Working Capital Loans for Small Business
Small businesses that need working capital and sale/leaseback arrangements turn to Cembrus Capital for creative solutions. Our newest program offers credit worthy businesses working capital loans between $15,000 and $150,000. This financing is available to virtually any business owner (excluding medical practitioners) with good credit.
All transactions must be personally guaranteed by the principal business owner(s). Proof of ownership must be verified and on-site verification that the business exists will be required. Both the primary and secondary credit bureau reports are used to determine credit worthiness. Credit card debt in excess of $25,000 must be fully explained as part of the credit investigation, and evidence of such may require additional information (additional tax returns, etc.). Depending on the size of the transaction, or when deemed necessary, business credit reports may be ordered and reviewed.
A security deposit equal to two payments is due at commencement, and Automated Clearing House Payments "ACH" are required on the remaining payments (with a $10 per month opt out fee if ACH is removed). Variable payment streams are not accepted. All other standard credit criteria must be met along with the additional notable exceptions:
| Amount |
TIB |
FICO Score |
Allowable Terms |
Number Tax Returns* |
Bank Balance |
| $15,000-$34,999 |
3yrs. |
700 |
36-48 months |
None |
Mod 4 |
| $35,000-$49,999 |
5yrs. |
715 |
36-60 months |
None |
Med 4 |
| $50,000-$74,999 |
5yrs. |
725 |
36-60 months |
2yrs. |
High 4 |
| $75,000-$150,000 |
7yrs. |
750 |
36-60 months |
3yrs.** |
Low 5 |
* Personal and business tax returns including all schedules.
** A Current personal financial statement is required for all principals and guarantors.
A blanket UCC lien on the business will be executed in the name of Cembrus Capital. A documentation fee of $500.00 will be required for all transactions.
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