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Do you need a flexible financing solution that can keep up with the fast-paced demands of your business?

We understand the struggles of securing financing for your business. That's why we've created a solution that's fast, affordable, and tailored to fit your unique needs.

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Customize your financing terms to match your specific needs

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Our team of experts is here to support you every step of the way. We believe that every business deserves access to the funding they need to succeed, and we're committed to making that a reality for you.

Don't let financing hold your business back. Take the first step towards success today with Wolfstone Funding!

Merchant cash advances are a type of business funding that provides cash upfront in exchange for future receivables.

Repayment is based on a percentage of daily sales, which is automatically deducted from the business's merchant account.

Approval is based on the business's sales history, rather than credit score or collateral.

The application process is quick and requires minimal documentation.

Interest rates and fees are typically higher than traditional business loans.

Merchant cash advances can be a good option for businesses that need quick access to capital and have unpredictable cash flow.

They are not regulated by the same laws as traditional loans, so businesses should be aware of potential risks and drawbacks.

Merchant cash advance providers often advertise their services as an alternative to traditional financing options.

Accounts receivable financing is a way for businesses to obtain cash by selling their outstanding invoices to a third-party lender.

The lender typically advances a percentage of the invoice amount, with the remaining balance (minus fees) paid when the invoice is collected.

This type of financing is often used by businesses with cash flow problems or those that need to fund growth opportunities.

Accounts receivable financing can be more expensive than traditional loans, with fees ranging from 1-5% of the invoice amount.

It can also impact a business's creditworthiness, as the lender may require a lien on the company's assets or a personal guarantee from the owner.

However, it can provide a quick source of cash with little paperwork required, making it a popular option for small businesses.

Accounts receivable financing can also offer flexibility, as businesses can choose which invoices to sell and when to do so.

Overall, accounts receivable financing can be a useful tool for businesses looking to manage their cash flow and fund growth, but it's important to carefully consider the costs and risks involved.

Type of financing where a borrower uses their assets as collateral

Assets can include inventory, real estate, equipment, and accounts receivable

Allows for more flexibility in borrowing than traditional loans

Lenders focus on the value of the assets, rather than creditworthiness of borrower

Interest rates and fees may be higher than traditional loans

Used by businesses to fund short-term needs or bridge funding gaps

Can also be used by individuals for personal loans

Popular in industries like real estate, construction, and manufacturing

Unsecured business loans do not require collateral from the borrower

These loans are typically based on the borrower's creditworthiness and business history

Interest rates for unsecured loans are usually higher than secured loans

Loan amounts can range from a few thousand to hundreds of thousands of dollars

Unsecured loans can be used for various business purposes, such as purchasing inventory or equipment

The application process for unsecured loans is generally faster than secured loans

Borrowers with lower credit scores may have difficulty qualifying for unsecured loans

Lenders may require a personal guarantee or a lien on business assets to mitigate risk

A type of loan where securities are used as collateral

Borrower continues to own the securities

Lender can sell the securities if the borrower defaults

Interest rates may be lower than traditional loans

Can be used for short-term or long-term financing

May have restrictions on how the securities can be used while on loan

Popular among hedge funds and high net worth individuals

Can provide liquidity without selling securities

Merchant processing involves the handling of electronic payments between merchants and customers.

It includes authorization, capture, and settlement of transactions.

Merchant processors provide payment processing services for credit and debit cards, as well as other payment methods.

They charge fees for their services, including interchange fees, transaction fees, and monthly fees.

Merchant processors must comply with industry regulations and standards, such as PCI DSS.

They also offer additional services, such as fraud prevention and chargeback management.

Merchant processing has become increasingly important as more consumers shift to online and mobile payments.

Choosing the right merchant processor can have a significant impact on a business's success and profitability.

Repossessed equipment financing is a type of financing that allows businesses to purchase used equipment that has been repossessed by lenders.

The equipment is typically sold at a discounted price and can be a more affordable option for businesses looking to purchase equipment.

Repossessed equipment financing is available through lenders who specialize in this type of financing.

Businesses may need to provide collateral or a down payment to secure the financing.

The interest rates on repossessed equipment financing may be higher than traditional equipment financing due to the higher risk involved.

The financing terms may be shorter than traditional equipment financing, typically ranging from one to five years.

Businesses should thoroughly inspect the equipment before purchasing to ensure it is in good working condition.

Repossessed equipment financing can be a good option for businesses that need equipment quickly and cannot afford to purchase new equipment.

Alternative energy financing is the practice of providing funding for renewable energy projects.

This type of financing can come from a variety of sources, including government grants, private investors, and crowdfunding campaigns.

Alternative energy financing is important because it helps to support the growth of renewable energy, which can reduce dependence on fossil fuels and mitigate the effects of climate change.

Some common types of alternative energy financing include power purchase agreements, tax credits, and green bonds.

Alternative energy financing can be used to support a range of renewable energy projects, including solar, wind, hydropower, and geothermal.

Alternative energy financing can be challenging to obtain, especially for small businesses or individuals without a proven track record in the industry.

However, there are a growing number of resources available to help connect renewable energy projects with sources of financing.

Overall, alternative energy financing is an important tool for promoting the growth of renewable energy and creating a more sustainable future.

Project financing can exceed $100 million.

It involves securing funds for large-scale projects.

Financing options include debt and equity.

Debt financing involves borrowing money.

Equity financing involves selling ownership shares.

Project financing can be complex and requires expertise.

Risk assessment and management are essential in project financing.

Successful project financing can lead to long-term exponential growth.

Easy Pay Credit Card Advances can provide quick access to cash

Advances are typically limited to a percentage of the credit limit

Interest rates and fees may be higher than other credit card transactions

Advances may not have a grace period and interest starts accruing immediately

Repayment terms may vary, but usually require higher minimum payments

Some credit cards may not offer cash advances

Advances can be obtained at ATMs or through checks provided by the credit card company

It is important to understand the terms and fees associated with credit card advances before utilizing them

SBA loans are small business loans guaranteed by the Small Business Administration.

They can be used for a variety of business purposes, including working capital, equipment purchases, and real estate.

The SBA offers several types of loans, including 7(a) loans, microloans, and CDC/504 loans.

Interest rates and terms vary depending on the type of loan and the lender.

To qualify for an SBA loan, businesses must meet certain eligibility requirements, including being a for-profit entity, operating in the U.S., and having exhausted other financing options.

The SBA does not lend directly to businesses; instead, it guarantees a portion of the loan made by an approved lender.

Additionally, the SBA offers resources and counseling to help businesses prepare for and obtain loans.

Overall, SBA loans can provide small businesses with access to funding and resources they may not have been able to obtain otherwise.

Medical practice equipment financing helps healthcare providers acquire necessary equipment.

Financing options include leasing, loans, and lines of credit.

Leasing allows for lower monthly payments and flexibility in upgrading equipment.

Loans offer ownership of equipment and potential tax benefits.

Lines of credit provide access to funds for ongoing equipment needs.

Providers should consider their budget, equipment needs, and repayment terms when choosing financing.

Financing can help practices stay competitive and provide better patient care.

Providers should work with a trusted financing partner to find the best solution for their needs.

Medical practice acquisition financing is a type of funding used to acquire medical practices.

It can be used to buy a new practice or to expand an existing one.

There are several types of financing available, including loans, lines of credit, and equipment financing.

Factors that affect the approval of financing include the creditworthiness of the buyer, the profitability of the practice, and the value of the assets being acquired.

The terms and interest rates of financing can vary widely depending on the lender and the type of financing.

It is important to shop around and compare offers from multiple lenders to find the best terms and interest rates.

Working with a healthcare financing specialist can help simplify the process and increase the chances of approval.

Medical practice acquisition financing can be a valuable tool for healthcare providers looking to grow their businesses and provide quality care to their patients.

Churches can obtain financing from banks or specialized religious lenders

Loan terms and interest rates vary based on the lender and the church's financial situation

Some lenders require collateral, such as property or assets, to secure the loan

Churches may also seek grants or donations from members and other organizations

It's important for churches to have a solid financial plan and budget in place before seeking financing

Churches should also consider the impact of debt on their overall mission and goals

Some churches choose to forego financing and instead rely solely on donations and fundraising

Proper financial management is crucial for the long-term sustainability of a church

Commercial bridge loans are short-term loans used to fund real estate projects.

They are also known as hard money loans.

Interest rates on these loans are higher than traditional loans.

The loans are secured by the property being financed.

They can be used for a variety of real estate projects, including renovations, repositioning, and acquisitions.

Commercial bridge loans are typically paid back within 6 to 12 months.

The borrower's credit score is less important than the value of the property being financed.

These loans are often used by real estate investors and developers who need quick access to capital.

Debt restructuring is a process of renegotiating the terms of existing debt agreements.

It is often used by companies who are struggling to meet their debt obligations.

Restructuring can involve extending the repayment period, reducing the interest rate, or forgiving a portion of the debt altogether.

The goal is to improve the borrower's financial situation and increase their ability to repay the debt over time.

This process may involve negotiations with lenders or creditors, as well as the involvement of financial advisors or lawyers.

Debt restructuring can have both positive and negative consequences for the borrower, depending on the specific terms of the agreement.

It is important to carefully consider the potential risks and benefits before entering into a debt restructuring agreement.

Overall, debt restructuring can be a valuable tool for companies seeking to address their debt-related challenges and improve their financial health.

Investment made in startup companies with high growth potential.

Funds are provided by venture capital firms, angel investors, and corporations.

Investors take an equity stake in the company in exchange for funding.

VC firms provide management and operational support to their portfolio companies.

Investments are typically made in early-stage companies with innovative ideas.

Risk is high, but potential returns are significant if the company succeeds.

VC firms exit their investments through IPOs, mergers and acquisitions, or secondary sales.

VC industry has grown significantly in recent years, with billions of dollars invested annually.

Franchise funding is a way for entrepreneurs to finance a franchise business.

Franchisors may offer financing options to potential franchisees.

Alternative lenders may provide franchise loans.

Franchisees may also seek funding from traditional banks.

Franchise funding can cover start-up costs, equipment, and working capital.

Franchisees may need to provide a personal guarantee or collateral to secure funding.

Franchise funding options vary by industry and franchise brand.

Entrepreneurs should research and compare financing options before committing to a franchise.

Business acquisition financing involves obtaining funds to purchase an existing business.

Merger refers to the combining of two or more companies to form a new entity.

Various financing options, including loans and equity, are available for business acquisition.

Due diligence is necessary to identify potential risks and opportunities in a merger or acquisition.

Valuation methods, such as discounted cash flow and comparable company analysis, are used to determine the worth of a business.

Legal and tax considerations, such as regulatory compliance and tax implications, must be taken into account in a merger or acquisition.

Integration planning is crucial to ensure a smooth transition and maximize the benefits of a merger or acquisition.

Professional advisors, including lawyers and financial experts, can assist in the process of financing and carrying out a merger or acquisition.

Sale and lease-back programs involve a company selling a property or asset and then leasing it back from the buyer.

The company can free up capital from the sale of the asset.

The buyer becomes the new owner of the asset and receives regular lease payments from the company.

These programs are often used for real estate, but can also apply to equipment or machinery.

The lease terms and rental payments are negotiated between the company and buyer.

Sale and lease-back programs can provide tax benefits for the company.

Companies may choose to use sale and lease-back programs for strategic reasons, such as to focus on core business operations or to reduce debt.

There are potential risks to consider, such as the possibility of losing control of the asset or facing higher rental payments in the future.

Equipment leasing is a method of obtaining equipment without purchasing it outright.

The lessee pays regular payments to the lessor for use of the equipment.

Leasing can be an attractive option for businesses that need to conserve cash or that need equipment that may become obsolete quickly.

Leasing terms can vary in length and may include options for upgrades or buyouts at the end of the lease.

The lessor may be responsible for maintenance and repairs during the lease term.

Leasing may have tax advantages, such as deducting lease payments as a business expense.

Equipment leasing can be used for a range of industries, including construction, technology, and medical equipment.

Leasing agreements are typically structured as a contract between the lessee and lessor.

Factoring: selling accounts receivable to a third-party at a discount

Purchase order financing: obtaining funds to fulfill a customer's purchase order

Factoring can provide immediate cash flow and reduce collection risks

Purchase order financing can help small businesses fulfill large orders

Factoring fees can range from 1-5% of invoice value

Purchase order financing fees can range from 1-4% of the purchase order amount

Both options may require credit checks and approval processes

Factoring and purchase order financing can be used together for comprehensive funding

Small Business Administration (SBA) 7(a) loans are a popular financing option for small businesses.

The loans are provided by banks and other lenders, but guaranteed by the SBA.

The maximum loan amount is $5 million.

Funds can be used for a variety of business purposes, including working capital, equipment purchases, and real estate.

Repayment terms can be up to 25 years, depending on the use of funds.

Interest rates are typically lower than other financing options, but may vary based on the lender.

Borrowers must have a strong credit history and demonstrate the ability to repay the loan.

Collateral may be required, depending on the loan amount and use of funds.

Owner User: borrower intends to occupy the property as their primary residence

Non-Owner Occupied: borrower intends to rent out the property

Investment: borrower intends to use the property for investment purposes (e.g. flipping, long-term rental income)

Purchase Money: loan used to purchase the property

Can be used for residential or commercial properties

Interest rates and terms may vary based on type of loan

Borrower's credit score and financial situation will impact loan approval and terms

May require a down payment and/or collateral

Refinance is the process of replacing an existing loan with a new one.

It can be done to get a better interest rate, reduce monthly payments, or shorten the loan term.

Homeowners can refinance their mortgage, while individuals can refinance personal loans and student loans.

Refinancing usually involves paying closing costs and fees.

It may require a new appraisal and credit check.

Borrowers should compare rates and terms from multiple lenders before deciding to refinance.

Refinancing can save money in the long run, but it's important to consider the upfront costs and potential risks.

Refinancing may not be possible or beneficial for everyone, depending on their financial situation and goals.

Cash out (No Cap) financing is a type of mortgage refinance loan.

It allows the borrower to take out a larger loan than the current mortgage balance.

The borrower receives the difference between the new loan amount and the existing mortgage balance in cash.

There is no cap on the amount of cash that can be received through this type of financing.

Cash out (No Cap) financing can be used for any purpose, such as home improvements, debt consolidation, or investments.

Interest rates for this type of financing are typically higher than for other types of refinancing.

Borrowers must have sufficient equity in their home to qualify for cash out (No Cap) financing.

The loan must meet certain eligibility requirements, including credit score and debt-to-income ratio.

Property Listed for Sale financing is a loan option for those who want to purchase a property that is already listed for sale.

The loan can cover up to 90% of the purchase price of the property.

The borrower must have a good credit score and a steady income to qualify for the loan.

The loan can be used for residential or commercial properties.

The loan can be secured or unsecured, depending on the lender's requirements.

The loan term can vary from a few months to several years, depending on the lender's terms.

The interest rates for Property Listed for Sale financing can be higher than traditional mortgage rates.

The loan can be a good option for those who want to purchase a property quickly and do not qualify for traditional financing.

Foreclosure/bankruptcy bailouts help struggling homeowners avoid losing their homes.

These bailouts can come from the government or private lenders.

Government bailouts may involve loan modifications or forbearance agreements.

Private lenders may offer refinancing or debt consolidation options.

Foreclosure/bankruptcy bailouts can have pros and cons for both homeowners and lenders.

Pros include avoiding foreclosure or bankruptcy and potential financial ruin.

Cons include potential long-term financial repercussions and moral hazard issues.

The effectiveness of foreclosure/bankruptcy bailouts varies depending on the individual's financial situation and the terms of the bailout.

Mezzanine debt is a type of financing that combines debt and equity

It is often used to fund expansion or acquisitions

Mezzanine debt holders rank below senior lenders but above equity holders

Interest rates on mezzanine debt are typically higher than traditional loans

Second-purchase mezzanine debt is used to fund second round acquisitions or expansion

It is riskier than traditional mezzanine debt as it is further down the capital structure

Second-purchase mezzanine debt holders may receive equity warrants as additional compensation

The use of mezzanine debt can help companies achieve their growth objectives while minimizing dilution of existing shareholders

Probate and trust financing allows heirs to access funds while the estate is settled.

The property serves as collateral for the loan, which is repaid upon the sale of the property.

Probate loans typically have higher interest rates and fees due to the higher risk involved.

Trust loans may have lower interest rates and fees, depending on the terms of the trust.

Probate and trust financing is available for residential and commercial properties.

Applicants must provide documentation of their status as an heir or trustee.

Some lenders require a minimum amount of equity in the property to qualify for financing.

Probate and trust financing can provide a source of liquidity for heirs and trustees in need of funds during the settlement process.

Mezzanine debt is a type of financing that combines debt and equity.

It is often used to fund growth, acquisitions, or recapitalizations.

Second-refinance is a way to refinance a previous loan with a new loan.

Cash-out refinancing allows borrowers to access the equity in their property.

Mezzanine debt can be used for second-refinance or cash-out refinancing.

It can be a flexible and cost-effective way to access capital.

Mezzanine lenders typically require higher returns than traditional lenders.

The borrower should have a clear plan for how they will repay the mezzanine debt.

Allows borrowers to purchase a property and finance construction costs with a single loan.

Typically requires a down payment of at least 3.5% of the total project cost.

Borrowers must provide detailed plans, specifications, and cost estimates for the construction project.

Construction funds are released in phases as the work is completed.

Interest rates for the construction portion of the loan are typically higher than for the purchase portion.

Once construction is complete, the loan converts to a permanent mortgage.

Borrowers may be required to make interest-only payments during the construction phase.

Purchase plus construction loans are offered by many banks and mortgage lenders.

Purchase plus Rehab is a loan program for homebuyers.

The program combines the purchase price and renovation costs into a single loan.

Borrowers can get loans up to 75% of the “after-repaired value” of the property.

The program is designed for properties that need repairs or renovations.

Borrowers can use the loan to make repairs, remodel, or update the property.

The program requires a down payment of at least 5% of the total loan amount.

The interest rates on these loans are generally higher than traditional mortgages.

Borrowers may need to work with approved contractors and adhere to specific guidelines during the renovation process.

Combines refinancing with cash out and construction funds

Borrower can access up to 80% of the home's value

Funds can be used for home improvements, renovations, or additions

Interest rates may be lower than other construction loans

Monthly payments may be lower due to longer repayment terms

May require a higher credit score and lower debt-to-income ratio

May require a higher down payment than traditional refinancing

May require an appraisal and inspection to determine the home's value and construction costs

Refinance Cash Out plus Rehab is a loan program designed for homeowners.

The program allows homeowners to refinance their mortgage and take out additional cash for home renovations or improvements.

The loan is based on the after-renovation value of the property.

Homeowners can borrow up to 75% of the after-renovation value of the property.

The program offers flexible terms and low interest rates.

The loan can be used for a variety of home improvements, including kitchen and bathroom remodels, room additions, and landscaping.

Borrowers must have a minimum credit score of 580 and meet other eligibility requirements.

The loan process typically takes between 30 and 45 days.