NTIB Finance & Consulting
How We Can Help
BUSINESS LENDING
Trying to find the right bank or any bank these days to write your commercial mortgage is trying at best. We have relationships with banks and private lenders including hedge funds that WANT to lend money on good deals. Our lenders want to know that there is a good piece of collateral and a reasonable expectation of a positive cash flow and a decent person minding the operation. If that is you we can help. You have a story, we want to hear it. We have done deals with tax liens, bankruptcies, divorce issues - both personally and business partners and various other issues. We have sources that can understand and work out individual solutions. Most of the time are rates are near bank rates and we will do deals that they will not. Call and tell us your story and why your deal makes sense - we will listen.
• Account Receivable Loans
Need immediate cash, can’t wait until your client pays – We work with almost all industries to advance you the cash from your invoices now so you don’t have to wait to get paid. We work with several different companies to tailor the right program for your needs. Advance only some of your invoices or all of them, we will find the most cost effective solution for you. We now have a program that can drive the cost to below 2% and you don't have to notify your clients!
• Unsecured Business Credit Lines
Have good to excellent credit (over 700 score) (the guarantor can be any investors, partners or family members) and a business bank account - it can be a new business or a company you have had for years - then we can most often get you $25,000 to over $100,000 in as little as 2 weeks. The loans are underwritten with the guarantors personal credit but all loans are only made to the business and do NOT show up on any personal credit reports. This is critical, as loan made personally impact your credit score and make it more difficult to borrow for personal uses. Our program strictly lends to businesses and thus will not be detrimental to your personal score. We can underwrite the program in just a day or so and let you know how much we will be able to raise. The funds are generally available in under two weeks. There is NO upfront fees (are fees can be paid out from the lines of credit we get for you) and you only need to run a complete credit report, that includes all three bureaus, to apply.
• Purchase Order Financing
Need financing to pay your manufacturer or importer for a sold order? We can arrange financing to advance the funds necessary to get the manufacture or importer to finish the order and ship the product to you. This can be arranged in conjunction with an account receivable loan as well. We can work with both domestic and foreign manufacturers, importers, and wholesalers.
• Merchant Cash Advance
A cash advance on future credit card receipts. Funds to buy additional inventory, new equipment or upgrade your store. Quick cash, almost all are approved.
• Asset Based Lending & Equipment Finance
Loans for new equipment, or use the value of your current equipment or inventory or other assets as collateral for loans to expand your business. We can design loans for those with good credit as well as those with not so good credit as the basis of the loan is the hard asset which you already own.
• Commodities Finance
We have lenders that will lend against commodities that you own that are readily available for sale. These are asset based loans based on the value of the saleable commodity and not based personal or business credit.
• Retail – Point of Sale Systems MX Point of Sale is leading the way into the next generation of commerce. You’ll have more control than ever over your customer’s buying experience. MX Point of Sale provides a customer database, integrated with inventory, that lets you keep track of customer preferences, send out coupons and other targeted promotions. Hand-held terminals let you process a sale wherever your customers are with no lines or waiting. You get all of this with very low upfront costs and no need for your own servers or database consultants or worries of data security as we provide all of that for you for under $50 per month. Click the image for more details.
• Basic Bank Card Processing Service
Enabling any size business to accept a variety of payment types at reduced costs. It works with a variety of terminals and standard point of sale systems. We include a wide range of available reports allowing you view your information in any number of formats and puts actionable data at your fingertips.
BUSINESS and INSURANCE CONSULTING
• Business Consulting – Operations & Finance Management
Need help examining your workflows to find more efficiencies, reviewing your finance and accounting procedures, searching for new technologies and processes that can cut your costs and drive increased sales, want to use more cloud services (including our POS) but need a more reliable business level internet provider, or just need staff or management that can jump in when you need additional hands – We can provide solutions and assistance. We also have the expertise to assist in setting up offsite employees (domestic outsourcing if you will) that can give you a much larger employee pool to choose from and in often lower costs. Having worked with companies in diverse industries with the breadth of understanding and knowledge to find the right solutions for your company.
• Insurance Consulting
With over 30 years of experience in assisting clients in almost every industry, I have the expertise and business understanding to help you choose the right insurance program to meet your budget and risk level. We review your current insurance program and make suggestions to improve coverage and reduce costs, find ways to transfer risk to others, and can develop a RFP to allow you to properly market your company to the carriers to make sure you are getting the best price, coverage and services you need.
