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Choosing the right financing can be difficult. We make it simple with quick and easy options.

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Many who are new to the world of financing are left wondering about the difference between a secured line of credit and an unsecured line of credit.

When it comes to a secured line of credit, the lender gives you the loan by holding something of value as collateral. The most common forms of collateral are a UCC filing a.k.a. an all business asset lien.

This collateral “secures” the loan, thereby reducing the risk to the lender. The lender enjoys lower risk because if the debtor were to default on the payments, then the lender has the power to “repossess” the collateral, which can then be sold to recoup some or all of the money that was given to the debtor.

Since a secured loan presents a lower risk to the lender, you may enjoy less stringent underwriting requirements. For instance, in the case of a lower credit score, a secured loan typically”makes sense”since the unsecured loan is credit score based.

On the other hand, a business loan or line of credit that provides a company with more working capital is typically unsecured. Some business owners may opt for a secured line of credit using a personal asset, such as a home, as collateral. but most financial planners advise against this because if your business runs into trouble, you would face a much higher risk of losing your home or other personal assets if you were to use these items as collateral for the secured loan or credit line.

Companies that own property, heavy equipment and other assets often use these big ticket items as collateral for a secured line of credit. In some cases, the money you’ll save on interest is well worth the hassle and risk of putting up an asset as collateral. As with every financial decision, there is no”right”or”wrong”option. It’s wise to consult with an experienced finance consultant before taking on a new line of credit.

My best to you always,

Robert Edmiston
President, Complete Commercial Finance

PS – To learn more about the types of loans we secure for our clients, visit the products page on our website.


What’s a fast cash loan? It’s a common question that we hear here at Complete Commercial Finance, so today, we’ll explore how these loans work and how they can benefit your growing business!

A fast cash loan is exactly what it sounds like: you receive a sum of money, ranging from $5,000 to $100,000 in an expedited manner. The commercial loan is then repaid over a twelve month period (or less time if you should so choose with No prepayment penalty).

Commercial fast cash loans have many of benefits, including the following:

  • no fixed repayment amount;
  • no large fees like a cash advance;
  • no application fees;
  • no pre-payment penalties;
  • no exorbitant fees;
  • and there’s no need to wait weeks for your money!

There are a few requirements for getting a fast cash loan for a business. Most lenders require you to be in business for a minimum of two years. The decision of whether to approve the loan is based on your company’s bank deposits. If you you have a thriving, profitable and stable business, based on your bank deposits, then you will be approved for a fast cash business loan. There’s minimal paperwork and no lengthy application and review process, making for an easy, simple and straightforward process.

Once approved for a fast cash commercial loan, the funds are typically deposited (wired) into your bank account and the loan repayments are automatically debited each day, allowing for an easy, automated repayment process.

So how does a small business fast cash loan compare to a merchant cash advance? Well, in the case of a merchant cash advance, you’re looking at a total repayment of around $69,000 on a $50,000 loan, over the course of approximately seven to eight months. With a fast cash loan through Complete Commercial Finance, you would repay just $57,500 on a $50,000 commercial loan, which would be repaid over the course of about 12 months.

Wondering how we can offer this more affordable interest rate? It works like this: every time you make a payment on your loan, you’re reducing the amount owed and we reduce the amount of interest owed to correspond with this new, lower balance. This allows you to save over $11,000 compared to a typical merchant cash advance loan.

At Complete Commercial Finance, we help companies with an array of different financing solutions, including small business loans in varying amounts, unsecured business loans, commercial mortgage loans and equipment loans. So if you’re seeking speedy financing for your business, we invite you to learn more about our fast cash loans for businesses!

My best to you always,

Robert Edmiston
President, Complete Commercial Finance

PS – To learn more about the types of loans we secure for our clients, visit the products page on our website.


The adage “it takesmoney to make money” is quite true for most business niches and studies have revealed that over 80 percent of small businesses must leverage some form of financing, from a small business loan, to business lines of credit and even personal credit cards. That’s according to statistics released from the U.S. Small Business Administration, better known as the SBA.

In addition, the SBA released some interesting facts and figures about small businesses (that is, companies with 100 employees or less) and mid-sized businesses (companies with 101 to 999 employees) including the following:

  • 55 percent of small businesses take out a credit line, loan or capital lease.
  • 34 percent of small businesses have a business line of credit.
  • 46 percent of small business owners use a personal credit card to help fund their company’s expenses.
  • California, Utah, Nevada, Florida and Washington rounded out the top five states with the highest rates of small business growth. California topped the list with a 4% growth rate.
  • The average small company remains in business for just over 11 years.
  • 66 percent of start-ups last two years; 49 percent make it for four years and 39 percent survive for six years or longer.
  • A total of 44 percent of small businesses use their website as their primary promotion method, with over 80 percent of those small businesses adopting a DIY approach to website development.

Notably, the nation’s more than 14 million home-based businesses and freelancers were not included in these figures.

It goes without saying that the more financial resources a company has, the greater their chances of success will be. That’s exactly where Complete Commercial Finance can help, as we offer a range of different financing solutions to help take your business venture from merely surviving to absolutely thriving!

My best to you always,

Robert Edmiston
President, Complete Commercial Finance

PS – To learn more about the types of loans we secure for our clients, visit the products page on our website.


Are you a business owner that wants to grow your business?

Owning and growing a business can be very challenging! One of the most challenging aspects of growing a business entails obtaining the equipment. As the old adage goes, “it takes money to make money” and it’s especially true for companies that require costly equipment in order to offer top quality services and/or products to their clients.

Many business owners opt to pursue equipment financing, so today, we’ll explore some of the ins and outs of equipment financing and leasing, how it works and what to look for as you seek financing to purchase the equipment you need to succeed in your industry!

The first consideration involves whether to lease or buy the equipment that your business requires. It’s also important to remember that your business is eligible for a tax deduction if you opt for equipment leasing. This is an important point to consider as you plan your finances.

The main difference between financing and leasing are the tax benefits.  If you choose to finance your equipment purchase, the interest that you pay is tax deductible. When you choose to “lease” your equipment purchase, you are able to write off 100% of the payments (check with your accountant).  At the end of the lease term you will purchase the equipment for $1.00.

When seeking an equipment financing firm, it’s important to work with a company that allows for overseas equipment purchases in the event you need to purchase from an overseas company. Most financing companies require you to purchase from specific manufacturers or in-country manufacturers only.

With regard to the interest rates and terms, they are typically the same for financing or leasing. So, it appears that leasing is the better choice however, most lenders do not offer leasing as an option.

At Complete Commercial Finance, we have strong relationships with lenders that do offer both financing and leasing options.  These lenders also allow our clients to purchase their equipment from any company, domestic or international. We also offer a range of different financing solutions.

So if you’re seeking to grow your business and need to purchase more equipment to do so, we invite you to call us today at 860-906-4848 to get started!

My best to you always,

Robert Edmiston
President, Complete Commercial Finance

PS – To learn more about the types of loans we secure for our clients, visit the products page on our website.


When it comes to small business loans, there are lots of different financing types. Micro-loans are one type of loan for small businesses, typically totaling $50,000 or less.

For many companies, it takes hundreds of thousands of dollars to get started. This is common for retail shops (which need to purchase stock), industrial businesses and other companies that need specialized equipment or advanced technology. But not every new business needs gobs of money to get started; many can start a business for a relative drop in the bucket. For these entrepreneurs, a micro-loan can be useful.

Micro-loans can be used for lots of different purposes, including working capital, furniture, computers and equipment, supplies and inventory.

Not every lender deals in business loans and not every lender who deals in business loans offers micro-loans for small business. The reason? With a relatively small loan, there’s less opportunity for profit from interest, fees and so forth. Quite simply, these smaller loans don’t “make sense” for many lenders, who instead opt for focus on larger loan amounts.

What’s more, many lenders have to factor in the cost of paying an in-house collections team. In cases where collections are handled in-house (and the debt is not sold off to a debt collection company), the cost of taking a business to collections is generally the same, regardless of loan amount. In this case, it makes sense to opt for larger loan amounts, which have more potential for profit. For smaller loan amounts risk-reward equation is a bit different; there’s too much risk and not enough reward to justify it.

Generally speaking, micro-loans cannot be used to buy real estate or to pay off existing debts.

We help companies and entrepreneurs who seeking a range of different loan amounts, including unsecured business loans. So if you’re seeking financing for your business, we invite you to learn more about our small business loan offerings!

My best to you always,

Robert Edmiston
President, Complete Commercial Finance

PS – To learn more about the types of loans we secure for our clients, visit the products page on our website.

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What Our Clients Are Saying

  • We needed to refinance our building but no banks wanted to talk to us because we are a mechanic shop and also because we had vacancies in our building. Robert found us a loan for our situation within hours from us calling him and it was a great interest rate too.

    - Alan F. Westfield, MA

  • I needed some help to make it through the winter with my marina. I found Complete Commercial on the internet and Robert was able to find me a line of credit to pay my bills and get me through the winter.

    – Bruce K. Portland, CT
    Fast Cash

  • Robert has helped us with the mortgages for two of our grocery stores. He has also gotten us an equipment loan with a great rate and no money down. When our business had a cash flow problem he helped us again with a line of credit. Robert is always there when you need him.

    -Akash P. East Hartford, CT
    Business Loans

  • I needed working capital for my company. Robert was referred to me by my accountant. In just one week I had an unsecured line of credit and I am very pleased.

    -Ed M. Middletown, CT
    Lines of Credit

  • I was opening my second gourmet coffee shop and was having difficulty finding equipment financing. Robert found me 100% financing with a very good interest rate and I was able to open my new store in time.

    -Nick D. Cheshire, CT
    Equipment Financing

  • I needed to build a new manufacturing facility. I tried several banks and was repeatedly turned down. Complete Commercial was referred to me by another lender. As soon as I called him he knew exactly what to do and came through for me just in time. Then two years later I needed to purchase a very expensive machine for our expanding production line. I called Robert again and he was able to finance 100% of my machine cost plus delivery and installation.

    - Robert R. Southington, CT

  • Floor plan financing is practically non existent for used car dealers. Robert from Complete Commercial was able to help us with even more money than we were looking for. His financing efforts have allowed my business to expand. I now have more cars on my lot and many higher end models thanks to him.

    – Ali H. Vernon, CT

  • I own an insurance company. My company wanted to purchase another insurance company but we needed funding to do it. This was quite a large purchase for us. We were having trouble with all of the banks that we spoke to. A friend referred me to Robert and his company Complete Commercial Finance. Robert did an excellent job not only finding us the loan but also an outstanding interest rate. Robert has helped us to grow our company and we will use him whenever we need any type of financing.

    – Mark C. Shelton, CT

  • I wanted to refinance my house and use the cash that I got to retire and start investing in apartment buildings. I did not really know where to start until I met Robert. Not only did he show me how to invest in commercial real estate but he also found me just about all of my properties. He also got me the best interest rates for all of my loans. Robert was instrumental in my success and I highly recommend him to anyone looking for help with real estate investing.

    - Vinny P. Hartford, CT

  • I had a balloon payment that was overdue on some land that I own. I was currently in foreclosure. Robert from Complete Commercial quickly found me a lender and saved the day! Not only that, the terms of the new loan were better than the first loan that I had.

    – Walter B. East Windsor, CT