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Medical HealthCare Financing Programs
Available Nationwide,
in the contiguous USA. (Since 1992)
Funding $25,000 to $10M
Funds
Available for:
Expansion
of facilities
Acquisition of a Practice
Purchase of Real Estate
Facilities Reconstruction Loans
Restructuring of Debt
Equipment Leasing
Loans to Buy IN/Out Partner (s)
Leasehold Improvements
Working Capital
Factoring of Receivables
Medical Imagining
Assisted Living Facilities
Nursing Homes
Medical or Business Funding Projects
AR Cash Advance
Merchant Credit Card Sales Advance
DEBT
CONSOLIDATION LOAN (Typical Terms):
A 10 year +/- loan with a
rate in the 5.5% - 7% range +/-. The Loan can
be prepaid
without penalty from the second year onwards.
Based
on a Loan amount
of $700,000 on a 10 year term @ 5.75% the
monthly payment would be $7,683.00 (some restrictions may apply)
RECENTLY:
A a dentist with poor credit that was Over Extended on
his credit, and had a
high debt ratio, needed to have a loan consolation
to pay off; the
BHG Medical Lender, a bank loan, and other loans...
including back taxes, was
offered a loan that included net Working
Capital... with Terms as
Follows: A $225,000 Loan, 7 year term, with a
rate of 5.75% (Prime +
2.50) (this applicant
was turned down
prior to coming
to our associates
for a loan).
RECENTLY:
Loan Amount:$2.0 Million
Loan Purpose: Refinance Business
Debt
Rate:
Prime Rate + 2.5%
Repayment:
10 Year Term & Amortization
Collateral:
FIRST lien on all practice assets
of the above referenced borrowers
Payments:
$21,458.34 on
a loan amount of $2.0 Million @ 5.25% for 120 Months
Guarantors:
Rob and Bob (names omitted)
Borrower
is responsible for all lender's expenses including, but not limited to,
appraisal, surveys, title, etc
Line
of Credit / Working Capital:
Whether you need working capital to pay taxes and high cost of
medical insurance, we offer very attractive and competitive terms
to help raise the funds. Use these
funds to expand, hire additional
people, and pay taxes, payoff student loans or any other
business
purpose. Don't let a lack of funding hurt your chances to grow your
medical practice. The medical working capital loan does not appear
on your credit report, so you keep your personal and business credit
separate and don't lower your credit scores with additional debt. If
your application is approved, which takes about 36-72 hours, you
will be sent a Letter Of Interest, which would verify the terms and
conditions of your Loan, or your Line of Credit Approval. Terms are
up to 84 months. Funding within 5 Days of Receipt of Signed
Documents. Special Programs are available for Medical
Professionals with Damaged Credit.
Credit
Card Merchant Advance Program:
You can get up to $200,000 (+/-) in working capital based on how much
you process each month in credit card sales. The Approval
Process is
much easier than a traditional bank loan, as we provide funds typically
within 7-14 business days. We offer advanced capital in exchange for
the right to purchase your future credit card
receivables, usually up to
100% of your monthly credit card sales. The percentage is based on
how much you want to be advanced compared to your monthly sales.
Our goal is to help you grow your business and to not interrupt, or hurt
your overall cash flow. There is no fixed payback schedule only a
percentage of your future credit card sales until your account is paid
current. If your sales slow down, your payback slows down
proportionally. We have helped many business owners with poor credit,
which makes us an alternate source of financing verses a traditional bank.
_______________________________________________________________
CASH FLOW LENDING, SHORT TERM LOANS
Working Capital / Medical
Cash Advance Plan (MCAP)
MCAP
is not a loan. It is an up-front lump sum cash payment.
Our Medical Cash Advance Plan is a new financial product being offered that
effectively replaces Medical Accounts Receivable financing. MCAP is a
specialized
funding program for the healthcare industry that will provide an immediate
source for
Working Capital funding. MCAP is an easier, less expensive and more flexible
form
of financing.
Benefits
/ Highlights of MCAP:
- No
PG’s or liability
- No
collateral required
- Not
based on credit scores
- Won’t
appear on personal credit
- No
late fees
- No
maturity date
- No
checks to write
- No
fixed payment schedule
- No
final payment deadlines
- Won’t
affect ability to secure traditional financing
- The
advance does not show up as a loan on your credit
- No
UCC filings or liens on practice
- No
appraisals, hidden fees or costs
- Funds
can be used for any purpose necessary
- Quicker
to fund than traditional financing
- Clients
receive 100% of the funds they qualify for
- 100%
of funds will be ACH into account at time of funding
- Receive
the funds within 5 to 7 business days
We
are able to leverage all of the electronic receivables to obtain financing,
and are freed from the burden of collateralizing specific invoices, which are
usually backed by personal guarantees to satisfy the financing needs of the
operating of the business.
MCAP
is an advance based on any electronic means by which money is
deposited into the banking account (s) for the practice each month.
Credit cards, insurance 3rd party payments, patient financing,
scanned
checks and ACH direct deposits can all be considered.
Advances
can be structured for time approximately 6-12 months. Advances
used to acquire equipment and or make capital improvements into the practice
have stronger approval ratings and generally more favorable rates.
MCAP offers quick liquidity an immediate, low personal risk source of financing
which is hard to find in today’s economy. So, if your practice could use
additional
Working Capital, complete the following Inquiry Form to start the immediate
processing for cash advance
- $25,000 - Optical Lab in Arizona
- $30,000 - Chiropractor in New Jersey
- $45,000 - Pharmacy in Alabama
- $55,000 - Dentist in California
- $60,000 - General Practitioner in California
- $70,000 - Dental office in Vermont
- $75,000 - Dentist in Florida
- $100,000 - Veterinarian - Utah
- $100,000 - Vascular Surgeon in Georgia
Overview of benefits and requirements for MCAP Program:
- Application only
- No Site Inspection Required
- No Appraisals Required
- Equipment does not have to
be free & clear but it may not be
encumbered by an equipment specific clause in the UCC filing - Software and Computer
Equipment may also be considered.
- Approval in approximately
3-4 business days
- Funding in approximately 5-7 business days
- Transaction sizes $10K - $100K
- 12 Months in business required
- No Open or Recent
Bankruptcies, Foreclosures, or any other
Major Derogatory Items, such as Tax Liens, etc…
____________________________________________________________________________
Accounts
Payable Factoring:
Medical
business
or medical
Insufficient
cash flow is the primary reason why 85% of all businesses
fail within the first 5 years. Most customers don't pay on delivery.
Instead, they take their time paying invoices - and use your money as
their working capital. The end result is your unpaid receivables pile up
and up and your working capital is exhausted.
Accounts Receivables Factoring is an asset based financing method
enabling companies to use their commercial accounts receivable to
generate immediate cash flow. In a
factoring program, a company sells
its accounts receivable to a factor to secure immediate capital that will
allow the company to expand operations, meet payroll, add inventory
and meet other operational obligations in a timely manner. This in turn
helps the company in acquiring new equipment, hiring essential
employees, and marketing your business more effectively
and profitable.
Eligible Medical Healthcare Professional and Businesses
:
Anesthesiologists ,Board Certified Interns Cardiologists, Cardiovascular
Surgeons,
Chiropractors, Dentists, Dermatologists, Gastroenterologists, General
Practitioners,
General Surgeons, All MD’s, Maxillofacialists, Nephrologists, Neurosurgeons,
OB/GYN’s , Oncologists, Ophthalmologists, Oral Surgeons, Orthodontists,
Orthopedic Surgeons, Osteopaths, Pathologists, Pediatricians, Periodontists,
Physical Therapists, Plastic Surgeons, Proctologists, Psychiatrists,
Radiologists,
Urologists, Veterinarians, Monographers, Chiropractors, Physicians Assistants
HealthCare
Professionals, Medical Industry Practice Owners, Business Owners
Tell us what type of
financing you are looking for....
and we will deliver the product.
Scroll
down to the short Inquiry form
__________________________________________
An
Option to the forgoing Medical Programs... is our Quick
Equipment
Re-Financing / Sale- Leaseback Option "A"
Program:
Working Capital Loan
$25,000 - $350,000
Applicants Credit Score
should be 635 +
Only a One Page Application....
NO other
papers or documents required in most all cases
We are
Specialists in
Equipment
Sale Lease-Back
funding,
which provides you with
Working Capital…. that you may spend
on your Business/Practice
or for any purpose.
Funding $10,000 - $350,000 in about 4
days after receipt/approval of your application
- Only
a One Page Application required
- No application cost
or processing fees
- No documentation or tax returns
- Cash flow is not an issue, stated income OK
- Proprietorships are OK, any business organization structure is OK
- Equipment pricing, is today's approximate market value, no invoices
required
- Equipment appraisal, none required, our Vendors perform the valuation
- Equipment stays put where
it is, no interruption in the use of your equipment
- LTV, Loan/Lease To Value, is about 75% - 78% of our
vendor’s valuation
- Terms: 36, 48, or 60 months; the Buy-Back is generally $1.00
end of lease
- Funding
3-5 days after
approval, receipt of lease documents, site inspection if any
How it works: The
applicant’s equipment is acquired by our Vendor with a bill-of-sale,
the applicant then leases it back.
The applicant is paid cash/yield for their equipment by
our Vendor. The transaction
is structured as an equipment lease, to $50,000.00 +/- with
some applicants approved to $75,000 +/- per lease. Multiple
subsequent consecutive
leases may be available to most all
applicants, up to $350,000.00 if qualified.
Tell
us what type of financing you are looking for.... and we will deliver the
product.
Medical Financing Request:
Inquiry FORM
Cell number:
Type of practice / business?
How long have you owned your practice / business?
* How would the applicant/borrower rate his/her credit: Excellent, Good, Fair, Poor
What type of financing are you interested in:
Loan request amount, (approximately)
Project Funding:
Comments / Questions:
PRIVACY STATEMENTS: Allbex Financial does not rent or sell the personal or company information that you provide. To better protect your privacy we provide this notice. To make it easy to find, we make it available on our homepage and at every point where information may be requested. Allbex does not share this information with outside parties except to the extent necessary to complete your request for more information about financial products you may be interested in. DISCLAIMERS /DISCLOSURE: Allbex Financial does not offer or give advice on any business or personal tax, or legal questions, or issues. Allbex does not engage in business consultancy. If an applicant has questions on any tax or financial matters, the applicant is strongly encouraged to consult with their\ CPA, or tax attorney. Allbex Financial reserves the right to modify or delete any financial product offering at anytime without notice. Nothing herein or in the information above shall be construed as advice. Allbex Financial only accepts applications from businesses, and does not accept any inquires or applications from any consumer individuals. Should an applicant have other questions or concerns about privacy, disclaimers, or disclosures policies, please contact us at: allbexfinancial@sbcglobal.net or fax at: 415-946-3307. Past performance does not guarantee future results. Thank You! The application and information will be e-mailed to you within a few hours of our receipt.
Equipment
Lease Back Funding (Since 1992)
Newport Beach, CA 92663
Fax: 415-946-3307 (Internet Fax)
E-mail:
allbexfinancial@sbcglobal.net
(C) Copyright 1992 - 20
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