Flexible Financing for Commercial & Small Business Clients

The world of commercial lending is complex, and the commercial loan acquisition process is often time-consuming and laborious. Many commercial borrowers come to us because other lenders have turned them down. That’s because banks often take a cookie-cutter approach to lending decisions. The difference we offer is in our innovative, consultative approach to lending. Our commercial lending experts rely on years of personal and professional experience to offer our clients strategically designed lending solutions that will complement and support your business’ financial goals.

Service that’s Second to None, Start to Finish

At Villa Nova Financing Group, we take our role as your organization’s independent lending consultant very seriously. We meticulously evaluate every aspect of your business’s financial picture, then work diligently to structure and secure the most appropriate loan for your situation, along with the lowest rates and the most flexible terms. With access to over 200 lenders as well as government-backed loan programs from the Small Business Administration (SBA), we can secure funds for even the most complex and challenging situations. We work with you to ensure the loan process is as easy and painless as possible while keeping up an open and active dialogue with you every step of the way.

Here are some of our most sought after commercial and small business financing products:

  • Apartment Building Loans
  • Construction Loans
  • Refinancing/Cash Out
  • Mezzanine Loans
  • Investment/Mixed Use Property Loans
  • Commercial Debt Restructuring
  • Land Acquisition & Development
  • Commercial Bridge Loans
  • Hard Money Loans
  • Church Loans
  • SBA loans
  • Startup loans
  • Capital and equipment loans
  • Investment property loans
  • Retail loans
  • Franchise loans
  • Installment loans
  • Lines of credit
  • Business factoring
  • Purchase-order financing
  • Equipment-lease financing
  • Acquisition financing

The Tools You Need to Protect Your Investment

The overarching goal in every commercial loan we broker is to foster the growth and success of your business, regardless of its inevitable ups and downs. That’s why, throughout this process, we focus intensively on ensuring your commercial loan won’t hamper your cash flow and liquidity, granting you the freedom and peace of mind you need to run your business.

The proof of our success is in our referral business—nearly all of our new clients come to us through word of mouth. Find out why—call us today!

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Case Study

A client recently approached us with an interest in purchasing a mixed-use property for $500,000. Our client was ready to put 20% down on the loan, so it would have been a relatively straightforward loan to write. However, through our in-depth discussions with the client, we’d learned a great deal about his business goals and his personal financial affairs. It turned out that he owned a home worth $1 million, and had already paid off the mortgage. Residential mortgages generally offer better terms and lower rates, so we suggested that he do a cash-out refinancing of his home, and use the lump sum from the refi to buy the commercial property in cash. Not only does the client receive more favorable loan terms, he also avoids forking over the $100,000 down payment, which frees up that cash for renovations on the new property.

If our client had approached a traditional lender, such as a bank, it’s highly likely he would have walked out with a loan for the mixed-use building, and nothing else. That’s because most banks handle commercial and residential lending separately, and don’t often consider how one can impact the other. By strategically shifting debt, we positioned our client so that he pays considerably less interest and has more liquid funds available.