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Products that suit your needs.
SBA a7 & 504
The Small Business Administration (SBA) offers 7a and 504 loans with flexible terms and competitive rates. Amerge Capital Solutions helps businesses find the best SBA loan solutions to foster growth and success.
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SBA 7a loans range from $150K to $5M with interest rates of WSJ Prime + 2.00-3.00%, terms between 10 to 25 years, and up to 200% Loan-to-Value (LTV).
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SBA 504 loans provide up to $15M with up to 95% LTV, traditional terms up to 25 years, and equipment loan terms up to 10 years.
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At Amerge, we ensure effective loan process navigation and secure the most competitive rates by connecting businesses with the right lenders.
Account Receivable (AR) Factoring
Accounts receivable factoring offers a quick way for businesses to access working capital by selling their unpaid invoices. This dynamic solution drives sustainable success, supports strategic investments, and boosts cash flow, providing the flexibility needed for business expansion, marketing, hiring, and launching new products or services.
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Immediate access to capital by selling unpaid invoices allows for seamless operations and timely growth opportunities.
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Factoring provides the flexibility to make strategic business decisions, enhancing competitiveness.
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Up to a 90% advance rate on invoices fuels cash flow and propels long-term business growth.
Asset Based Lending
Asset-based lending empowers businesses by leveraging the intrinsic value of their assets. By using assets as collateral, businesses secure essential funding, optimize capital, and increase financial adaptability.
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Asset-based lending increases borrowing capacity by allowing businesses to utilize the value of their assets, including accounts receivable, inventory, and equipment.
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It facilitates quick access to capital, enabling businesses to meet urgent needs or seize growth opportunities.
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Through this flexible financing strategy, businesses can turn their assets into cash, optimizing working capital utilization and maintaining financial stability even during challenging times.
Equipment Financing
Equipment financing is a strategic solution allowing businesses to acquire or upgrade their equipment without a significant initial outlay. It safeguards working capital, improves cash flow, and offers access to modern technology, all while maintaining credit lines and operational efficiency.
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Equipment financing helps preserve working capital and improve cash flow management, allowing businesses to invest their resources in other growth areas.
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This financing solution provides access to up-to-date technology and facilitates equipment upgrades, enhancing operational efficiency and competitiveness.
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Additional benefits include tax advantages and preservation of credit lines, supporting efficient financial resource management and long-term growth.
Pre-funding of Employment Retention Credit
Access your Employee Retention Credit (ERC) quicker with upfront funding options offered by lenders. Bypass the prolonged IRS processing period by utilizing a portion of your approved ERC as a loan or line of credit, providing immediate financial support and promoting business growth.
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Advanced ERC funding enables businesses to avoid the lengthy IRS processing times of 8-12 months and immediately use funds for various expenses.
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This funding method requires no upfront fees, can accommodate credits already under IRS process, and can be delivered in as few as 4 days.
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With competitive rates starting at 10% of the credit or funded amount, businesses can secure a minimum funding amount of $300,000 based on the approved ERC credit application and relevant documents.
Commercial Real Estate Financing
Financing commercial real estate purchases is a strategic move that allows businesses to optimize capital, seize market opportunities, enhance asset value, maintain financial flexibility, and gain potential tax benefits. This approach facilitates the acquisition of properties aligning with growth objectives and contributes to long-term success.
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Commercial real estate financing allows businesses to efficiently leverage their capital, preserving resources for strategic initiatives like operations expansion, innovation investment, and growth opportunities.
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It empowers businesses to take advantage of favorable market conditions and investment opportunities, enabling strategic expansion, diversification, and new market entry.
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This financing strategy also unlocks potential for asset appreciation and wealth creation, contributes to the company's overall net worth, and provides greater financial flexibility and liquidity.
Bridge Loans
A bridge loan is a temporary financing solution that serves to "bridge the gap" between two different financial events. It is a short-term loan commonly used in real estate, business acquisitions, or other situations where immediate funding is required before a more permanent financing option can be obtained. Bridge loans provide quick access to capital, enabling borrowers to cover immediate financial needs while awaiting a more stable funding source, such as long-term financing or the sale of an asset.​
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They ensure business continuity by allowing operations and strategic transitions to proceed without delay during crucial periods.
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Though they often carry higher interest rates due to their short-term nature, bridge loans are instrumental when a well-structured repayment plan is in place, and a strategy for securing long-term financing is forthcoming.