Fast Funding 
    Equipment Sale-Lease-Back Funding.
Asset-Based-Loans   Funding Nationwide (Since 1992)                  
 
Loans  for:  Business,  Medical,  Real Estate, Project-Funding, and Leasing.

We are Specialist in Equipment Re-Financing / Sale Leasebacks, Equipment
Leasing, Providing Working Capital, for Businesses and or Personal Use.

Option "A" Equipment Refinancing. Funding $10,000 to $300,000  NO Doc's! 
in most cases. Approval 3-7 banking days. Scroll down  to  see an Overview below

Option "B"  Program. Funding $50,000 to $50 million. Equipment Sale Leaseback,
using Auction Values. Click on the Tab, top left.  OR  scroll down for more information

Option "C" Tangible Assets Loans $75,000 (minimum loan) to $20 million. Structured
as an Equipment Lease that can be Secured by a variety of Collateral: equipment, 
real estate, accounts receivable, and or inventory. 
Loans made against Tangible Assets, NOT Credit..... 
YES.... Our Investors are funding Construction, Grading, and Related Industries. 
Requires borrower to submit a full financial package, including the last 2 years Tax Returns.
Click on "Option "C" Asset Loan Tab, top left, for the application and other forms. 

Other  Loan  Options: Business and Medical / Doctors Loans. Line of Credit,
Working Capital, Asset Based Funding. Commercial Real Estate Project Funding,
Click on the Tabs, Top left

Scroll  Down  to the  Overview of  the  Options, and for a Short Inquiry form

Option "A" Overview Equipment Refinancing. Funding $10,000 to $300,000   
No Documents (No Tax-Returns or Financials), in most cases.  
Approval 3-9 days Only a One Page Application required
No (Doc's) documentation, or tax returns

No application, or processing fees

Requires a minimum Credit-Score of 630 - 340, (Medical Apps. may be less)

Cash flow is not an issue, stated income

Sales tax is paid monthly, not all at once  
Equipment appraisal, none required, our Vendors performs the valuation

Proprietorships are OK; any business organization structure is acceptable

Equipment pricing, is today's approximate market value No invoices required
Equipment stays put where it is, no interruption in the use of your equipment

LTV, Loan/Lease To Value, is approximately 75% - 78% of the vendor’s valuation 
Terms are 36, 48, or 60 months; generally the Buy-Back is only $1.00 at end of lease

Business is to be owned 1 year, if credit is very good, 18 months some cases, or TIB of 2 years min.

Restaurants/food stores to be owned a minimum of two years, and applicants credit score of 650 or higher
No open tax liens, or bankruptcy within five years, or longer in some cases

Funding 3-5 days after approval, receipt of lease documents, and site inspection if any.
Use the money for business or personal reasons 

How it works:
The applicants equipment is acquired by our Vendor with a bill-of-sale, and then the applicant leases it back.
The applicant is paid cash/yield for their equipment by our Vendor. The transaction is structured as an
equipment lease, to $50,000 +/-, with some applicants approved to $75,000+/- per lease, or more. Multiple
subsequent consecutive leases may be available if the transaction qualifies. It depends on the strength
and weakness of the applicant, company, and the amount of equipment. No Start-up business.
 

The approval process is quick, and less demanding than most other similar options. If a company needs
more cash flow Option “A” is a quick solution to get Working Capital in a short time especially, if a 
company hasn't bankable P&L numbers, or they are in a hurry and need cash....

SAMPLE  OF  FUNDED  TRANSACTIONS  for OPTION "A" :

Recently funded: machine shop, auto repair, chiropractor, ceramic business, dentist, publishing company, bowling lane equipment, medical practice, publishing businesses others.....  
Recently, a manufacturer of tools and dies that also provides power mental components received close to $200,000 working capital in a little over thirty days. Recently, an east coast Ford New Car Automotive Dealership found themselves in need of cash quickly, an amount of over $300,000, cash yields to the owner of the Dealership were between $49,000 to $90,000 which totaled to over $350,925 and funded in a short period of time, without having to provide business or personal tax returns, or financials, and did not have to provide cash flow schedules. Recently a corporation in CA that was not bankable… was looking for working capital and our equipment  refinancing / sale-leaseback program got the client over $225,000 in a short time frame. Recently, a Chrysler Jeep New Car Automobile Dealership required over one hundred thousand quickly and our equipment refinancing program got him over $130,000 in 13 business days. Recently, an ISP (internet service provider) was looking for $300,000; the deal was structured and funded in a short time frame. Recently an AAMCO  Transmission Franchise was funded and received $35,000 in about one week, about a year later they came  back requesting additional expansion capital money, which was provided.  We have had many, many other transactions in the past years....Since 1992.

The following equipment new or used may be considered:

Most all equipment may be used: medical equipment, chiropractor equipment, CNC machines, printing, dry cleaning, laundry, machine, metal shops, plant, manufacturing equipment, HVAC equipment, automotive repair,  backhoes, forklifts, compressors, alarms, fitness, all  "IT" equipment; desktop computers, notebooks, network computer systems /  servers, switches routers, office automation, software, printers, scanners, copiers,  monitors, telecommunications, phone systems, point of sale, cubicle stations, hardware, diagnostic machines,  video, audio, security, alarm systems, manufacture plant, and shop equipment, surveillance  systems, smog diagnostic machines, commercial signs, most signage, and related equipment, rehabilitation and health, landscaping, construction, restaurant, fast food, cafe equipment, excavation, industrial,  tractors,  construction equipment, printing equipment, dental equipment, presses, most all equipment can be used for our refinancing program.

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Unsolicited  Recent  Option "A" Comments for your Review:

Hello Patricia,
"We have a working capital account with (deleted) company which is not secured by equipment. We previously dealt with a broker who contacted (deleted) company on our behalf, but we found this broker had an "F" rating from the Greater Los Angeles BBB, so we ceased contact with them. One of the reasons we contacted your company is that you have no BBB complaints and an "A" rating. Thank you for your continued effort". 
L. Van Hagen
___________________________________________________________________________________

"Thanks Carl,
Allbex did this leaseback when we were turned down first at a few other places for ‘too low loan amount’ ‘too big equipment’ etc…It was handled very professionally and both the client and myself are happy!  I will be using Allbex again. Your procedures ultimately made me understand how the leaseback works, the tax advantages, the two or three types of
programs and the time line".
Thank You,
A. James
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Option “B” Overview of the Sale Leaseback Program $50,000  to $10 Million
Hard Assets/Heavy Equipment Sale-Leaseback, Loans:

Credit Scores of applicant: ideal credit scores should be about 660, the lowest about 600 or above. The acceptability of a low score will be influenced by the time the applicant has owned their business, the financial strength of the applicant, the equipment, and the amount of approved equipment involved. Owners of desirable heavy equipment collateral, may permit the applicant to have a lower personal credit score, and their credit score may not be as critical in the decision to approve the applicant. However, the overall financial strength of the applicant is an important ingredient.

Bankruptcy and Liens: may be acceptable after three years, if there have been no credit derogatory since that incident, and financial status is strong and with acceptable equipment.

Applicant is to have owned: their business one year or longer, in some cases twelve, or eighteen months, or more. Less than two years requires appropriate equipment and strong financials. It may be possible to cross- collateralize the equipment for the lessee, to help secure the transaction. No start-up business.

Equipment collateral: the minimum acceptable dollar amount of an individual piece of equipment, that is submitted as collateral must have an original purchase price of a minimum of $10,000.00 for traditional equipment, and for heavy equipment the minimum is $15,000.00

No appraisal cost: provided the Auction Value can be determined off the Internet.

No upfront fees or costs: as long as the Auction Value can be determined off the Internet.
   
Equipment Leases: typically 50% to 70% of the auction value, which is determined by the investors.

Interest Rates: typically will be about 15% +/-, depending on credit strength and type of equipment.

Lease Terms: are 48 months and 60 months. Transactions over $500,000 are 72 months and 84 months. 

 
Equipment: most all (Non-Hazardous/Occupation) equipment is acceptable, (No Home Based Businesses). The acceptability of approved equipment will be influenced by time in business and the overall financial strength of the applicant. The equipment must have a VIN# or a serial number. Hard assets/heavy equipment refinancing does much better in today market. This program is asset-based and strong financials are not always n necessary when the equipment is hard assets/heavy equipment. 
 
To request information on our Option "B" Program and to receive an application, please scroll down to complete a short inquiry e-mail below.
You will be e-mailed the information and the application within a few hours of our receipt of your inquiry.

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Option "C" Overview of our Tangible Asset Loan Program Loans:  $75,000 to $25 million.

Tangible Assets Loans  Structured as an Equipment
Lease that can be Secured by a variety of Collateral: equipment, real estate, accounts receivable, and or inventory.
Loans made on Tangible Assets, NOT Credit.....What is important to us is Collateral: not  Credit Scores, not the
Time you have Owned your business, not  Debt Ratios, not  the Use of Funds.... use the funds for Business, or for
Personal reason Transactions can be structured as equipment sale lease backs on equipment owned and secure
the transaction with real estate, or buy equipment the borrower/lessee wants that no one else, no other lender will
approve.  Asset loan/leases can be secured by a variety of collateral: equipment, real estate, accounts receivable, 
and/or inventory.

Loans-Leases are made on Tangible Assets

* Approval of your Loan is  NOT contingent on:
* Owners personal Credit Scores
* The time you have Owned your Business
* Debt Ratios
* Use the Funds use the funds for Business, or for Personal reasons 
* What is important to investors is Tangible Collateral
* Transactions are structured from $75,000 to $500,000 However, 
   these deals must be secured with additional real estate assets. 
* Transactions structured from $500,000 to $25,000,000 may be secured
   by an assortment of collateral: equipment, real estate, accounts receivable, and inventory.  

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Affiliates:
If you are interested in representing our Funding Programs, 
send us a request for the Affiliate Registration Form. 
Send Inquiry to: allbexfinancial@sbcglobal.net  Attn: New Business Manager,
Or use one of the  Inquiry  forms above to request a Registration Form, 
include your full Contact information, and your website address. 

Equipment Lease Back Funding (Since 1992)
Newport Beach, CA 92663
Fax: 415-946-3307 (Internet Fax)
E-mail: allbexfinancial@sbcglobal.net 

(C) Copyright 1992 - 2011 All Rights Reserved
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