Emerson Capital provides financing for the purchase of small businesses through SBA guaranteed loan programs. Through Emerson's established relationships with Preferred SBA Lenders, we are able to structure acquisition transactions that move through the underwriting process quickly and efficiently.
The SBA 7a loan program, allows for a buyer to purchase a business with as little as 10% cash injection.
Loan Approvals are based upon the business' established cash flow unlike conventional loans in which collateral is the driving force.
Buyers need to have sufficient cash for the equity injection, good credit and transferable management experience. Transferable management experience may take the form of a previous business ownership, established management skills or industry experience.
PROUDLY SERVING SMALL BUSINESS CLIENTS
FOR OVER 25 YEARS
Specializing in small business acquisition loans, expansion loans and equipment leasing, Emerson Capital provides fast approvals, competitive rates and personalized service.
Types of Services
Small Business Acquisition Financing
Start Up Business Loans
Emerson Capital provides secured equipment loans and leases for new or used equipment up to $500,000. We can finance up to 100% including soft costs such as installation, freight and delivery.
We have competitive rates; fast approvals and we are dedicated to providing exceptional personalized customer service. We offer many different financing programs to fit your needs.
Our "Application Only" program means just that! All we need is a simple one-page application for deals up to $100,000. No financials required!
Emerson Capital provides financing for Start Up Small Business loans through the SBA 7a loan program.
The term is 10 years and the rates are 2.75% over Prime.
Start Up small business loans require the borrower to invest as little as 10% of the Project Cost.
Project Cost for a start up business can include such things as:
* Leasehold Improvements
* Permits & Fees
* Working Capital
Borrowers must have good credit. Financials such as tax returns, Personal Financial Statement and Resume are required.
Real Estate Loans
Are you looking to expand your small business by acquiring a significant amount of equipment and/or commercial real estate? Emerson Capital can help you finance these costs at great rates and terms.
The required down payment for things like equipment, installation, working capital and leasehold improvements is as little as 10%. The required down payment on real estate is 10%.
Terms up to 25 years.