Services

 

We Are Certified Small
Business Finance Consultants

 

 

Small Business Finance Solutions

 

 

  • Invoice Factoring and Payroll Finance
  • Inventory Finance and Revolving Lines of Credit
  • SBA Loans
  • Merchant Cash Advance

 

 

One of today’s most difficult challenges for small business entrepreneurs is accessing ready sources of non-bank financing.  Roughly 80% of small business owners in today’s America are turned down by their local community bank when applying for even small working capital financing.

At $Mass Appeal Note Capital$, we are recognized experts an financial solutions provided by our network of Alternative Commercial Finance providers.  These include specialized banks, commercial factors, purchase order finance companies, dedicated SBA Lenders, and providers of merchant cash advances.  

 

 

We Buy Mortgage Notes All 50 States

MORTGAGE NOTE CASH OUTS

We are nationwide buyers and investors in private owner carry back promissory notes secured by all types of residential and commercial properties. We can purchase your entire mortgage notes or a partial or percentage of your note. We can even buy notes with balloon payments.

Inheritance Advance

Inheritance Advance If you are an heir or beneficiary of a pending inheritance of cash, securities, or other marketable liquid assets and need FAST CASH TODAY…we can help. Our experienced contract buyers are experts in securing the ready cash you require through the mechanism of an Inheritance Advance. You can receive an Inheritance Advance of up to $250,000 regardless of your credit and usually within 7-10 days of your completed application. There are NO monthly principal or interest repayments to make while your pending inheritance is tied up in probate.

Structured Settlements Cash Outs

Structured Settlements Cash Outs Court Awarded Structured Settlements and Annuities are income streams paid by a life insurance company to compensate an injured individual as the result of a personal injury lawsuit, medical malpractice suit, wrongful death suit or any other type of liability settlement. As a result of injury or wrongful death, plaintiffs are commonly awarded very large annuity-styled settlements which pay monthly. Rather than receiving the settlement in a monthly installment, you can opt for a lump sum payout when the need requires it

Gaming Awards Cash Outs

If you are the lucky winner of a state sponsored lottery or if you have been fortunate to have won a Vegas-style casino jackpot payable in monthly installments and you would prefer a Lump Sum Cash Payment, our contract buyers can help. As the winner of a lottery or gaming jackpot you can… Receive a Lump sum of Cash for Your Gaming Annuity Sell Only a Percentage of Your Gaming Annuity Sell a Specific Number of Monthly Payments (Partial) Any Combination of the Above

Services

Pre-Settlement Legal Advance

Often, claimants in Personal Injury, Sexual Harassment, Corporate Accounting Malpractice and other law cases involving personal damages can no longer meet their monthly rent, automobile, or other critical financial obligations due to the lengthy times necessary to be granted suitable awards. In the past, such claimants have frequently needed to accept lesser settlement amounts due to pressing financial difficulties. Now, our clients can sustain their personal lives and give their legal counsel the necessary time to achieve the full value of the case with the help of a Pre-Settlement Lawsuit Advance.

Business Note Cash Outs

In addition to being nationwide purchasers of real estate mortgage notes, we are additionally buyers of Seller Financed Private Business Notes. Seller Financed Business Notes are promissory notes held by the seller of a business and payable by a new, creditworthy owner. Often, such notes are the result of one business partner buying out another. Our expert contract buyers can provide holders of Business Notes secured by the assets of a business and the personal guarantee of the owner with a Lump Sum Promissory Note Cash Out which can be used for any purpose.

Real Estate Commission Advance

The factoring of commissions due agents from sales of real estate is a relatively new area of specialization for certain factors. While it slightly breaks the standard rule of B2B for only non-consumer related transactions, it is looked upon as a valid factoring niche by the factoring industry anyway. In the real estate industry, this type of factoring transaction is referred to simply as a commission advance and has become quite common in large real estate agencies. It is very beneficial to sales people who often experience many peaks and valleys regarding income. Commission advances help to smooth out income droughts when sales are slow. Real estate agent commission advances are now one of the fastest growing segments of factoring. Agents, contact us for a commission advance.

SBA Small Business Loans

For U.S-based entrepreneurs and business owners, the U.S. Small Business Administration (SBA) represents an extremely important source of both short and long-term loans for small business owners who are, for whatever reason, unable to secure traditional bank financing. It is important to understand that the SBA is NOT a direct lender and does not actually originate loans. Instead, the SBA provides loan guarantees for designated and approved lending institutions (often community banks) who will then provide financing for small business owners with what is termed an SBA credit enhancement. Our experienced SBA loan underwriters can assist your small business in navigating the complexities involved in SBA finance.

Factoring Services Finance

Export Trade Finance

Import-Export Trade Finance is big business with the United States accounting for well over $1.65 trillion in goods and services exports in 2019. Statistically, over ninety-five percent of the world’s consumers live outside of the United States. While the opportunities available to U.S. business owners regarding exporting are clear, export trade does carry its own unique forms of additional risks when doing business cross borders which include customer credit risk, currency devaluation risk, and political risk. Since getting paid in full and on a timely basis is primary goal for exporters on each and every export sale, it is obviously that fully understanding the benefits of such things as international factoring and purchase order financing are very important and we are knowledgeable experts in these transactions. Click to Complete a Finance Company Profile

Equipment Leasing

For many business owners, leasing is a primary part of the capital budgeting process and a popular alternative to more traditional types of business financing for purchases of new equipment. Additionally, refinancing existing equipment through the process of leasing also offers a viable method for restructuring and recapitalization, allowing companies to utilize their working capital more effectively. Financially educated business owners recognize that utilizing the leasing alternative can improve their company’s balance sheet and help to preserve it’s borrowing capacity. In addition to preserving such borrowing capacity, equipment leasing often provides the additional benefit of reducing a company’s tax liability, especially if the company uses a great deal of tax depreciation.

Accounts Receivable Invoice Factoring

Accounts Receivable Invoice Factoring

Worldwide, trillions of dollars of factoring services are provided to B2B business operators each and every year. In fact, factoring has been recognized as an “essential business financial service” by the world’s central banks (such as our own Federal Reserve) and the reason is simple. There is no other method of commercial finance that can be brought to bear so quickly which helps so many types of business entities with their cash flow problems as factoring. With a factoring relationship in place, your business can have the ready cash for payroll, taxes, inventory, and more and still grant liberal terms of payment to your customers. You can explore factoring for your business with our FREE Factoring Guide available from our contact page .

Financing in Bankruptcy

Factoring is one of the few methods of financing readily available to small business owners struggling to re-establish their business through a Chapter 11 bankruptcy or reorganization. While such “restructuring” of debt is commonly provided through the asset-based lending community for larger business entities, small business operators are only served by the factoring community. Bankruptcy factoring or “DIP” financing (Debtor-In-Possession), is a unique niche area of factoring which requires a high degree of due diligence and additional legal processes not found in everyday factoring transactions. Because of these additional requirements, all factors do not provide service in this particular niche ar

Consumer Business Finance

Auto Loans (New and Used)

Comparing loan rates before you buy a new or used car puts you in a stronger negotiating position at the dealership. This is true whether you have strong credit or need a car loan for bad credit.  Our affiliated partners are a good place to start your search.

The higher your credit score, the better rate you’ll receive when shopping for an auto loan. Our clients with good credit can currently expect to receive an APR around 5.5% or even lower for used car loans and 4% or lower for new cars.

 

Mortgage Refinance

Refinancing a mortgage involves taking out a new loan, typically with better terms, in order to pay off an existing loan and, in many cases, get additional cash out due to the home’s increase in value.  Our clients typically choose to refinance their home mortgage when interest rates decrease or if they have an adjustable-rate loan that is higher than available fixed rates. If you are considering refinancing a mortgage, it is a good idea to first calculate how much it can change your payment and our mortgage refinance partners can quickly provide you with that information and then refi options.

 

Purchase Order Finance

Purchase order finance is a companion product to factoring and is commonly used to provide funding for the actual manufacturing of goods so they can be delivered against a “firm” order by a credit worthy company. Once the goods are manufactured and delivered, an invoice is generated that can then be factored with a portion of the advance from factoring being used to pay back the financing extended for the purchase order finance. Purchase order finance typically involves the posting of a letter of credit which the manufacturer can draw upon through it’s bank. Once the finished goods are delivered to the freight forwarder for shipping, the letter of credit is triggered and the funds paid to the manufacture

Inventory Finance    Enterprise

Asset-based Lending is a powerful source of commercial finance with a number of unique characteristics. It is a method of financing accounts, inventory, and equipment through a revolving line of credit. As a source of working capital, it directly meets the needs of: rapidly growing companies. undercapitalized middle stage companies. companies involved in leveraged buyouts. companies operating in financial distress. Asset-based lenders provide credit to a broad array of businesses both large and small. In most instances, asset-based lending is employed when the rapid growth of a business outpaces its capitalization.

Purchase Order Finance

Purchase order finance is a companion product to factoring and is commonly used to provide funding for the actual manufacturing of goods so they can be delivered against a “firm” order by a credit worthy company. Once the goods are manufactured and delivered, an invoice is generated that can then be factored with a portion of the advance from factoring being used to pay back the financing extended for the purchase order finance. Purchase order finance typically involves the posting of a letter of credit which the manufacturer can draw upon through it’s bank. Once the finished goods are delivered to the freight forwarder for shipping, the letter of credit is triggered and the funds paid to the manufacture

Inventory Finance

Asset-based Lending is a powerful source of commercial finance with a number of unique characteristics. It is a method of financing accounts, inventory, and equipment through a revolving line of credit. As a source of working capital, it directly meets the needs of: rapidly growing companies. undercapitalized middle stage companies. companies involved in leveraged buyouts. companies operating in financial distress. Asset-based lenders provide credit to a broad array of businesses both large and small. In most instances, asset-based lending is employed when the rapid growth of a business outpaces its capitalization.