Business Loans

We offer Commercial and Business Financial products. Speak with one of our team members today to identify which commercial or business loans would be best to suit your needs or goals.

Business loans are made by four major types of lenders banks, finance companies, commercial real estate lenders, and private individuals.  Hopefully this article will help you take your type of business loan request to the right type of business loan lender.

First of all, what are business loans anyway?  

Does the term business loan mean the same thing as commercial loan?  

The answer is yes.

The word commercial simply means business. Business loans are loans that help you make money in some form of occupation. The opposite of a business loan is a loan for personal, family or other purposes, like a loan to add a roof to your family home, take family on vacation or to purchase a vehicle for your kids.

No DOC Financing

The no doc loan stated income was created to cater to the self employed or any other individual that either writes off all or most of their income on their taxes or needs to state their income to qualify for higher loan amounts.Loan is based off your gross income not your income after business tax write-offs. Gross income is used to qualify you up to 5x the amount of a normal loan. 620 minimum to qualify.

The self employed, 1099 contractors or cash only paid businesses qualify for higher dollar amounts to use to run their business or to pay off current high interest rate loans or lines. If you are self employed or have been turned down by banks since your income after expenses didn’t qualify for financing NO DOC/Stated solution is for you! You will not have to prove Taxes, W-2’S, Pay stubs, Bark Statements or sign a IRS 4506T form.

Lines Of Credit

Unsecured business loans are an option to all clients if they have been in business for 10 days or for the full 2 years. We cater to clientele that could not be helped by normal banks or funding institutions.  If you have ever been turned down by a bank we probably have a solution for you.

We are not a factoring companyOur loans are paid once a month not daily.  Our interest rates are fixed without a prepayment penalty.  All industries are allowed.  Our unsecured business loans range from $5,000 up to $500,000.

Unsecured Business Financing

Unsecured business financing are an option to all clients if they have been in business for 1 day or for the full 2 years. We cater to clientele that could not be helped by normal banks or funding institutions.  If you have ever been turned down by a bank we probably have a solution for you.

We are not a factoring companyOur loans are paid once a month not daily.  Our interest rates are fixed without a prepayment penalty.  Many industries are allowed.  Our unsecured business financing range from $5,000 up to $1,000,000.

SBA Small Business Loan

The Small Business Administration (SBA) has several loan programs. Choosing the wrong one could mean losing out on important benefits. In this article, we’ll cover the 6 types of SBA loans in detail and show you what you need to know to pick the best SBA loan for your small business. Ask one of our funding specialists today to see if SBA is right for you.

Business Credit Cards

The #1 type of unsecured business line of credit is the business credit card. This is because non-traditional lines of credit have many more advantages over the traditional lines of credit issued by banks. You can also get multiple lines this way to give you more flexibility depending on your use of the capital

Revenue Based Financing

Revenue-based financing is a type of funding in which a company agrees to share a percentage of future revenue with an investor in exchange for capital up front. The loan payments are tied to monthly revenue, going up for strong-revenue months and down for low-revenue months. We understand that monthly cash flows can fluctuate, which is why we have payments that scale up or down with your net revenue. You’ll never have to write a hefty check during a down month, like you would with a bank loan.

Equipment & Vendor Financing

Divergent Capital realizes that many equipment vendors have the same dilemma, so we created a solution our Vendor Advantage Program financing for your customers’ equipment needs. Divergent Capital offers an equipment lease or purchase program to fit most any customers’ needs and prospects. Business, automotive, or even construction,

Start UP Business Loans

One of the biggest challenges you’ll face as a new startup is getting enough capital to get your business off the ground. Finding small business startup loans can often be a confusing and frustrating experience.

Thankfully, there are a lot of startup loan options that can fit your individual startup situation perfectly. Finding the right kind of business loan and finding the right lender with the best interest rate, that’s the hard part.

Business Tradelines

Business tradelines are different than personal tradelines, but you’re probably interested in them for the same reason. You need better credit for business funding. So, this program is to assist you in getting business tradelines and help you stay focused on your goals (rather than be sidetracked into tricky terms). Talk to our credit professional today about setting up and boosting your business credit profile today.

Vehicle & Utility Vehicle Financing

Your business needs dependable transportation to get your product to customers, to develop new business, or complete the job. When it’s time to replace or expand your business vehicles, we can structure a vehicle financing solution to keep your business rolling along. In over several countries world wide we truly cover all aspects of your business, let us bring you back the joy to your work.

Merchant Cash Advance

A merchant cash advance allows a business owner who accepts payments or has receivable streams to obtain an advance of the funds regularly flowing through the business’ merchant account. A merchant cash advance (MCA) is not a loan, but rather an advance based upon the future revenues of a business. A small business can apply for an MCA and have an advance deposited into its account fairly quickly. Our diversity will surely boost your productivity and quality to be sure we find the right product for you.

Purchase Order & Trade Financing

Purchase order finance is a specialized product to finance purchasing transactions under a sales contract or purchase order that you might have that are beyond your capabilities. We offer UP to 100% financing available for qualified transactions No collateral required Flexibility of use. All types of trade finance products available

Business Term Loans

Expand your business or consolidate debt with our Business Term Loans. Our term loans can cover your long-term financing needs, preserving your own funds. Your Relationship Manager can help determine the right term loan for you. Available 24/7, just a phone call away and with amazing response and delivery time you just cannot go wrong with our services.

Receivable Lending

Known as a ledgered line of credit or invoice financing, is a solution for businesses needing more funding not available from traditional lenders. Companies need more cash flow to support seasonal demands, growth, business opportunities,business growth, restructure, capitalize on supplier discounts, hire additional employees, payroll or solve a cash shortage. Receivable financing option can allow you to access cash without having to give up equity in your company.

Business Micro Loans

A microloan is a short-term loan (from six months to five years) for amounts up to $50,000. They’re offered by community development lenders that focus on helping entrepreneurs and small businesses grow. This product is available to startup companies.

Get one of our packages

Finance Basic

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Finance Plus

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Finance Gold

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Finance Platinium

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Meet our clients

At Divergent Capital our clients range from startups to companies that have been in business for over 50 years. Also all of our clients needs vary depending on their corporate structure and all of their needs being factored in. We make sure that our clients get the help they need when they need it. Also we take the thinking out of the equation for our clients to make sure they have everything they need and that they have everything they need but also done properly.

Commercial Real Estate Loans: Borrower is trying to purchase a commercial building, build one, rehab your existing commercial building, pay off a balloon payment, or pull some cash out of your existing commercial building?  We can help contact us to determine the best scenario for your deal.

Small Business Loans (no real estate involved):  Are you trying to start a new business, purchase an existing business, or expand your own business?  

If there is no commercial real estate involved, you should apply to your local bank for an SBA loan.  Banks make the vast majority of all small SBA loans. If you are purchasing a business, you might also ask the seller to allow you to pay for the business in monthly payments over five years, along with 8% interest.  A large amount businesses are purchased using seller carried financing.

Accounts Receivable Financing:  Do you provide a service or manufacture a product with payment due sixty days later?… Then this may be a product for you.

If you get in a cash flow bind, it might be possible to take your accounts receivable to the bank and pledge them as collateral for a loan.

Equipment Financing:  Let’s imagine you want to purchase a new injection plastic molding machine for your small manufacturing company. The cheapest way to purchase is not with a lease but rather by making an outright purchase using an equipment loan from the bank. Your local bank usually has the cheapest rate on an equipment loan.

Inventory Financing:  Suppose you manufacture rowboats for fisherman, and you have worked all year to produce your current inventory of boats for the upcoming season.  Suddenly you learn that one of your competitors just went bankrupt. You can purchase $2 million in aluminum panels from the bankruptcy estate for just $75,000  but, darn, you just don’t have the money. You may be able to go down to your local bank and pledge your current inventory of completed boats in return for a $75,000 inventory loan.

Lines of Credit:  Suppose your cash flow is seasonal. You sell hundreds of ski boats in the winter and spring, but come the fall, you have very little income coming in the door. You should apply to your local bank for a line of credit that you pay off in the spring and draw down on in the fall. Once again, your local bank is the best bet for most types of business loans.

Leasing:  Leasing is not quite the same thing as renting because most leases have a very small buyout of the product at the end of the lease. You might lease a $20,000 machine over three years, and at the end of the lease, you can purchase this $20,000 machine for $250. Be careful!  Leasing is a ripoff. If you figure out the interest rate that the leasing company is charging you, you’ll find it’s close to 30%!  If you just cannot afford a large down payment and you cannot qualify for an equipment loan from the bank, you may have no other choice but to lease.  Small finance companies provide most leases for new businesses.  Just look up “Equipment Leasing” using divergentcapitalnow.com for a list of potential leasing companies.

Factoring:  When you sell your accounts receivable at a large discount, it’s called factoring.  Prepare to take a painful haircut.  Just look up “Factoring” using divergentcapitalnow.com for a list of potential factoring companies.

Project Funding:  We offer all types of project funding submit your project today to see how we can help you with your current or future projects.

Small Business Loans (With Real Estate Included): We have a variety of small business loans please let us help you with all your business loans needs your company may have.