We Are A Syndication LenderWith access to Hedge Funds, Financial Institutions in the UK, Spain, Mónaco & Australia. We have over 250 Lender partnerships throughout the USA. Any type of business is lendable for us. Commercial, Residential, mixed-use property loans with a 75% LTV, fix & flippers are welcome with 90% loaned, 100% rehab amount given. Ground-up Construction loans are available, from 100k-25mm, in monthly draws. SBA Government backed loans, business loans, term loans, lines of credit, receivable factoring, debt consolidation even a short-term/long-term merchant cash advance. Two hour turn-around timeframe to get you back a contract or term sheet. A FICO score helps your rate/term however we fund from a 490+ FICO score: This is all asset based.
At Gómez Capital Fundingwe will always get you the Funding you need, either for your business, from your property or for a new acquisition
Residential/Commercial/Mixed-Use/Raw Land property refinance loan
Take for example your property is valued at $1,000,000, we will give you $750,000 or 75% Loan to Value [LTV]. There are terms from 6 months to 30 years. Rates start at 6% annually, monthly payment. If you are behind on your mortgage, Lis Pendens for example we will do a “bailout loan”. Minimum loan amount is from $50,000, to a maximum of $25,000,000. ALL TYPES OF PROPERTIES. We can be a 1st or a 2nd position lienholder if you don’t want to eliminate your cheap 1st position interest rate.
Fix & Flip
This works for the purchase of a single family home to a five family home in all 50 states. The Loan ranges from $30,000-$1,000,000. We can make an exception for a higher loan amount if your argument justifies along with the comparables we do in the surrounding area. 90% of the loan amount is given, 100% of the rehab amount with proof of the work done of course, invoices would be fine. If you have done three or more fix & flips within the last five years you will be given access to a $3,000,000 open trade line for purchases. This works in the following fashion: You may purchase one, two, three + homes at any timeframe, you need to be able to manage the monthly mortgage payment, that’s it. You may mix & match in different states. One to two year terms, FICO is not a problem. Rates start from 7-9% annually, monthly payment. Once we close we will give you the option to refi into a cheaper rate, longer term.
Mixed-Use/Commercial/Residential property purchase
Loan amount is from $50,000-$5,000,000, 75% of the purchase price is covered , you bring 25% to closing, valid in all 50 states. Two to five year terms, FICO is not a problem. Rates start from 7-11% annually, monthly payment. Once we close you will be given the option to refi into a cheaper rate, longer term.
Revenue Based Finance
This is similar to a Business Cash Advance, which is not a loan but the purchase of future receivables. You receive a lump sum of cash in exchange for giving back a % of your credit card daily or weekly sales. You pay back via automated electronic debits [ACH debit pulls].
Asset Based Lending
This works off of your existing inventory, accounts receivable or other balance sheet assets. A Collateralized loan explains this option best. You might know this as an asset-based financing, or a typical commercial financing. Lines of credit are available as well as a basic business loan.
Merchant Cash Advance
You sell future receivables in order to receive an ach or wire, the Underwriting process takes 2 hours, we can do same-day funding. From $5,000-$1,000,000. The term is between 3 months to 24 months.
If it takes for you to get paid 5 days to 30 days this works for you. You submit an invoice, we call up the company to confirm monies due & within 24-48 hours you receive 90% of the invoice amount. Amount per funded invoice ranges from $500-$2,000,000.
You receive a lumpsum cash amount in exchange for your companies future receivables. All major healthcare providers are accepted. Very flexible rates & terms.
If for example you have 3 positions, we add up all your daily/weekly pulls & give you about 40% more on top of the cash flow that exits your account during that weekly timeframe. This is strictly for unsecured debt you have taken on. There is a great chance of your monthly payment being lower. This is a huge help to bump-up your weekly cashflow.
We purchase the equipment, all types. You pay monthly, the term ranges from 3 months to 10 years. Financing is available for existing equipment, the loan amounts range from $1,000-$3,000,000.
We offer twelve merchant processing providers, we explain all the fees upfront to see if switching over works for you. This type of loan would be a % of what you bring in, not a set daily/weekly amount taken out: Better known as a credit card split or a “lockbox”.
Would you like to speak to our director of funding over the phone? Just submit your details and we’ll be in touch shortly. You may also email us if you would prefer.