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Alpha Lenders Group - Commercial Business Loans

You Have Funding, Or Are Seeking Funding, But Are You Paying Too Much?

Reduce Cost of Money

Loans are valuable financial tools, but why pay more for one than you have to? Reduce your monthly loan payments and free up cash that you can put back into your business.

Whether you have one high-interest loan or several smaller loans, there are ways you can reduce what you’re paying each month. We can help you position your business so that you qualify for better rates. We’ll also help you with refinancing options, getting you out of high interest payments.

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Consolidation Loans

If you have several loan payments due each month, consider a consolidation loan.

SBA loans

The Small Business Administration’s 7(a) loan program allows you to refinance certain types of high-interest debts.

Positioning

If your business credit isn’t what you want it to be, we can help you transform it.

Credit Repair

Even the most successful businesses can end up in a financial bind.

Cost of Money eats into working capital, decreasing your flexibility and opportunities.

Reduce Cost Through…

Consolidation Loans

If you have several loan payments due each month, consider a consolidation loan. Consolidating your debt puts all of your loans with one lender so that you have one monthly payment instead of many. You’ll also have one interest rate. If you qualify, that rate could be lower than what you’re paying now.

Consolidating is especially helpful if your business is better off now than when you first took out your loans. A better credit rating and history of on-time payments could qualify you for a lower interest rate. If you’re able to make higher payments, you can pay off the loan faster and avoid having to pay interest on the unpaid principal.

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SBA Loans

The Small Business Administration’s 7(a) loan program allows you to refinance certain types of high-interest debts. The SBA will help you refinance if: the terms of your debt are unreasonable, the original purpose of the loan would have qualified for SBA loans, and that you’ll benefit significantly from refinancing.

SBA refinancing can be difficult to qualify for. To be eligible, you must have a credit score of at least 690, no bankruptcies for three years, no federal loans, a clean criminal record, and a 10% down payment. You can refinance other SBA loans, credit card debt, a line of credit, or a commercial mortgage.

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Positioning Your Business for the Best Rates

If your business credit isn’t what you want it to be, we can help you transform it. Working with lenders daily makes us intimately familiar with what lenders look for. Take advantage of this knowledge to position your business for the best rates.

We’ll help you find ways to pay down existing debt, reduce your monthly payments, convert short-term financing to long-term, and replace high-interest loans. Enhancing your overall credit score will make you eligible for the best rates on the market. So the next time your business needs to finance the next big project, you can get more for less.

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Credit Repair Activities

Even the most successful businesses can end up in a financial bind. Poor credit history makes it hard to borrow, buy, and qualify for low-interest rates. It can seem like a curse. However, with a few simple steps and guidance, it’s possible to completely transform your credit. Increase your credit score and open up more financing options by letting us help you repair your credit.

We’ll assist you to identify trouble areas, find points of opportunity, and learn time-saving techniques that can get you back on track fast. Once you’re where you want to be, we’ll help make sure you stay there.

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Advantages

Reducing your cost of money opens the door to business growth. Yes, the funds helped you take a leap forward, but these are just some of the benefits of reducing loan costs:

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Increase your working capital.

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Clean up your credit history.

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Become eligible for great rates.

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Act quickly when opportunities emerge.

Why wait?

Reduce Your Cost of Money

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Consolidate

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Of Current Debt

As Low As

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Interest Rates

As Low As

FICO Score

Reduce Cost of Money

Begin by filling out a short questionnaire. Your answers help us get an idea of who you are and where you want to go.

Here’s how to get started:

Begin by filling out a short questionnaire. Your answers help us get an idea of who you are and where you want to go. Then, speak to one of our professional brokers. We’ll get deeper into the details of your financial needs. Once we understand what you’re looking for, we’ll hunt for the best offers to fit your situation. Finally, we’ll bring you options and help you with an application.

Strained resources

Expand your working capital to better manage daily expenses with working capital loans, hard money loans, factoring, and equipment sale-leaseback.

Rental Revenue

Add to your asset portfolio by acquiring, renovating, flipping, or refinancing real estate. Leverage existing property to secure funding for other areas of your business.

Leasing issues

Break away from landlord restrictions, rent increases, and tenant improvement battles by owning your own operating space.

High-cost markets

When it costs more to buy, build instead. Get a land acquisition development loan, construction loan, temp-to-perm loan, or owner-occupied loan.
Open up space in your business budget.

Stop paying ridiculously high-interest rates on loans and lines of credit. We can reduce your monthly overhead so you can move your business out of debt quicker. Discover financial solutions that improve your credit, increase your borrowing power, and make you more attractive to lenders.

F.A.Q.'s

Get solutions tailored to fit your investment property needs.

How does consolidation reduce my debt?
If you have multiple loans with different interest rates, consolidating them will give you one interest rate. This rate is typically the average of the interest rates you’re paying now. That means some of your loans will have reduced interest.
Is consolidation different from refinancing?
Yes. Although both consolidation and refinancing can lower your interest rates, refinancing is simply replacing one loan with another. Consolidation typically combines several loans into one.
Does debt consolidation hurt your credit score?
Consolidation can temporarily lower your score. That’s because the new lender will perform a hard inquiry to look at your current score. It also changes your average account age and adds a new credit account. These are normally just temporary, and your score will increase shortly after.
Can I combine all my debt into one payment?
The answer to this depends on what types of debt you have. Some loans let you combine several credit cards, but not combine credit cards with real estate loans, for example.