Business Lending

Mortgage & Insurance Services

Init Capital Funding is now proud to announce our new financing program for lenders.

Financing up to $30 Million Revolving lines of credit for commercial & consumer finance companies.

The last decade has brought tremendous change in the world of specialty finance. The uncertain economy, interrupted by the credit crisis, regulatory response, followed by unprecedented technological progress has created both challenges and opportunities. As the banks have failed to effectively serve finance companies, Init Capital Funding steps in to help fill the gap. When your lending business needs flexible capital to grow, who best understands what it takes to lend more effectively than the banks?

The answer: Init Capital Funding. We approach lender financing with unique expertise developed over nearly five years. We have unparalleled insight into the value of your most important asset – your loan portfolio.

Lender Financing Solutions, get started today

If you're looking for lender financing, we're here to help. At our company, we offer a variety of financing options to meet your needs, and our experienced loan officers are ready to assist you with the corporate application process. To get started, you can reach out to us today.

Our friendly team will be happy to answer any questions you may have and guide you through the process of obtaining the financing you need to achieve your goals. Whether you're looking to sure up your liquidity, or expand your loan book and portfolio, we can help you find the lender financing solution that's right for you.

1. Book -- Reach out to book your free assessment with Init Capital Funding.

2. Free Assessment -- We will work with you to find a financing product that meets your business needs and goals.

3. Invest & Grow -- Build your business to new heights knowing you have the financing required to operate in your industry.

What is a Business Line of Credit?

A business line of credit is like having a safety net for your business finances. It's a flexible form of financing that allows you to borrow money as needed, up to a certain limit. With a line of credit, you only pay interest on the amount you borrow, so you can conserve your working capital and have the peace of mind of knowing that you have funds available when you need them. A business line of credit can help your business in a number of ways, by providing the necessary capital to fuel growth, make investments, and meet operational needs.

Expansion: Financing can help businesses expand their operations by funding new locations, hiring more staff, and investing in marketing and advertising. This can help businesses reach new customers and increase revenue.
Investment: Financing can help businesses invest in new equipment, technology, or other assets that can increase efficiency, productivity, and profitability.
Working Capital: Financing can help businesses maintain a healthy cash flow by covering day-to-day expenses, such as payroll, inventory, and rent. This can help businesses avoid cash flow problems that can lead to missed opportunities or even bankruptcy.
Opportunity: Financing can help businesses take advantage of new opportunities, such as a sudden increase in demand or the chance to acquire a competitor. With financing in place, businesses can act quickly and capitalize on these opportunities.
Credit: Financing can help businesses build or improve their credit score, which can be important when seeking future financing.

Where do we offer Lines of Credit for Businesses?

Alberta -- Yes Available!
British Columbia -- Yes Available!
Manitoba -- Yes Available!
New Brunswick -- Yes Available!
Newfoundland & Labrador -- Yes Available!
Newfoundland & Labrador -- Yes Available!
Nova Scotia -- Yes Available!
Ontario -- Yes Available!
Prince Edward Island -- Yes Available!
Quebec -- Yes Available!
Saskatchewan -- Yes Available!
Yukon -- Yes Available!

What loan size, interest rates and terms can I expect?

If your business needs a significant amount of capital to grow or expand, a business line of credit between $1 million and $10 million or more could be the solution you need. We offer competitive interest rates from 4.99% depending on the business need and qualifications. For all loans, payment terms can vary and be what suits the business need the best.

Get a Business Line of Credit today

If you're looking for a flexible and convenient way to finance your business needs with a business line of credit, then contact us today to discuss your options! Our team of experienced professionals can work with you to determine the best line of credit solution for your unique business needs. With a business line of credit, you can have the peace of mind of knowing that you have access to funds when you need them, without having to take on unnecessary debt. So don't wait, reach out to us today to learn more about how a business line of credit can help your business thrive!

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Factoring is an excellent solution for business-to-business

Companies that collect payment through invoices. Invoicing often comes with a 30-day or even longer delay before payment is received, which can cause cash-flow problems.

With factoring, Global Access Capital purchases your invoices at a discount in advance, providing you with immediate cash. This allows your business to receive payment immediately to utilize for daily tasks and overall growth. When a business is expanding it may need cash flow as soon as possible and is unable to wait the 30-day payment period that comes with most invoice payment. Factoring eliminates this step, giving your business the funds immediately.

When a company is growing cash flow can be tight. Factoring allows companies the ability to receive payment for invoices quickly, without having to wait the 30-day payment period. Factoring gives you immediate access to funds, allowing for them to be put back into the growth of the business and everyday business activities.

Why get an Invoice Factoring / Accounts Receivable Loan?

Cash flow: By getting an accounts receivable loan, businesses can get cash quickly to cover their short-term working capital needs, such as paying suppliers or employees.
Growth: Accounts receivable financing allows businesses to access cash without taking on additional debt or diluting equity, which can be useful for financing growth initiatives.
Creditworthiness: If a business has limited credit history or a low credit score, it may be difficult to obtain traditional bank loans. In such cases, accounts receivable financing can provide an alternative financing option.
Customer relationships: Rather than waiting for customers to pay their invoices, businesses can use accounts receivable financing to access cash immediately, which can help maintain positive customer relationships.
Flexibility: Accounts receivable financing is a flexible financing option that can be tailored to a business's specific needs, with customizable loan terms and repayment schedules.

We Handle Payment Collection & Credit Risk

Global Access Capital also takes on the responsibility for payment collection and accepts any credit risk, within the Global Access Capital factoring process. This eliminates any risk to your business through the accounts receivable process. Once we've taken the invoice it is our responsibility, ensuring you no longer have to worry about payment moving forward and can concentrate on necessary business activities.

Get an Invoice Factoring / Accounts Receivable Loan today!

Getting accounts receivable financing has never been easier! At our company, we offer a hassle-free way for businesses to obtain the financing they need to grow and thrive. With our accounts receivable financing program, you can turn your outstanding invoices into cash quickly and easily, without having to wait for your customers to pay. Our team of experts will work closely with you to understand your specific financing needs and provide you with a customized financing solution that meets your unique business requirements. So why wait? Contact us today to learn more about how we can help you get the financing you need to take your business to the next level!

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ASSET-BASED FINANCING IS THE OPTIMAL WORKING CAPITAL SOLUTION

Asset-based lending, also known as asset-backed finance, ABL lending or an asset-based loan, provides your small or medium-sized business with fast, flexible financing to optimize cash flow and effectively manage critical transitions.

Whether your business is looking to maximize growth opportunities or manage a successful turnaround, asset-backed financing provides maximum flexibility, especially in the following circumstances:

- Refinancing
- Rapid growth
- Restructuring or turnaround
- Acquisition, merger or buyout

Asset-based lending works just like a revolving loan, which means it’s available when you need it, and you can pay it down whenever you choose.

Is Asset-Based Financing right for me?

Firstly, asset-based financing allows you to leverage your existing assets, such as inventory, equipment, or accounts receivable, to secure funding. This means you don't necessarily need a long credit history or high credit score to get the financing you need. How great is that?

Asset-based financing can also be a flexible option, allowing you to access funds quickly when you need them, and adjust the amount of financing based on changes in your business's needs. Plus, the financing terms can often be more favorable than other types of loans.

But perhaps the best part about asset-based financing is that it can help you grow your business! By securing the funds you need to invest in new equipment, expand your inventory, or hire more staff, you can take your business to the next level.

So if you're looking for a financing option that is flexible, accessible, and can help you grow your business, asset-based financing might just be the perfect fit for you!

Get in touch for an Asset-Based Financing Solution

We offer several ways for you to contact us and begin the process of obtaining an asset-based financing solution. The easiest way to get started is to fill out an online application form and submit it electronically via email. You can also give us a call and speak with one of our knowledgeable loan specialists who can guide you through the process and answer any questions you may have. Additionally, you can reach out to us by sending an email or through our social media channels.

No matter how you choose to contact us, we are dedicated to providing personalized service and helping you find the financing solution that works best for your unique situation. So don't hesitate to reach out to us today to start the process of obtaining the right asset based-financing solution for you!

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Our equipment financing solutions provide solid foundation for self-employed workers, small businesses or large businesses alike to get the equipment they need today, with loans ranging from $100K to $1M.

Through our leasing program, we are constantly seeking solutions that will help our clients to make rapid progress and will enable them to take advantage of the best business opportunities. This includes the ability to lease the equipment your business needs to continue its growth and day-to-day activities. If your business is beginning to grow and your in need of equipment, from furniture to ATMs, we can help you obtain it through our equipment leasing options.

We make the acquisition of equipment and machinery easier, better adapted, and faster, ensuring the process is streamlined and efficient. We also lease equipment for a wide variety of businesses, from restaurants and hair salons to start-ups and health services. Init Capital Funding strives to provide every type of business with the equipment they need, when they need it. Contact us to learn more about our equipment leasing options and discover what is best for your business and its continued growth.

Any industry, we offer an Equipment Leasing Solution for your business:

Construction: The construction industry often requires specialized and expensive equipment, such as cranes, bulldozers, and excavators. Leasing allows construction companies to access this equipment without making a large upfront investment, and it can also provide flexibility to adjust equipment based on project needs.

Transportation: The transportation industry relies heavily on vehicles, such as trucks and trailers. Leasing can provide transportation companies with access to the latest models, which can be more fuel-efficient and cost-effective. It can also allow companies to quickly and easily replace vehicles as needed.
Healthcare: The healthcare industry often requires specialized equipment, such as imaging machines, surgical instruments, and diagnostic tools. Leasing can provide healthcare providers with access to the latest technology, which can improve patient care and outcomes. It can also allow providers to easily upgrade equipment as needed.
Technology: The technology industry is constantly evolving, and leasing can allow companies to access the latest and greatest hardware and software without having to make a large upfront investment. This can help businesses stay competitive and up-to-date with industry trends.
Hospitality: The hospitality industry often requires specialized equipment, such as commercial kitchen appliances, furniture, and audiovisual equipment. Leasing can provide hotels and resorts with access to the latest equipment and technology, which can help improve guest experiences and increase revenue. It can also allow businesses to upgrade equipment as needed to keep up with changing trends and guest demands.
Restaurants: Restaurants require a lot of equipment, including ovens, grills, refrigerators, and dishwashers. Leasing can provide restaurants with access to high-quality equipment without the upfront costs of purchasing. It can also allow restaurants to upgrade equipment as needed to improve efficiency and reduce energy costs.
Retail: Retail businesses often require specialized equipment, such as point-of-sale systems, security systems, and display cases. Leasing can provide retailers with access to the latest technology, which can help improve customer experiences and increase sales. It can also allow businesses to upgrade equipment as needed to keep up with changing trends and customer demands.

What Does Your Business Need? We Can Help You Lease:

- Furniture
- Containers
- Construction equipment and heavy machinery
- Sanitary maintenance equipment
- Audio and audio-visual equipment
- Computers, IT equipment, printers, fax machines and photocopiers
- Generators
- Laundry equipment and sewing machines.
- Machine-tools (wood or metal)
- Mobile radios, alarm and surveillance systems
- Compressors
- Snow removal equipment
- Agricultural, farm, and winery equipment
- Traffic control equipment
- Vending machines
- Commercial kitchen and food service equipment
- Fitness, spa, and gym equipment

Start your Equipment Leasing Application today!

If you're interested in leasing equipment, we make it easy to get started. You can give us a call to speak with one of our leasing specialists who can answer any questions you may have and guide you through the process. Alternatively, you can send us an email or connect with us through our social media channels. We're committed to providing excellent customer service and helping you find the right equipment leasing solution for your business needs. If you're ready to get started, don't hesitate to contact us today!

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Merchant Cash Advances turns future income into cash that you can use to help manage your cash flow or take advantage of a new opportunity -- no collateral is required. It’s especially useful for smaller retailers or merchants in the business-to-consumer market.

With no hidden fees and a quick application and approvals process, you can access funds within a few business days for working capital, renovations, buying inventory, marketing materials, or as an emergency cash supply. This can help business owners through expansion periods allowing them access to the necessary funds to grow and flourish.

With a merchant cash advance you do not need to worry about manually having to pay back the balance, as it will automatically pay itself off through future sales. This also means that you do not have to pay back the merchant cash advance until sales have been generated, ensuring your company is not in debt with nothing to show for it. We believe in helping businesses through periods where cash flow is tight and business operations need to continue and grow.

Contact us today to learn more about our business financing options and the benefits of merchant cash advances.

Why get a Merchant Cash Advance?

- Quick access to funds.
- Little paperwork and credit requirements.
- Repayment amount adjusts with daily sales volume.
- Flexible repayment terms.
- Alternative financing option for businesses with poor credit or lack of collateral.

How Merchant Cash Advances Work?

From start to finish, applying for and receiving a merchant cash advance is a fast and painless process and best of all you don’t have to pay us back until you generate sales. You pay back the balance (the funded amount plus our stated fee) automatically through future sales -- either directly through future debit or credit card sales or an automated fixed payment, no cheques required.

Init Capital Funding will help walk you through the entire merchant cash advance process, explaining everything along the way. We help businesses grow into their full potential.

Get a Merchant Cash Advance today

If you're interested in obtaining a merchant cash advance to finance your business, there are several ways to contact us today. You can contact us today with your information and the type of financing you're interested in, and one of our representatives will reach out to you shortly.

Additionally, you can give us a call during business hours to speak directly with a representative and discuss your financing options. We're committed to providing excellent customer service and helping you find the financing solution that best meets your business's needs. So go ahead and contact us today to learn more about our merchant cash advance options and start the process of obtaining the funding your business needs to succeed.

Contact To Get Started

1. Book -- Reach out to book your free assessment with Init Capital Funding.

2. Free Assessment -- We will work with you to find a financing product that meets your business needs and goals.

3. Invest & Grow -- Build your business to new heights knowing you have the financing required to operate in your industry.

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