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Most Clients Call Us After Their Own Bank Turns Them Down

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

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When the conventional track for securing commercial financing for you company starts looking bleak, you may need to get the extra ‘bump’ in cash-flow you need by applying for either a “soft” or “hard” money loan.

In a previous piece, we discussed how a “soft” hard money loan works and even shared a client case -study. On this piece, I’m going to speak about a second type of alternative financing known as private or “hard” money lending.

This type of financing is typically used when time is of the essence – clients usually need to secure their capital in 2 weeks or less. Some other reasons why people may need “hard” money are – bad credit, excessive deferred maintenance on the property or a high vacancy rate.

Hard money loans can also be used to “rehab” a property that will either be sold or rented with plans to refinance it later after the project is completed. “Hard” money loans are short-term for the most part, usually 12 – 24 months. These loans do have higher interest rates and fees than other loan types typically 12% or so but the payments that are made on “hard” money loans are interest only.

The fees from these loans can be rolled into the loan amount, and in most cases so can the monthly payments. This is called an interest reserve.

A Client We Worked With Who Needed A Hard Money Loan

Carmine H. was looking to secure $325,000 in capital for a project her company was working on. Her credit score was too low for a conventional loan and she needed her money fast. For these reasons, and more, Carmine was the perfect candidate for a “hard” money loan.

She ended up securing her capital at an interest rate of 12% (with interest only payments) and her money was in her hands in just 9 days.

We Help Our Clients Secure Affordable Financing Fast

Over the last fifteen years, the team at Complete Commercial Finance has become a sought after consulting firm in business finance and commercial mortgages because we continuously aim to simplify the process used when helping our clients secure the capital their business needs.

With our years of experience and strong nationwide lender relationships – there is no doubt that we can bring the financial assistance you need quickly and with the best interest rates.

If you have questions, comments , or concerns about your situation, please reach out to us in whatever way you prefer. You can fill out the form on the right of this page, call us at 860-906-4848 to schedule a comprehensive assessment of your needs, or email info@completecommercialfinance.com to speak with one of our client care representatives.

Above all, in less than 24 hours you will know if you have found affordable financing to take your business growth to the next level.

My best to you always,

robert-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

 

When the conventional track for securing commercial financing for your company starts looking bleak, you may need to get the extra ‘bump’ in cash-flow that you need by applying for a “soft” hard money loan.

A “soft” hard money loan is a certain type of financing that can be used when your total picture or profile is almost good enough to secure a conventional loan but falls just short in one or two particular areas.

If you are facing this situation, “soft” hard money alternative financing is fairly simple to secure AND may be exactly what you need to obtain the amount of money you’re looking for. However, I don’t want to delude you: although securing a “soft” hard money loan can be very beneficial, the interest rates and terms are not as good as those of a conventional loan.

The rates for a “soft” hard money loan are usually in the 6.5 – 7.5% range. And, if you need to secure a “soft” hard money loan using no income verification or no tax returns, be prepared for an interest rate somewhere in the 8 – 9% range.

A Client We Worked With Who Needed A “Soft” Hard Money Loan

Mark P. was looking to obtain $750k in capital for his company. His cash flow was below what he needed to secure the loan. So, as indicated above, Mark quickly became an ‘ideal’ candidate for a “soft” hard money loan.

We closed his loan for $750k with an interest rate of 8%.

The loan had a 30 year amortization and Mark is extremely satisfied with his results and has referred Complete Commercial Finance twice since we helped him and his company when he needed it.

We Help Our Clients Secure Affordable Financing Fast

Over the last fifteen years, the team at Complete Commercial Finance has become a sought after consulting firm in business finance and commercial mortgages because we continuously aim to simplify the process used when securing the capital their business needs.

With our years of experience and strong nationwide lender relationships – there is no doubt that we can bring the financial assistance you need quickly and always with the best interest rates.

If you have questions, comments , or concerns about your situation, please contact us in whatever way you prefer. You can fill out the form on the right side of this page, or call us at 860-906-4848 to schedule a comprehensive assessment of your needs, or email info@completecommercialfinance.com to speak with one of our commercial financing specialists.

Above all, in less than 24 hours you will know if you have found affordable financing to take your business growth to the next level.

My best to you always,

robert-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

‘Revolving credit’ is among the most popular forms of credit. A credit card with a line of credit is an example of revolving credit. A revolving credit line can be extended to an individual or a business. When used properly, revolving credit can serve as a valuable commercial lending solution which can grow your company by leaps and bounds.

Today, we’ll explore revolving credit in a commercial context.

A revolving line of credit is an option that’s offered by some commercial lenders. The commercial lender typically issues a line of credit that’s linked to the company’s account; that credit can be used to purchase supplies, equipment and other items simply by writing a check from the credit line.

Revolving credit lines can also be offered as an in-house credit line by a particular company, such as a supplier. In this case, that credit line is only ‘usable’ at that particular business.

The lender earns money by charging interest on the portion of credit that’s utilized at any given time. So while the company may have a credit line of $100,000, you don’t pay interest on that full amount (unless you’ve exhausted your entire line of credit.) You only pay interest on the amount of money that has actually been borrowed.

Some revolving credit lines are an unsecured loan in that the lender doesn’t have any collateral in the equation. For this reason, unsecured revolving credit lines are subject to slightly higher scrutiny than what you might see with a secured credit line, where the lender has access to collateral that could be reclaimed and sold if the account were to go into default.

A revolving line of credit is favorable over a commercial loan because it’s ‘reusable’ so to speak. With a commercial loan, it’s a one time deal where you receive a single lump sum with a set number of payments. Once you’ve made all of those payments, the loan is repaid and the account is closed. With a revolving line of credit, you have a commercial credit line that’s open and available to your company indefinitely (assuming you remain current with the monthly payments.) Over the years, you could theoretically borrow many times the credit limit, assuming you pay off the balance.

So while a one-time commercial loan may be a good solution to cover a one-time expense such as new equipment, a revolving credit line is a better option for commercial lending clients who need continual access to credit.

If you’d like to learn more about revolving credit lines and other commercial lending solutions, like equipment leasing and financing, unsecured loans and floor plan lending, contact Complete Commercial Finance today! Call 860-906-4848.

My best to you always,

robert-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

Are you considering purchasing or refinancing commercial property? 

At Complete Commercial Finance, we love to help business owners considering purchasing or refinancing commercial property mortgages secure the perfect financing that best fits their situation.     

Since 2000, we’ve provided financing options for businesses including offering mortgages to business owners and investors who would like to purchase or refinance in order to increase their cash flow with a better interest rate. 

Owning the building and/or other property where you operate your business from is important for many companies, especially those that require a specialized floor plan or unique structural components to accommodate their operations. Investing in a custom-tailored premises can be impractical (or even impossible) if you don’t own the property.

What’s more, owning the property where you do business delivers an unparalleled form of security, since you’re not prone to a landlord’s rules or restrictions. There are few things more frustrating for a business than being forced to move to another location because a new landlord has purchased the property and significantly raised the rent and/or the common area maintenance charges, etc. Retail stores in particular, your storefront is an essential part of your identity and your success! Remaining in one spot is extremely important; purchasing the property where you operate provides the stability you need to enjoy total peace of mind. 

Property ownership also serves as a method of re-investment, since each mortgage payment is essentially an investment into your company. 

In addition, refinancing while interest rates are currently very low can help business owners and investors alike save thousands of dollars over the life of their loan. 

But in this troubled economy, many lenders have tightened their lending criteria, making it more difficult than ever to find a mortgage loan, whether it is for a home or business. 

That’s where working with an experienced financing firm can make all the difference. Complete Commercial Finance maintains strong relationships with many lenders. These affiliations allow us to offer you a commercial mortgage, with the most competitive interest rates and terms available.

Currently we are able to offer our clients mortgage interest rates at 4.25% and in some cases even 4% is possible. These mortgages come with 20 and 25 year amortizations. 

If you’re ready for a commercial mortgage, turn to the experts at Complete Commercial Finance. We manage the entire process for you every step of the way! If you would like to know whether you qualify, simply enter your information in the accompanying form on our contact page and you’ll have an answer in just 24 hours or less.

Many clients come to us after they have been turned down by their own bank. So even if you’ve been denied, our team is quite able to assist you. Contact Complete Commercial Finance today by calling 860-906-4848.

My best to you always,

robert-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

Floor plan financing is a unique form of financing that’s best suited to dealerships, which enable the business to obtain a revolving credit line which is used to purchase goods or vehicles for resale.

Floor plan financing is most common among dealerships and companies that sell big ticket items such as:

  • cars, trucks and SUVs
  • recreational vehicles
  • excavation equipment
  • farm equipment
  • boats and small watercraft
  • modular homes and trailers
  • …and beyond.

Dealerships face some unique financing challenges due to the tremendous expense associated with the items that they sell.

A dealership that sells cars or RVs could be looking at an up-front expenditure totaling millions of dollars, just to populate the showroom floor and dealership lot with vehicles to sell.

Used car dealerships face an even greater challenge since there’s a much higher risk associated with pre-owned vehicles.

Most dealerships — especially new businesses — simply don’t have the capital to buy millions of dollars worth of vehicles and that’s exactly where floor plan financing comes in handy!

Floor plan financing entails issuing loans which are issued against a particular piece of collateral — the item that’s being sold. It’s similar to an advance in that when the vehicle sells, the lender is repaid the loan amount, plus interest.

Dealership floor plan financing enables dealers to borrow money using their stock as collateral, but it’s a revolving credit line, so as a debt is repaid, this frees up available credit that can be used to purchase a new vehicle.

At Complete Commercial Finance, we have a great floor plan alternative! With us you get an unrestrictive, revolving line of credit that will enable you to grow your dealership! Contact the friendly experts at Complete Commercial Finance today to learn more about our floor plan financing alternative by calling 860-906-4848.

My best to you always,

robert-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

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-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

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-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

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-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

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-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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

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-signature
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.

In 24 Hours Or Less,
You'll Know If You
Qualify Or Not!


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
    Mortgages

  • 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