SHIELDS LOAN CONSULTING CONNECTING SERVICES TO

Exceeding Your Expectations

UNSECURED LINE OF CREDIT, SECURED LINE OF CREDIT, WORKING CAPITAL AND FLEX PAY

Funding Range: from $5,000 to $5,000,000

• Collateral is not required on amounts up to $750,000 (Unsecured)

Terms from 12 to 36 months

• Approvals in 24 to 48 hours
• Fundings in as little as 3 days
• Streamlined process and limited paperwork
• Repayment is not tied to credit card transactions
• The interest is tax deductible

Early pay-off options are available

• Fico Score 550 and up 

*Flex Pay allows your clients to defer
up to 50% of their loan principal into the future, resulting in the lowest payments now!

MERCHANT CASH ADVANCE (MCA)

Merchant cash advances from $2,000 to $1 million

  • Negative Days- No more than 7

  • Overdrafts- No more than 7

  • FICO Rating- 600 and up

  • Industry- No auto sales, attorneys, financial firms auto sales

  • Avg monthly Revenue- 7k +

  • Positions- No more than 5

  • Default History- only closed/settled

  • Bankruptcies- Yes

  • TIB (Time in Business)- 3 months

ACCOUNTS RECEIVABLES FINANCING

Funding Range: Case by Case Basis

  • Typical Advance Rates of 75% – 90% of Eligible Accounts Receivable

  • Advance Rate Determined by Dilution (100% – (2x Dilution %+ 5%))

  • Dilution = (Invoices Generated – Cash Actually Collected) / Gross Sales Typical Components of Dilution: – Bad Debt Write-Offs – Returns – Discounts – Allowances.

ASSET-BASED LENDING FACILITIES FINANCING

Funding Range: $250,000 to $7.5 Million

  • Facility Size up to $7.5 MM, recognizing that if Shields Loan Consulting is presented with the appropriate situation, we can connect you to fund lines larger than $7.5 MM

  • Loans can be underwritten with less than 1.0x coverage if adequate liquidity exists [at Close and During First 12 months]

EQUIPMENT LEASING

Funding range: $5,000 to $20 million (larger amounts possible)

  • 100% financing for equipment, training, maintenance, installation, software and qualified soft costs

  • Ability to bundle multiple equipment types from different manufacturers into one fixed lease payment

  • Leasing programs: Fair Market Value (FMV), $1 Buyout, lease lines

  • 24 / 7 secure asset management portal 

  1. Most types of equipment including: IT/ Technology/ Servers /Hardware  

  2. Security / Life Safety Systems  Healthcare / Medical Equipment 

  3.  Construction Equipment Telecommunications Systems

  4.  Office Furniture

  5. Most commercial equipment types

 

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