We’re Experts in What We Do. Most banks do not have the manpower or the expertise to process an SBA loan, and often leave the bulk of the application process on the customer’s shoulders. At One Source Business Capital, structuring and packaging SBA loans is our field of expertise, so you can leave the hard work to us. What’s more, because we work independently, there’s no conflict of interest, so you can maintain your existing banking relationships.
All Banks Have a Vested Interest in Funding Businesses Where They Operate. Many banks often can’t service the needs of small and cash-based businesses due to regulatory constraints, collateral requirements, and sometimes even a lack of know-how.
In addition, the scrutiny of federal regulators over their underwriting policies and practices requires an infrastructure that’s costly to banks, so they often tend to favor larger borrowers.
One Source is able to efficiently sort and find the appropriate guidelines with banks and non-bank lenders, making it easier and faster to get the capital small businesses need.
Banks Aren’t Equipped to Handle the Risk Small Business present. That’s why we a have an affiliation with non-bank lenders. They can offer stated income/asset loans and work with small businesses seeking loans of $250,000 to $5,000,000. Non-bank lenders are better equipped and understand small businesses and take the time to identify promising businesses that traditional banks may not even consider.
What’s more, non-bank lenders usually don’t require the financial covenants of depositary banks, so as your business grows so can your paycheck and you get to bank anywhere you choose, without restriction.
Get the Financing You Need $500k — $5 Million
Non-recourse programs available • All credit situations, including bank workouts • No income verification • No seasoning programs on investment property refinances • Creative solutions around cash flow problems • Lower DCR (debt coverage ratio) • For the same income, we can usually get more funding • Competitive interest rates • will provide funding for corporations, trusts, and LLCs • Unique and special purpose properties
* Certain rules and restrictions apply. Terms of program may change without notice.
Because of these constraints with most traditional banks, there is a void in the market for loans and credit services to small businesses. The good news is that we understand this and One Source Business Capital is here to step into this void and help small companies like yours.