Financial Institutions! We have available for sale $36 million Prime & Near Prime performing auto loans.  Contact us.

          Welcome To Capital Finance !

We Buy Notes!
For Information
Send Us An Email!

For Advertising Information
Send Us An Email Here!

Email Us For Help!

   As a commercial borrower, you need a specialist, trained and experienced at negotiating the fine points of commercial loans to represent you and insure that the terms and conditions of your loan are the best possible ones for your situation. Capital Finance provides that specialized expertise based upon years of experience negotiating from an insider's perspective to insure you get a fair shake.  In the same way that companies or investors hire their own insurance adjustor to maximize recoveries from an insurance company after an insured loss or hire an attorney to negotiate a settlement in a business dispute, Capital Finance represents you and only you in commercial loan negotiations.

  Just as the private insurance adjustor or your attorney make certain you get all you are entitled to based upon their experience and intimate knowledge of customs, practices and relative strength of your position; Capital Finance maximizes your competitive advantages, using our years of experience as an insider, to get you the best possible loan.

  Do you know what a Yield Spread Premium is and who gets the benefit of it?  What is the added interest cost of extra Float Days in a contract for commercial finance?  What is the potential cost of a Yield Maintenance provision in a commercial mortgage?  The market for commercial loans has changed considerably in the past couple of years to favor borrowers.  Unless you have Capital Finance representing your interests, you probably paid too much!

  You frequently hear mortgage companies carping about being a direct lender and how this can save you money on broker fees and points.  The plain fact is that a Mortgage Broker can usually beat a direct lender's rates and terms!  How, you ask?  As a mortgage broker, we have access to hundreds of lenders with literally millions of products, programs, rates, and special financing deals.  We find the lender with the lowest rates and terms based on your individual needs. Direct lenders often have limited products and poorly trained clerks who try to "plug" you into the "cookie cutter" product, regardless of whether or not it's the best for you.  With Capital Finance, you have a partner who helps you to find a great deal every time.  A report from the Georgetown University Credit Research Center said brokers' customers have a lower annual percentage rate, on average, than bank customers.  Even sub-prime borrowers that used a mortgage broker paid lower APRs "than borrowers obtaining sub-prime mortgages from creditors."  Read our report, "Why Use A Commercial Loan Broker?"

  We maintain special expertise in the following areas.  Click on one of the buttons below or any of the underlined titles to get more details about specific types of loans.

 

Commercial Real Estate Finance

 

We locate and negotiate the best possible terms on commercial real estate loans based upon our relationships with lenders and a database of over 600 commercial lenders.  Our only goal is to get you the best available rate and terms.

 

SBA Loans

 

SBA loans can be exceptionally attractive for borrowers in certain circumstances.  Most people reject the offer of an SBA loan out of hand because of myths, misconceptions or stories they have heard which are based upon false premises.  The truth is SBA loans can give you more money, at a cheaper rate of interest and for a longer term than most commercial loans.  Capital Finance takes the mystery and headaches out of getting an SBA loan.  Take a look at our "Guide to SBA Loans"  for answers to most of the common questions and then let Capital Finance help you get the right deal.

 

Accounts Receivable/Inventory/Purchase Order Finance/Factoring

 

If your business is growing faster than your capital or you experience strong seasonal sales Capital Finance can structure a package of loan types, including financing accounts receivable, inventory and purchase orders, specifically designed to meet your needs.  Structured and negotiated properly, asset based finance can be more cost-effective than an ordinary bank loan.  Collectively known as "commercial finance" , these techniques can be complicated and use of the wrong type or improperly negotiated can result in unnecessary cost.
 

Equipment Leasing

 

If you need equipment for your business to grow but don't have the needed capital, if you can't take advantages of the tax benefits that equipment ownership brings or if you simply need to preserve your working capital position to support current asset growth, equipment leasing may be for you.  Call us or visit our leasing page for an explanation of what is best for your business or to review our "Leasing Guidelines."

 

Renegotiating Debt

 

Sometimes lending arrangements need to be adjusted.  Perhaps because the borrower's situation has improved from where it was when the credit arrangements were originally set, industry customs, competition, economic conditions or the nature of the business has been altered or the business has suffered a setback dictate that changes must be made to borrowing agreements.  There is no business in the world that has everything proceed exactly according to plans.  Even great businesses occasionally hit a "bump in the road."  Knowing what your lender can and cannot do and how to accomplish the changes you need to get back on plan are the key.  Our years of experience "on the inside" make successful renegotiation of debt possible.

 

Complex Structured Financial Transactions

 

Complex structured finance transactions are innovative financing techniques creating customized financing products to suit the financial needs of customers.  These transactions have experienced dramatic growth in recent years, and have become increasingly more complex. When used appropriately, they can add positive contributions to risk management and to the welfare of the borrower's overall financial and economic development. They may diversify risks, allocate cash flows, or reduce costs.  

"Bonded and Licensed California Commercial Finance Lender"

                            

Contact Information:

Telephone:

(760) 776-5749

Facsimile:

(760) 776-9179

Postal address:

Capital Finance
45605 Navajo Drive
Indian Wells, California 92210-8872

Electronic mail

General Information: CapitalFin@pipeline.com

Loan Information:     Loan Information@IndianWellsCapital.com

Underwriting:           Underwriting@IndianWellsCapital.com

Expert Witness Site - click here

All Pages Copyrighted © 2006-2008 Capital Finance - All Rights Reserved
Last modified: 1/21/08