Working Capital For Your Restaurant Get a cash advance for your restaurant, bar or nightclub. Business Financial Services has provided thousands of small business owners with working capital since 2000. All retail, service and restaurant owners find themselves needing capital to grow and manage their businesses. At times, these businesses are unlikely to obtain a commercial loan from financial resources because of unacceptable debt to income ratios or low personal or business credit scores. Business Financial Services use the "real-time assets", the customers of the merchant to provide funding. Healthy businesses can rely on the fact that their customers will continue to spend money at their establishments. BFS provides an advance on those sales.   Business Loans and SBA Loan Assistance Direct lender that specializes in making long term loans for a variety of business and commercial purposes, ranging from real estate acquisition and refinance to business acquisition. This lender has originated over $4 billion in customized financing packages to thousands of companies in over 300 different industries. The loan programs are specially designed for borrowers with financing needs up to $5,000,000.     CLICK HERE TO START   California Commercial Real Estate - Commercial or Residential Real Estate (up to 75% loan to value) - Private Equity Financing from $100,000 - $10,000,000 - Short or Long Term Loans - No Prepayment Penalties - Easy Documentation - No Fico Scores or Tax Returns - Fast Answers / Fast Funding   CLICK HERE TO START    Business Loans Accounts Receivable Financing Asset Based Lending Loan Bridge Loan Business Credit Card Buying a Business Loan Equipment Financing Loan Hard Money Loan Inventory Financing Loan Factoring Invoice Line of Credit under $100K Line of Credit over $100K Retail/Merchant Cash Advance SBA Loan Term Loan Unsecured Business Loan Working Capital Loan Accounts Receivable Financing  Equipment Leasing Restaurant Office Equipment Computer Phone Equipment Printing Transportation Other Equipment Leasing  Commercial Mortgage Loans Development Land Land zoned for restaurant/commercial Renovation Construction Loan Restaurant Real Estate Hotel, Retail, Industrial, Apartment, and Office Buildings Other commercial facilities    BUSINESS LOAN DEFINITIONS Asset Based Lending Loan (Bundled AR/Inventory/Equipment) – A combination of accounts receivable AND inventory OR equipment serve as collateral for a business loan. Business Credit Card - Usually issued to corporate executives or business owners in order to more easily keep business expenses separate from personal charges.  Buying a Business Loan - a bank loan granted for the use of a business.  Hard Money Loan - Loan usually from a private lender. Actual money loaned and secured by a trust deed as opposed to a loan carried back by a seller, in which no money passes.  Invoice Factoring – Accounts receivable are sold at a discount to a factoring firm. Line of Credit – Also known as revolving line of credit. Usually only available to established companies, a lender agrees to loan a specific amount of money for a specified amount of time, usually a year and allows the borrower to borrow the money again once it has been repaid. SBA Loan – (Small Business Administration) Loan made by a local bank that is guaranteed by the U.S. Small Business Administration. If the borrower defaults on the loan, the SBA will reimburse the bank for a percentage of the loss. The borrower is typically expected to provide 20-30% of the total project cost. Secured: Accounts Receivable Financing Accounts receivable serve as collateral for a business loan. Secured: Equipment Financing Loan – Equipment serves as collateral for a business loan. Secured: Inventory Financing Loan – Inventory serves as collateral for a business loan. Term Loan – A loan which is re-paid in fixed payments, usually over a 2- to 5-year period. Can be fully amortizing or interest only with a balloon payment at the end of the term. Unsecured Business Loan - Unsecured business loan financing allows you to borrow funds for purchasing equipment, remodeling, or expanding your business premises. With an unsecured business loan, your business is not required to pledge any collateral to secure the loan. You are evaluated based on the strength of your business and your personal situation as a principal and as a guarantor.  Working Capital - Current assets minus current liabilities. Working capital measures how much in liquid assets a company has available to build its business. The number can be positive or negative, depending on how much debt the company is carrying. In general, companies that have a lot of working capital will be more successful since they can expand and improve their operations. Companies with negative working capital may lack the funds necessary for growth. also called net current assets or current capital.