ercTree® Credit Advance Funding & Small Business Loans

Approved Lenders

ercTree has identified Lenders that are capable of funding businesses with every type of loan imaginable. Just as we hold high expectations of the Approved Firms, each ercTree Approved Lender has been vetted and tested to meet the high standards and expectations in providing our customers with above average service, the best terms, and lowest fees within the small business lending.

Extensive loan programs available including Conventional Financing, SBA, USDA, Freddie Mac, Fannie Mae, FHA and Private Capital.

  • Acquisition loans up to 90% of purchase price
  • Cash out up to 75% LTV
  • Competitive rates
  • 5, 7, 10 and 30yr loans
  • Fully amortized up to 30 yrs
  • Loans for imperfect credit
  • All property types including Hospitality, Multi-Family, Office, Mixed Use, Retail, Self-Storage, Mobile Home Parks, Industrial, Restaurants, etc.
SBA LOANS

Approved Lenders have a thorough understanding of the loan programs made available to business owners through the U.S. Small Business Administration. Having experts to help our customers take advantage of these exciting loan programs.

  • No cost pre-qualification letters.
  • Approved Lenders make applying for and closing your SBA loan easy.
  • Fastest closings in the commercial lending industry.
SBA 7(A) Loan Program
  • Loan amounts from $50,000 to $7,500,000.
  • Virtually any type of property can be financed.
  • Competitive market rates.
  • Fees are generally limited to the SBA
    guaranty fee and customary closing costs.

Use of proceeds:

  • Real estate acquisition, construction, or refinance: Up to 90% financing available.
  • Business acquisition: Up to 80% financing available.
  • Equipment acquisition: Up to 100% financing available.

Terms:

  • Up to 25 years for real estate financing.
  • Up to 10 years for equipment or business acquisition financing.
  • Up to 7 years for permanent working capital.
SBA 504 Loan Program
  • Loan amounts up to $12,000,000.
  • Virtually any type of property can be financed.
  • Interest rates are always market competitive.
  • Fees are generally limited to the SBA guaranty fee and customary closing costs.

Use of proceeds:

  • Real estate acquisition, construction, or refinance: Up to 90% financing available.
  • Equipment Acquisition: Up to 80% LTV financing available.

Terms:

  • First Mortgage: Up to 25-year term for real estate loan and up to 15-year term for equipment purchase.
  • Second Mortgage: Up to 20-year term for real estate and up to 15-year term for equipment purchase.
Bridge and Hard Money Loans

A bridge loan or “Hard Money” loan is a short-term loan collateralized by commercial real estate which is used to get control of a property or when a property is in transition. Approved Lenders have experience in funding complex deal structuring to help you execute your business plans.

Use of proceeds:

  • Fast closings, typically 1-3 weeks.
  • Term: 6 months to 3 years.
  • Loan amounts: $1,000,000 to $25,000,000.

Terms:

  • Rate: 8% to 12% interest only.
  • LTV: Up to 75%.
CMBS

CMBS stands for “Commercial Mortgage-Backed Securities.” It is a type of loan 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.

Use of proceeds:

  • Competitive rates
  • Non-recourse
  • Fixed term up to 10 years
  • 30-year amortizations
  • Cash out up to 75%
  • Loan amounts from $1,000,000 to $50,000,000

Approved property types include the following:

  • Multi-family
  • Office
  • Hotel
  • Retail
  • Shopping centers
  • Self-storage
  • Manufactured housing communities
Financing For Real Estate Investors

Real estate investing is back, and we have access to loan programs to help investors buy properties at the highest LTV possible and the lowest out-of-pocket possible.

  • Fast financing for the acquisition of investment properties.
  • Blanket loans for real estate portfolios.

Purchase Loan:

  • Property types include SFR’s, 2-4 Units, Condos, Townhomes, PUD’s
  • Loan amounts $50,000+
  • LTV up to 90% of the purchase price, maximum 80% of the as-is value
  • 100% financing of rehab costs
  • 6 and12 month terms
  • Competitive rates
  • No prepayment penalty
  • Close in 10 days

Blanket Loan:

  • Cash out up to 75% of the value of the property.
  • 5, 10 or 30 year terms available.
  • 30-year amortization.
  • Competitive rates.
  • No prepayment penalty.
Equipment Financing

Our Approved Lenders have relationships to finance almost any type of business-related equipment. Borrowers can use existing equipment as collateral to get access to capital or we can arrange financing for the purchase of new or even used equipment.

  • Fast approvals, typically within 24-48 hours
  • There are programs for all credit types
  • Government and municipal leasing
  • Loan amounts from $25,000 to $3,000,000
  • 24, 36, 48, 60 and 120 month leases
  • Competitive rates

Types of equipment:

Just about any type of equipment can be used including Signage, Construction Equipment, Heavy Machinery, Tractors, Farming Equipment, Trucks, Trailers, Printing Equipment, Manufacturing Equipment, etc.

TERM Loans

These are simple interest term loans for businesses with good credit and cash flow.

  •  2, 3, 4, 5 and 10 year term 
  • Competitive Interest rates
  • Loans between $50,000 and $750,000
  • No prepayment penalties
  • Fast closings
Working Capital Loans

Working Capital Loans have historically been associated with hard money and high fees. Now lenders are offering better pricing and longer terms, making this type of financing more attractive to business owners. Funding can take place in as little as one day with a one-page application and little documentation required. We represent the nation’s top lenders and know how to negotiate the best terms for our clients.

  • Terms up to 36 months
  • Daily or weekly payment
  • Same day funding

Unsecured Lines of Credit

Unsecured Lines of Credit is an excellent way for startups and existing businesses to get access to capital.
An unsecured line of credit is a variable rate credit product for small businesses that provides access to funds when they are needed. As the outstanding balance is repaid, the amount of the available credit is replenished and made available for future use.

  • Funding in as little as 10 days.
  • Any business in any industry can qualify.
  • Simple application process.
  • Interest rates start at 0% for the first 6-12 months.
  • Variable line of credit.
  • Credit lines up to $5,000,000.
  • Provides access to capital when
    needed.
Money NOW Invoice Financing:
funding in-full (minus 5% fee)

We have lenders that will fund your invoice in full that Payer has approved, minus the 5 % fee. The lender will obtain payment from the Payor later.

Merchant Cash Advance

These loans have historically been associated with hard money and high fees. Now lenders are offering better pricing and longer terms, making this type of loan more attractive to business owners. Funding can take place in as little as one day with very little documentation required.

  • Terms up to 24 months.
  • Same day funding.
  • Loan amounts up to $1,000,000.
Accounts Receivable Financing

We have lenders that will fund your invoice in full that Payer has approved, minus the 5 % fee. The lender will obtain payment from the Payor later.

Business Term Loans

Business Term Loans come with monthly payments, and no prepayment penalty. They are designed to be as flexible as possible, so the funds can be used for almost any business purpose.

  • Loan amounts from $25,000 to $750,000.
  • Terms up to 7 years.
  • No prepayment penalty.
  • Competitive rates.

an ercTree® approved lender

1West offers financing to small and mid-size companies nationwide. Our industry experts create customized programs for every business no matter the size, type, or credit history. When you choose 1West as your partner you will enjoy zero upfront fees, approval within 24 hours, and funding within two business days.

Want the majority of your ERC Refunds NOW?

We can help you obtain up to 85% of the ERC Refunds within 5 Business Days, instead of having to wait months. On an average ERC Refund Checks take 6 months to receive from filing for them.

ercTree® has the most ERC Credit Advance Funding options available in the USA.

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