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4578 Feather River Dr.
Suite C
Stockton, CA 95219
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T: 888-590-8099

F: 818-301-5192

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A Registered Sales Office of Total Merchant Services, Inc. All rights reserved. Total Merchant Services is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA

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Elite Bankcard Solutions

EMV Deadline: Oct. 1st 2015

WIth the major chip-card deadline looming in October 1,2015 every merchant must be compliant. Those that do not meet the deadline before Oct. 1st 2015, it will in result paying any fraudulent transactions or claims that are due because of this new “Liability Shift”. ALL RETAILERS AND BUSINESSES THAT CURRENTLY USE THE CREDIT CARD AND EBT              POINT OF SALE EQUIPMENT MUST SWITCH TO EMV TECHNOLOGY IN ORDER TO ACCEPT THE EMV CARDS.

                                                           For more information call us at: 888-590-8099

Find The Right Business Loan That Meets Your Needs

Short Term Loan​s

Short-term financing can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for short-term financing, the required documentation is limited and perfect credit not needed. Nearly every industry can get short-term financing.

Benefit​s:

  • No collateral required

  • Limited documentation needed

  • Perfect credit not required

  • Nearly every industry accepted

Medium Term Loan​s

A medium-term loan is a simple interest business loan with a low rate and flexible terms ranging from one to five years, with no prepayment penalties. No collateral is required for a medium-term loan, but a personal guarantee is needed. 

 

You have a great deal of flexibility in how you use a medium-term loan. If you opt for a shorter term, it can be helpful for working capital, new inventory and general cash flow needs. If you take financing for a full term, it can be used for a wide range of growth and expansion purposes.

Benefit​s:

  • Low rates and flexible terms

  • No prepayment penalties

  • No collateral required

  • Personal guarantee required

Line of Credit

A line of credit is a flexible short-term financial tool that you can use for a variety of business needs, from working capital to purchasing inventory and more. You draw it down as needed and repay weekly.

Benefit​s:

  • Only pay interest on funds drawn

  • Credit is available when needed

  • Nearly every industry accepted

  • May require collateral

Invoice Financing

Invoice financing is based on your outstanding invoices or receivables, and the underwriting process is based on your customer, not your business. Minimal documentation is required and there are no pre-payment penalties.

Benefit​s:

  • Quick access to future receivables

  • Customer based underwriting process

  • Minimal documentation required

  • No pre-payment penalties

Equipment Financing

You need to add equipment to your business but you don’t want to tie up your capital. Equipment finance is available with little or no down payment, in both lease and loan options. The approval process is fast approval, the payment schedule is affordable and there are potential tax advantages.

Benefit​s:

  • Fast approval process

  • Potential tax advantages

  • Lease and loan options available

  • Affordable payment schedule

Commercial Real Estate

We can assist with first lien construction and bridge debt, mezzanine debt and preferred equity investments.  Our team’s focus on strong market fundamentals and quality assets paves the way for our proven track record.

Benefit​s:

  • Acquisition/Construction

  • Refinancing

  • PIP (Property Improvement Plan)

  • Borrow $1 million to $70 million from 8%

  • Loan-to-value ratio up to 75%

Bridge Loans

Bridge loans are often used for commercial real estate purchases to quickly close on a property, retrieve real estate from foreclosure, or take advantage of a short-term opportunity in order to secure long-term financing.  A bridge loan is similar to and overlaps with a hard money loan.

Benefit​s:

  • Acquisition

  • Refinance

  • Discounted Purchase Option (DPO)

  • Note Purchase

  • Quick Closing

  • Allows time to secure long-term solutions​

SBA Loans

An SBA loan is a low-interest, government-backed loan, with the longest terms and lowest rates available. Repaid monthly, it is available to businesses that have been in business for at least two years. Collateral is required for loans of more than $25,000.

Benefit​s

  • Longest terms and lowest rates available

  • Monthly repayment structure

  • Minimum 2 years in business 

  • Collateral required above $25,000

Here are just a few of the wide variety of growth possibilities our capital can be used for.

Inventory

Inventory is a must for most businesses. If you need to stock-up for an upcoming holiday or just an influx of new business, a merchant cash advance from us can help you grow the inventory you need to succeed.

Expansion

Need more space? Is your business growing so fast that you’re losing customers because you can't support the traffic? Get the capital you need to expand and grow your business to its full potential.

Payroll

A reliable source of capital can make sure your workforce is never in jeopardy, due to late invoices. Having the capital available today can fortify your business’ foundation.

For more information call: 888-590-8099

Equipment

Every business can take advantage of upgraded equipment. Apply for capital and get the funding you need to take advantage of the market opportunities that may take your business to the next level.

Repairs/Renovations

Making sure that your business is fully functional is important not only to your clients but also to your employees. Get the capital you need to make the changes you need to expand and grow.

Marketing

Did you miss an opportunity simply because you couldn't advertise? Transform your business with more capital by expanding your reach to the right audience.

Find Out More About Our

Business Loans

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