Rent To Own

Bridge & Hard Money

These loans consist of scenarios where a commercial property owner can’t get traditional financing and they need to act fast to either acquire a commercial property, finish construction, or cash out on their commercial property assets.

A distinct advantage of this type of financing is the loan is not based on your credit but rather on your assets. We have one of the nation’s largest privately funded bridge lenders.

We are able to provide $1,000,000 to $100,000,000 bridge loans for commercial property and raw land acquisition, development, workouts, bankruptcies, and foreclosures.

These can be closed on in as few as 5 days and as few as 2 days for a commitment to fund. The lender that you will work with can do international loans as well.

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Accounts Receivable

Every business has to maintain their cash flow in order to remain profitable and healthy. Small to medium-sized (and in some cases large) businesses that make or distribute products and/or provide services to other businesses in virtually every industry can benefit tremendously from A/R Financing.

Any business-to-business company (meaning a business that sells products or services to another business) has accounts and invoices that do not get paid for 30, 60, 90, even 120 days.

This has a tremendous effect on cash flow as the business owner is waiting to get paid on goods or services that they already performed.

We offer accounts receivable financing and turn receivables into cash within 48 hours. You receive payment immediately and are, therefore, able to use the cash in ways that will strengthen your business; e.g. advertising, purchasing new equipment, bringing in additional personnel, etc.

The loan is not based on your credit but rather on the businesses you sell to.

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Asset Based Line Of Credit

In today’s lending environment, when it comes to lines of credit, there are a couple of ways a company can secure a line of credit.

One of these could be a line of credit secured by a company’s assets, such as accounts receivables and inventory. With more and more banks pulling traditional lines of credit away from companies, this is a very sufficient way to secure a line of credit again.

As long as the assets are there to secure the line, our lenders that do these often can reestablish a revolving line of credit that was taken away from a company’s bank. This form of financing is growing rapidly as traditional banks are tightening their criteria and is always cheaper than factoring.

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BIZ Acquisition Funding

Millions of businesses are bought and sold each year. About 90 percent of the time, the buyer needs to finance the purchase.

Through our programs, we can finance virtually any business purchase through our specialized lenders. We analyze your business and structure the right type of financing for you.

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BIZ & Industry Guaranteed

BIZ & Industry Guaranteed Loans

These loans are perfect for certain businesses that are rural-based. The purpose of the B&I Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities.

B&I loans are normally available in rural areas, which include all areas other than cities or towns of more than 50,000 people and the contiguous and adjacent urbanized area of such cities or towns. Funds can be used for but not limited to: business and industrial acquisitions, business conversions or modernization, purchase of equipment, or purchase or development of land.

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BIZ Term Loans

Business term loans are one of the most common ways to finance a business for a variety of capital needs. Typically terms loans are structured in 3 to 5 year payback schedules and could be used for equipment purchases, fixes assets, or working capital needs.

In recent years, it has become harder and harder for small businesses to obtain term loans because of the increased scrutiny and regulation of FDIC banks.

The small business sector is not as profitable for banks compared to middle-market banking. There have been numerous private lending companies that have stepped up to fill the void in the term loan sector with improved underwriting and the speed at which they can approve and fund transactions.

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Church Real Estate Funding

These days there are not too many lenders willing to lend to churches being that they are nonprofit organizations.

We have a niche product that serves this industry that caters to churches who wish to refinance, purchase, or construct the real estate that a church would have regardless of credit.

Terms are very aggressive with rates at 5% fixed for a term of 5 to 7 years with a 25-year amortization with the loan being non-recourse. Our unique platform for this has access to dozens of banks that lend to churches.

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Commercial Realty CMBS

In today’s commercial real estate market there are a few options to finance properties with one of them being a CMBS loan.

CMBS stands for “Commercial Mortgage Backed Securities”. It is a type of mortgage-backed security backed by commercial properties that are “securitized” into a pool, and then transferred to a trust. The trust issues a series of bonds that are sold to investors.

These loans are almost always issued by Wall Street investment banks like Goldman Sachs etc. The benefits from a borrowers perspective is a very low interest rate, non-recourse debt, with fixed term up to 10 years with 30 year amortizations.

There are only a few investment banks offering these since the crash of 2008 and we have one of the best banks around that issue these.

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Commercial Rlty Development

In today’s market, traditional banks are not willing to take on the risk typically associated with development projects, so this type of financing is in high demand.

We offer qualified developers projects funding through a private investment capital source. This program is specifically designed for domestic and international real estate development projects between $5M-$150M USD (first tranche).

For the developer, there are a variety of financing structures you can choose from to fit your needs, including interest-only periods, negotiable amortization schedules, balloon terms, and debt/equity options.

We are among the first to offer this product in the commercial finance marketplace. We have a unique financing instrument to help developers around the world.

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Commercial Real Estate Finance

The majority of business owners need to finance or refinance the real estate that their business is located in or simply need financing for an investment income generating property.

Such properties could include multifamily, retail, office, self-storage, mixed-use, hotel, motel, warehouse, mobile home parks and many more.

We are able to offer many different structures/terms and unique characteristics that many traditional banks can’t and don’t offer. We are approved to do business with offers at 130% LTV product which is very unique within the marketplace.

Our finance company will be able to offer a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties.

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Consumer Financing Program

We have the unique ability to offer literally any type of business financing programs and options for you to take advantage of.

This applies to almost any business that sells a service or item that costs $10,000 or less to consumers.

The lender that specializes in this type of financing can finance any consumer with credit scores as low as a 620.

This allows the business to ultimately sell more goods and services to customers that don’t have the cash to purchase whatever the business is selling.

Typical businesses may include but not limited to jewelry stores, tuition fees, seminars, travel agencies, tax agencies, gym memberships, furniture, security systems, weight loss programs, medical procedures, buyers clubs and many more!

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Contract Financing

This is a very flexible and one-of-a-kind financial instrument providing a number of innovative capital options for a well-established or emerging business.

This form of financing is much less expensive than equity or sub-debt and can be custom-tailored to any business that qualifies. We are able to provide contract financing for just about any contract where a component of equipment is necessary to complete the contract.

There is a provider (usually a smaller company) and an end-user (investment grade). The term of the contract can be as short as 12 months, or as long as 10 years. This effectively allows a smaller company to now have the capital to fulfill or go after larger contracts by monetizing the contract they would have with a larger or investment-grade company.

This can accelerate contract revenues, provide working capital, obtain or refinance the equipment used to fulfill the contract. At the same time, this could save money for the (end-user) or investment-grade company. This works with service agreements, warehouse agreements, distribution agreements, and federal contracts. Contracts could be existing or in the beginning stages of negotiation.

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Mergers & Acquisitions

Corporate Mergers & Acquisitions Financing

In today’s economy, mergers and acquisitions of corporations take place every day in this ever-changing marketplace. A corporate merger is basically the combination of the assets and liabilities of two firms to form a single business entity.

There is usually an exchange of stock where one firm issues new shares to the shareholders of the other firm at a certain ratio. This usually takes place between two equal companies in size, wealth and industry.

Corporate acquisition financing is where usually a larger corporation acquires a smaller corporation in the same industry. In order to facilitate these transactions, often companies need the right financing vehicle of either debt or equity in place to execute this financing successfully.

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Credit Repair

This service is a great compliment to the services we already offer as we work with a lot of borrowers who have damaged credit.

This is a success-based product where you don’t pay until the negative or derogatory item gets removed.

This is a great add on to our other products as we are already talking to you for financing.

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Distressed Note Acquisitions

These types of transactions are extremely in need and popular in the current economy that we are in. With more and more commercial properties becoming distressed and defaults on the rise, there are investors that see the value in buying up distressed notes on commercial properties for pennies on the dollar.

There is also a current trend where banks are “calling” notes to properties in their portfolio as they don’t wish to refinance the property or just simply want out of the loan to recapture their investment. In most cases, the bank is willing to “discount” the note to the current owner or investor that wishes to “take out” the bank.

Because of these factors, investors need financing for these note acquisitions plus the rehab or renovation capital to turn the property around. This is a very hot area of commercial finance right now.

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Energy & Commodity Finance

One of our lenders specializes in this arena. This is a means of financing any company that is related to oil and gas exploration, commodities such as electricity or natural gas or oil and natural gas leases.

You will be able to use assets such as contracts, leases, or the oil and gas reserves to leverage a company’s position to obtain capital.

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Equipment Leasing

Equipment leasing is the number one means of financing equipment in America today. Leasing is a $400 billion industry.

Businesses of all kinds lease equipment to conserve their available cash. When capital is conserved by leasing equipment, it can be used for other company needs (increasing inventories, expanding sales, etc.).

A lease is not a loan. Borrowing reduces lines of credit. Leasing is thus a NEW credit source, which allows the customer to increase borrowing capacity. It virtually eliminates obsolescence as the business always has the latest and greatest new equipment.

We market to end-users (buyers of equipment) and also target vendors (sellers of equipment). Many of our lenders will offer 100% financing, no down payment, and a wide range of approvals for A, B, C, and D type credits with approvals in less than 24 hours.

With some programs that our lenders offer, you can fund equipment up to $150,000 with just a one-page application with no required financials or tax returns. These are called “App Only” programs.

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Equity Financing

This form of financing can be very useful to businesses that normally would not qualify for traditional debt financing for a variety of reasons. Equity financing is simply the act of raising capital for company activities by selling common or preferred stock to individual or institutional investors.

In return for the money paid, shareholders receive ownership interests in the corporation. Businesses usually use equity financing when they are unable to raise sufficient funds through retained earnings when they have to raise additional equity to offset debt.

Some benefits to equity financing are a business does not have to worry about repayment in the traditional way. As long as the business makes a profit, the investor or lender will be repaid.

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Fix & Flip Real Estate

One of the hottest segments in real estate financing right now and happening all over the country is Fix and Flip financing for investors.

This is where a real estate investor needs money to purchase a property that can be a single-family house or 2, 3, 4 or 5 units or more apartment building and then needs to rehab it to ultimately sell it at a higher price. The capital is essentially used to acquire and then fix the property up to sell.

There are many flexible options that our lenders offer but essentially it is short term financing with up to 90% of the purchase and rehab costs and terms out to 15 months with rates starting around 6 percent.

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Franchise Financing

This is a great niche for financing with unlimited potential. There are thousands of franchises that open up each year. More importantly, the actual franchise concept and potential buyer of a franchise don’t really know many outlets to finance their store.

They may only have one or two banks that they work with and those banks have very strict, limited lending programs. A lot of banks are not comfortable with financing franchises because they don’t understand them.

We have lenders that have specific programs specially designed to finance franchises.

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Inventory Financing

Inventory financing is a bank line of credit secured by the company’s inventory. This type of financing can help to free up some of the cash businesses may have tied up in inventory or for more pressing needs.

There are numerous scenarios that would make this financing instrument a viable option for businesses. For instance, a business may enjoy a high inventory turnover rate but is short of the cash needed to replenish its supply, or a business has a warehouse of goods ready to ship but is short of cash to buy supplies for the next production cycle.

Also, inventory financing can be great for businesses that maintain high levels of inventory which ties up most of that business cash. Traditional banks do not offer this type of financing which makes us readily able to offer this creative form of financing to businesses.

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Joint Venture Capital

Joint Venture Capital is similar to a partnership where the parties that enter into a joint venture agreement share in the losses and profits of the project or venture.

It is different than a partnership in that the venture or joint venture agreement is for one specific project only.

This is very typical with private investors and clients who wish to partner up with these private investors in order to get a project financed. Sometimes it makes sense from the client’s point of view to bring on a partner who will finance their project in exchange for equity in the client’s project.

This comes in handy when the client has trouble getting conventional financing through his or her bank. Big components to the success of funding these deals are matching up the right lender or investor to the client’s project that makes sense.

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Large Project Funding

This is one type of financing that you will be able to offer both nationally and internationally.

There are millions of businesses that do not fit the traditional credit model that banks require today. Instead of using banks, these businesses must turn to private investment companies to fund their projects.

Think about it – private investors would rather invest in sound projects with fixed assets than in the stock market where their money is at a greater risk. We are able to fund large projects with these private investment companies and advisories. These companies have deep pockets to fund the right type of project.

Projects could consist of a development project, venture capital for a new idea, gas and mining exploration financing, equity financing, mezzanine financing and many more. These deals usually range from $5,000,000 to $500,000,000 or more.

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Doctors Veterinarians Dentists

Medical Loans

We provide financing to professionals such as physicians, surgeons, dentists, veterinarians, and chiropractors.

From medical practice acquisitions, partner buy-ins, equipment financing to specialized working capital loans, we provide any type of financing to any medical professional. These are some of the easiest loans to finish.

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Medical Receivables

We offer specialty financial solutions serving the healthcare industry. Medical professionals alike all have accounts receivables that are collected either 30, 60, 90, or 120 days. This customized program allows us to offer immediate cash to medical professionals and medical-oriented businesses by converting their receivables into liquid funds.

This program is an excellent solution for cash flow issues, growth capital, acquisitions, urgent financial needs, or reorganizations. Typical clients include, but are not limited to: physicians, group practices, durable medical equipment companies, skilled nursing facilities, MRI centers, surgery centers, hospitals, home infusion providers, and EMS companies.

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Merchant Cash Advance

This type of financing is very valuable for businesses that accept credit cards. We are a leading provider of working capital for businesses against their future credit card processing sales. This solution gives businesses a convenient way to obtain working capital to use however the business sees fit. Best of all, most businesses don’t even realize that this form of financing exists.

Our lender has one of the most competitive programs in the country available to you. This program offers advances of up to $200,000 and can advance up to 20% to 30% more than a business’ monthly credit card processing average. That is a huge advantage when speaking with customers. Also, there is no fixed payment schedule – The lender gets paid when the business gets paid.

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Mezzanine Financing

Mezzanine loans play a very important part in the investment real estate arena. It is typically used to facilitate the acquisition, re-positioning or development of real estate projects.

More in-depth, it could be used for owner recapitalizations and partner buyouts, tenant improvements & capital expenditure, discounted debt note acquisitions, debt pay downs to existing lenders to encourage extensions, first mortgage refinancing shortfalls or acquisitions for core, core-plus, value-added opportunities.

It is simply a hybrid of debt and equity financing that is typically used to finance the expansion of existing companies.

Mezzanine financing is basically debt capital that gives the lender the rights to convert to an ownership or equity interest in the company if the loan is not paid back in time and in full. It is generally subordinated to debt provided by senior lenders such as banks.

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Mobilization Funding

Example: A security company received an all too familiar call these days from their bank stating that they are freezing their credit line because it was the bank’s initiative that they are beginning to exit that product from their offering.

To top things off, the security company must provide security for 15 manufacturing facilities around the United States for 2 weeks prior to a strike vote by unionized workers. The cost of moving 150 security guards to 10 different locations is approximately $300,000, including airfare, rental cars, hotels and cash for food purchases while they are in the field.

The security company cannot issue an invoice until all the guards have spent 1 week providing security services at each location. Thus, a full week of salary ($300,000) together with mobilization ($300,000) is required prior to sending out an invoice.

There is no security for a lender or a factor. Our lender provided mobilization finance and advanced the $600,000 in cash required to move, feed, and pay the personnel.

The lender then purchased the invoice the day it is generated to get cash back to the security company so that it can keep cash flow momentum and expand or enter into new projects.

Total Time To Close: 7 Days

Purchase Order Financing

Purchase order financing is an excellent method for a business to obtain quick capital. It is a great solution for when cash flow reserves are low.

The problem happens with many businesses because the suppliers want you to pay upfront with a C.O.D., but a company’s customers want to pay you on net 30 or net 60-day terms.

Cash flow is a common problem for manufacturing companies, especially because while goods are in transit, invoices are not paid. Purchase order financing frees up a company’s cash for critical business expenses or to fulfill larger orders.

Another benefit is that it does not show up as debt for the owners business. This makes it possible to not only use extra cash to get discounts on purchases, but it also allows a business to get approved for more financing.

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Sale Leaseback Financing

Sale-leaseback financing is designed to unlock the equity a business has in its assets (like machinery and equipment), and convert that equity into cash. This is a very lucrative niche financing product.

Big banks and local banks don’t offer this type of financing and 95% of businesses don’t even know this type of financing can be done. Best of all, our lenders can finance good and bad credit.

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Structured Settlement & Annuity Financing

This capital solution fits well in the commercial finance business model. Millions of people across the country have annuities or structured settlements that are currently being paid to them on a monthly basis.

This could include law firm settlements, insurance settlements, cell tower leases, and even lottery winners. There can be some unforeseen events in a person’s life where they need cash immediately or simply just want their future payments to be paid all in one lump sum rather than waiting years and years to be fully paid.

We now have the ability to cash out those payments and provide cash immediately to anybody no matter what the need is or credit of the individual. This is a very lucrative industry where deals can close quickly.

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Unsecured BIZ Line Of Credit

We offer business owners unsecured lines of credit. This can be offered to both start-up and existing businesses in all 50 U.S. states.

These lines of credit can be funded in as little as 5 to 30 business days with any type of business in any industry. Funding can be secured with just a 1-page application with minimal documentation. Interest rates are as low as 6.25% and 0% interest for the first 12 months.

The key benefit to this product is the fact that it is unsecured which is a very attractive option for people just starting a business or for long-established businesses looking to expand. Our lender is currently experiencing a 90% approval rate with the applications they currently see.

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Used Aircraft Financing

We have a specialized lender that has a specific program to finance used and older air crafts consisting of planes, jets and helicopters. This is a market that is traditionally under served by banks.

Banks and bigger finance companies don’t like to finance older or used air crafts … just the newer ones. Some business owners have this need and now we are able to fulfill that need.

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Venture Capital Financing

Venture Capital (also known as VC or Venture) is a type of private equity capital typically provided for early-stage, high-potential growth companies in the interest of generating a return through an eventual realization event such as an IPO or trade sale of the company.

Venture capital investments are generally made as cash in exchange for shares in the invested company. Companies that utilize this form of financing typically don’t have strong company financials due to the early stage that they are in but have a proprietary product or idea that can make an impact in their respective market.

As one could imagine, there are a lot of businesses with a great idea, new technology, or product, but they just need an influx of capital to take their business to the next level. This form of financing is usually more expensive than traditional bank financing because of the larger risk to the investor.

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Why Us

Simple! We have multiple providers looking to match or come close to the terms you need to make your funding work.

Your creative deal may be the one that can change the industries standards.

Vision & Mission

To place homeowners, investors, wholesalers and business owners with hard money and business funding that matches their needs..

To provide funders with structured deals that enable the borrower to finance more as they build solid track records.

Our Values

We value honesty, friendships, healthy competition, and transparency.

We believe there is an abundance of resources always available and when parties sit together in earnest ,everyone wins.

About Us

ABOUT US – In 2017 our mastermind group sat down to discuss the three main reasons most business owners, seasoned and novice investors fail to make an impact with their investment goals. One of the challenges we decided to tackle head-on was the lack of true hard money lenders and creative commercial business financing in the marketplace. The results of our plans have lead you here! Over 30 products and 40+ lenders closing the deals banks reject. Welcome…Let’s FUND!

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Established 2004 BIG LLC