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:

Commercial Mortgage loans are the most common form of commercial lending. They function in much the same way as a typical residential mortgage and are almost always underwritten based on the attributes of the property being mortgaged versus the credit attributes of the borrower. Most banks require that the rental payments and total profit of the property excluding the impact of mortgage payments exceed the mortgage payments be at least 20 percent, but Villa Nova Financing Group can often provide commercial mortgages with much more flexible terms to give our clients access to the capital they need.

Villa Nova Financing Group can provide secured lines of credit and commercial mortgages where other lending institutions fail to deliver. Our network of preferred lending institutions enables us to provide more flexible terms and the best rates available. And our streamlined loan process allows us to reduce paperwork and get you access to the cash you need faster and with less hassle.

A construction loan is a short-term, interest-only building loan that provides interim construction financing, which allows loan proceeds to be disbursed over time to pay homebuilders, contractors, subcontractors, suppliers or other providers of materials or services.

Construction loans have become very popular in the strong real estate market where investors may need cash to build or improve properties that are to be rented or sold later. Typically, when construction is completed the business will take out a permanent loan to pay off the construction loan.

Villa Nova Financing Group works with real estate investors and contractors to get the capital they need fast. Our network of preferred lenders can provide more flexible terms and conditions, and our streamlined process greatly simplifies the paperwork and speeds the loan process. We will also continue to work with you to secure a permanent loan for the construction if required.

Refinancing can be a way to take money out of your business without taking on a second mortgage or paying the higher interest rate on other forms of commercial financing. This may be an option for you if the property you own has increased in value or you have paid a significant amount of the principle down. Depending on when you financed your property, you may even be able to secure a better interest rate. With the cash out feature, you can refinance your mortgage for more than you currently owe then pocket the difference. Even if your new interest rate is slightly higher, if you are able to take the money you need out of your existing property, the interest rate differential may be better than other forms of loan financing.


At Villanova Financing Group we help our clients work through the various commercial loan financing options to determine one that is best for them. Our experienced loan officers will take the time to understand your unique needs and provide guidance to ensure that you make the right decision. Our network of preferred lending institutions also enables us to provide more flexible terms and the best rates available. And our streamlined loan process allows us to reduce paperwork and get you access to the cash you need faster and with less hassle.

A Mezzanine Loan is usually a relatively large loan that is typically unsecured. In a standard mezzanine loan, there is an option for the lender to purchase shares in the business and invest in its future success. Mezzanine loans are often used in financing a startup company or leveraged buy-outs, usually as part of a larger financing package.

The benefit of a mezzanine loan is that the borrower is able to postpone the full interest cost of a large loan until the due date. Effectively, the borrower of mezzanine financing is betting on substantially increasing cash flows toward the loan maturity. There are various forms of mezzanine loans, and terms and conditions can vary widely.

When considering a mezzanine loan, it is important to carefully weigh your expectations of cash flow with your ability to pay the loan. Villanova Financing Group will take the time to understand your financial situation and your investment opportunity, and compare a mezzanine loan to other forms of financing.

A mixed use property is typically a retail or apartment building in which other businesses also reside. Loans for mixed use properties are typically smaller and businesses often find it difficult to secure financing.

Villanova Financing Group works with small businesses to secure loans for mixed use property. Our network of preferred lending partners allows us to provide our clients with terms and conditions to meet their unique needs as well as provide the best rates available. Our experience loan representatives will also help you explore and compare other financing options such as cash out refinancing to help you gain quick access to cash.

It is estimated that only 20% of firms that file for Chapter 11 survive. Chapter 11 filing can also be very expensive commonly costing over $100,000. Debt restructuring offers a more cost-efficient and effective means of stabilizing a business’s cash flow. The only cost associated with a business debt restructuring is the time to apply.

Villanova Financing Group is a specialist in business debt restructuring. We help guide you through the very complex process and negotiate on your behalf with bankers, creditors, tax authorities, and suppliers to secure the best terms and conditions. We can also bring in other specialists as needed to handle legal issues and other needs as required.

Debt restructuring can be an extremely strenuous process, but Villanova Financing Group will be your partner to help successfully guide you through it.

When seeking to acquire land for commercial construction, you may face problems with trying to receive a “all-in-one” type loan. Most banks would rather see that the raw land is paid off fairly quickly or that you have substantial capital to place a large down payment. Most lenders will tell you that you need to put at least 50% down on the land acquisition deal.

Also, in particular to a planned construction project, lenders prefer to see that the sale and lease of units have occurred. When a lot of money is being loaned, the lenders want to make sure that they will receive a timely return.

That being said, you should probably check into getting a loan for the acquisition of the raw land first and pay that off quickly in the required term. With the land out of the way, you can then proceed to pre-sale or pre-lease the units, if any, in the development plans. This should raise your chances of securing a commercial construction loan to start developing on the land you purchased from the acquisition deal.

A bridge loan (or swing loan) is a type of short-term loan. Bridge loans are typically taken out for a period of 2 weeks to 3 years to finance commercial real estate purchases, to quickly close on a property, retrieve real estate from foreclosure or to take advantage of a short-term financing opportunity.

A bridge loan is ideal to supply quick cash over a short term period until which time additional financing can be secured for long-term use. Bridge loans may also be funded with hard money loans.

A hard money loan is a specific type of financing in which a borrower receives funds based on the value of a specific parcel of commercial real estate. Hard money loans are typically issued at much higher interest rates than conventional commercial or residential property loans and are almost never issued by a commercial bank or other deposit institution. Hard money lenders structure loans based on a percentage of the quick-sale value of the subject property. This is called the Loan-to-Value or LTV ratio and typically hovers between 60-70% of the value of the property.


In commercial real estate, hard money is generally the fastest way to receive a loan for owners seeking capital against the value of their holdings. While the speed of capital is a virtue, hard money loans are used only in very select circumstances since a default on the loan can result in forfeiture and immediate sale of the property.

At Villanova Financing Group, we understand the importance of working with a lending partner that will take the time to understand your financial needs, explore your options and carefully explain the terms.

Churches and places of worship face unique issues when seeking to finance since they do not operate like a for-profit business in the way they raise or spend money. At Villa Nova Financing Group, we work with a network of lending partners who specialize in underwriting loans to churches.

As a result, Villa Nova Financing Group is able to secure loans for places of worship where other lending institutions fail. Also, our network enables us to deliver more flexible terms and better rates.

The U.S. Federal Government is the nation’s largest provider of financial assistance for small businesses. Since 1953 the Federal Government’s Small Business Administration (SBA) has helped small businesses succeed, from start-up through the many stages of growth. Many big businesses whose names are now household words — FedEx, Intel, Nike, Apple, Ben & Jerry’s, Compaq and AOL, just to name a few — received money from the Federal Government along the way.

Villa Nova Financing Group provides SBA 7(a), 504, and SBA Express loans which may be used for most business purposes including start-up, expansion, equipment purchases, working capital, inventory or real-estate acquisition. The SBA can guarantee up to $750,000 of a private-sector loan.

If you are a small business seeking financial assistance, let our commercial experts secure the funding for you.

You’ve got the next great business idea or the perfect location to start your new business. Before your dreams of independence and wealth can come true, you first need capital to get your business going. Drawing capital by extending your credit card debt or drawing from personal savings is usually a poor choice. Today, there are many financing options for new businesses.

Securing startup financing helps if you have excellent credit and strong business experience, but Villa Nova Financing Group can provide multiple options for financing even if your credit is less than ideal. Villa Nova Financing Group has a network of preferred lending partners that allow us to provide more flexible terms and the best rate available. We can also extend our network of preferred partners to you for highly specialized needs such as legal, advice, technical expertise, management consulting, and more.

This consultative and comprehensive approach is what sets Villa Nova Financing Group apart, and makes it the preferred business lender for businesses. With our network of preferred lending partners, Villa Nova Financing Group can also greatly simplify and speed the lending process and find the best rates available.

According to a survey conducted by the Equipment Leasing Association, almost 40 percent of companies lease their office equipment, a third of them lease their computers and 29 percent said they lease their trucks and other vehicles. Leasing is often a better option to purchasing as it allows businesses to consistently manage expenses, better control their budgets and the budget planning process year-to-year.

Another advantage to leasing is improved cash flow. Since leasing generally requires no down payment and no collateral, a business will only pay for the assigned value of the equipment leased, not the equipment’s value over a lifetime.

Our consultants understand that real estate investors want to deal with a resource that knows more than just investment property loans, but also the goals of real estate investing. It is very important that a loan officer understands what the investor plans on doing with the property in the future in order to structure a loan properly. Having a good investment mortgage broker can save a lot of money and increase profits; the right consultant even more.

Villa Nova Financing Group can obtain funding for short-term and long-term loans, across a broad investment range, to non-owner occupied residential and commercial properties. We provide bridge loans, and finance real estate-backed lines of credit.

We work with real estate investors, commercial contractors, developers, and small business owners and in many instances, financing for new construction or remodeling can be included in the financing.

Franchising has never been more popular than it is today. It helps reduce the risk in starting a new venture by providing entrepreneurs a template for business. Franchises, however, still require startup capital and Villa Nova Financing Group can help identify the best SBA or financing program for you. Through our network of preferred lending providers, we can provide the most flexible terms and the best rates available.

Villa Nova Financing Group can extend its network of preferred partners to you for highly specialized needs such as franchise consultation, legal, technical and management consulting, and more.

This consultative and comprehensive approach is what sets Villa Nova Financing Group apart, and makes us the preferred business lender for businesses. With our network of preferred lending partners, Villa Nova Financing Group can also greatly simply and speed the lending process, and find the best rates available.

Factoring is one of the oldest forms of financing. Factoring is actually not a loan as it does not create a liability on the balance sheet. Instead, it is the sale of an asset, in this case invoices. Since factoring is not a loan, a business is not held to the same standards as required by a loan. If your business has customers and they owe you money, this is usually a good alternative to receive funds faster. Today’s factoring service providers have come a long way. They provide a range of service solutions to help your business such as custom-tailored financing, flexible credit limits, and advice on everything from global expansion to customer relations. Factoring has saved many startup companies from the brink of extinction, particularly in industries such as retail where customers are slow to pay, but suppliers demand immediate payment.

If your business is struggling with cash flow issues and you think factoring may be right for you, contact one of our experienced loan representatives for a free consultation.

Purchase order financing is ideal for companies experiencing rapid growth. Often, such companies will experience cash flow issues caused by the difference between paying suppliers and collecting payments from customers. Your customer demand may be high, but the lag time between collecting customer payment under net 30 or 60 terms, and the need to pay suppliers immediately can strangle a company’s cash reserves.

Purchase order financing resolves this situation by paying the cost of your goods directly to your supplier. This frees up cash for other critical business expenses.

At Villa Nova Financing Group, we understand the needs of fast-growing small businesses, and we can help guide you through the many different business financing options available to you.

According to a survey conducted by the Equipment Leasing Association, almost 40 percent of companies lease their office equipment, a third of them lease their computers and 29 percent said they lease their trucks and other vehicles. Leasing is often a better option to purchasing as it allows businesses to consistently manage expenses, better control their budgets and the budget planning process year-to-year.

Another advantage to leasing is improved cash flow. Since leasing generally requires no down payment and no collateral, a business will only pay for the assigned value of the equipment leased, not the equipment’s value over a lifetime.

Acquisition financing is commonly used when merging with, or acquiring another business. It can also be used by buy out existing shareholders or stock to gain greater control of a company, or by entrepreneurs seeking to purchase rather than start a business from scratch.

When purchasing a company, there can be many complexities. Villa Nova Financing Group can help provide the necessary guidance and consulting you need to successfully manage your acquisition or merger. We can also help refer to reputable resources such as M&A consultants, attorneys or independent valuators.

When businesses turn to Villa Nova Financing Group, they get more than financing; they get the benefit of an extensive network of professional resources. This consultative and comprehensive approach is what sets Villa Nova Financing Group apart, and makes it the preferred business lender for businesses. With our network of preferred lending partners, Villa Nova Financing Group can also greatly simply and speed the lending process, and find the best rates available.

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.