fix-and-Hold (Rental)?

Fix-and-Hold involves buying a property, renovating it, and then holding onto it as a rental property. The investor earns rental income from tenants while potentially benefiting from property appreciation over time.

Benefits:

• Steady Income: Provides a consistent stream of rental income.
• Long-Term Appreciation: Potential for property value to increase over time, enhancing equity.
• Tax Benefits: Possible deductions for rental property expenses and depreciation.
• Diversification: Adds a stable income-generating asset to the investment portfolio.

What is Ground-Up Construction?

Ground-Up Construction refers to building a new property from the ground up, starting with an undeveloped piece of land. This process involves planning, obtaining permits, and managing the construction of a new building.

Benefits:

• Customization: Ability to design and build a property to specific requirements and preferences.
• Modern Standards: New constructions can adhere to the latest building codes and standards.
• Potential for High Returns: Successful projects can yield significant returns if well-planned and executed.
• Long-Term Value: New properties can offer long-term appreciation and lower maintenance costs initially.

Real estate investors, property flippers.

• Cash in 24 Hours
• No Personal Guarantees
• We Finance Any Type of Business
• No Recourse Even if the Account Does Not Pay
• Credit Insurance on Your Clients At No Cost To You
• No Arbitrary Loan Board Decisions, No Fixed Payments
• As Sales and Receivables Increase, Funding Increases
• Focus On Your Business, Not Collections

Financing Benefits for All Strategies:

Ground-Up Construction refers to building a new property from the ground up, starting with an undeveloped piece of land. This process involves planning, obtaining permits, and managing the construction of a new building.

• Reduced Capital Outlay: Financing 80-90% of the purchase price and 100% of the rehab costs lowers the initial capital required for fix-and-flip and fix-and-hold projects.
• Enhanced Profit Potential: With substantial financing support, investors can maximize profits across fix-and-flip, fix-and-hold, and ground-up construction.
• Leverage: Financing allows investors to use leverage effectively, amplifying potential returns.
• Tax Benefits: Possible deductions related to property expenses, renovation costs, and depreciation.
• Diversification: Expands investment opportunities into different real estate strategies.

Your financing approach supports a range of real estate investment strategies, making it easier for investors to undertake fix-and-flips, fix-and-holds, and ground-up construction projects with reduced initial costs and enhanced profit potential.

Benefits of Residential Fix-and-Flips

• High Return Potential: Significant profits from buying low, renovating, and selling high.
• Control and Influence: Directly impact property value through renovation decisions.
• Market Timing: Capitalize on favorable market conditions for better selling prices.
• Tangible Asset: Provides a physical asset with intrinsic value.
• Skill Development: Gain expertise in project management and market analysis.
• Local Market Insight: Learn about local real estate markets and neighborhoods.

Benefits with Your Financing

• Reduced Capital Outlay: Finance 80-90% of the purchase price and 100% of rehab costs, minimizing initial investment.
• Substantial Profit Potential: Capture more profit with significant financing support.
• Tax Benefits: Potential deductions for property expenses and renovation.
• Diversification: Adds real estate to investment portfolios.
• Leverage: Amplify returns by leveraging capital.
• Quick Turnaround: Faster realization of returns with shorter holding periods.
• Learning and Growth: Enhance future investment strategies with each project.

Your financing approach makes residential fix-and-flips an appealing and feasible investment opportunity, helping investors reduce upfront costs and achieve strong returns.

Working capital specifically designed for healthcare practices to manage expenses, expand services, or invest in new technology.

Types of Medical Professionals We Can Finance:

"Ologists" of all types, as well as Dentists, Family Practitioners, General Practitioners, MD's, Osteopaths, Psychiatrists, Veterinarians.

•  Board Certified Internists
•  Dermatologists
•  Maxillofacialists
•  OB/GYN's
•  Orthopedic Surgeons
•  Pediatricians
•  Plastic Surgeons
•  Cardiovascular Surgeons
•  General Surgeons
•  Neurosurgeons
•  Opthalmologists
•  Oral Surgeons
•  Periodontists.

• Loans ranging from $25,000 to $500,000
• Very Competitive Rates
• Credit Approval in 48 Hours from Application Submission
• Funding Within 5 Days of Receipt of Signed Documents
• Programs for Medical Professionals with Damaged Credit

Loans up to $500,000, Specialized for Medical Practices, Boost Cash Flow.

Growing companies enter into loan agreements to pay for equipment needed to expand their businesses. Loans have different maturities and in most cases, the companies have built-in equity in the equipment. We will pay off all your lenders and refinance all your equipment into one loan.

Our Philosophy

Unlike many other companies, we are purely focused on the commercial finance niche and recognize the difficulty brokers and borrowers experience locating financing for their commercial transactions in the current market. Our company implements a tiered approach to financing by utilizing our own access to capital, as well as that of others, to provide our clients with the best options possible.

Our premium customer service and attention to detail makes the commercial loan process simple for borrowers as well as commercial finance professionals.

Our Objective

While other lenders are turning down most commercial transactions today, our comprehensive approach enables us to offer loans for more borrowers and on more transaction types. 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.

Investors, developers, businesses looking to own their commercial property.

• Up to 90.0% LTV
• Loans From $75K to $10M+
• Investor & Owner Occupied Loans
• No Exorbitant Upfront Deposits
• Same Day Approvals
• Purchase, Refinance & Cash-Out
• Most Commercial Properties Considered
• Nationwide Programs

Loans From $250K to $10M+, Flexible Terms, Commercial Property Acquisition, Development Funding.