Alternative 
Lending Solutions for Businesses 

  • Equipment Financing
  • ​Government Protected Non-Bank SBA Loans
  • AR Funding
  • Small to Medium Size Business Loans
  • Business Line of Credit​
  • Collateralized  Real Estate Loans
  • Investment Real Estate Loans
  • ​MCA
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Did You Know You Can Lease or Finance ANYTHING?
Equipment Leasing
Leasing typically does not require a down payment. This is especially beneficial for those businesses with little to no available capital. If a down payment is required, it is typically relatively small compared to what a traditional loan down payment would look like.
With a lease, you can finance around 100% of the cost of the item or items plus around 20 – 25% taxes or delivery charges. You can return the item at the end of the lease or you have the option to purchase it for a small amount once the principal of the loan has been paid in full.

Equipment Loans

Each lender will have different terms, but in general, with a loan, you can finance around 80% of the total purchase price of the item. When choosing to buy your equipment and finance through a loan, you own the item from day one. A down payment of around 20% is generally required for most small business equipment loans. The collateral for the loan is the item or items you purchase with the equipment loan.
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​Equipment Leasing and Financing 
$5,000 – $500,000 loans
2 to 6-year terms
Rates as low as 6%

Section 179 of the IRS tax code
It’s an incentive created by the U.S. government to encourage businesses to buy equipment and invest in themselves. It allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. 
Lease payments appear as an expense deduction on your taxes.​
Enjoy the comfort of having money available for any business expense. Draw funds with a click of a button. Only pay for what you use.  No fees to open or maintain your line. No prepayment fees, monthly maintenance fees or account closure fees.  Your credit line replenishes as you make repayments.

SYNDICATED START-UP LINE of CREDIT
Up to $100,000
Activation Fee: 10% of loan amount received.  0% Interest for 1 Year

QUALIFICATIONS
680+ credit score
Less than 3 credit pulls in the last 6 months
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Get A Small Business
Line of Credit
Up to $250,000
Fixed Weekly or Monthly Payments
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Government Protected Non-Bank SBA Loans

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30 Year Fix Term Rates Available Starting at 6.375%

SBA Loans are considered one of the gold standards of business financing. NSS Lending partners with one of few companies in the United States that is licensed to make SBA Loans as a Non-Bank Lender.  Non-bank SBA loan solutions can offer a greater degree of discretion and flexibility to companies that do not meet the lending criteria of banks.​
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Fix & Flip Financing

Up to 80% LTC | 6 to 12 Month Terms | 8-13% Rates
​SFR , 2-4 Units, MFR
​​FIX & FLIP BASIC GUIDELINES 

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Immediate Access to Capital Tied Up in Receivables

How does factoring work ?

Most factoring transactions finance your invoices in two instalments---the first installment of 80% of your receivables is wired to your bank account as soon as you invoice your client for completed work.  The second installment covers the remaining 20% and is wired as soon as your customer pays the invoice in full, on their regular schedule. The funding fee ( 1-4% every 30 days) is often deducted from the second installment. 
Notice of Assignment and verifications
Prior to financing invoices for a specific customer, the factor must send them a Notice of Assignment. This document informs the client of the financing relationship and provides them with the new remittance address. This document is usually sent only at the beginning of the relationship.  Most invoices submitted for financing are verified prior to funding. This common process among factors ensures that clients receive the goods/services as invoiced and that they have no complaints.

What problem does factoring solve?

Most corporate sales, especially those to large customers, require that you offer payment terms typically 30, 60 to 90 days.  You can offer the terms or turn away the business. Both choices can be unacceptable if your company has limited cash reserves and cannot afford to wait up to eight weeks for payment.  Factoring improves your cash flow and provides a solid financial base for growth. Your financing line can easily grow with your revenues and can support expansion. In most instances, line increases can be approved quickly and do not require that you repeat the underwriting process.

Industries Served
Staffing agencies | Trucking companies | Freight brokers | Business services | Manufacturing | Wholesale | Technology 

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