Financing Solutions
Equipment Financing
Equipment is an essential element for any business, regardless of which industry it is in. Whether you need heavy machinery, computers or another type of equipment to help your business grow, KOPP Capital can help you afford the machinery you need. We offer both equipment financing and leasing so you can find an option that meets your company’s individual needs.
Equipment Leasing
Leasing equipment is a good option if you don’t want the responsibilities of ownership. This option allows you to preserve existing lines of credit and keep cash on hand for other needs. You will also qualify for significant tax advantages when you choose to lease equipment instead of buying it, and you are free to upgrade your machinery at any time when new models become available.
Equipment Financing
If you buy your equipment, you are free to use it in any way you deem fit. We make it easy for you to afford to finance equipment by offering loan amounts of up to $500,000 with several repayment options. We do not require collateral on many of our loans, and we do not need to see a financial statement if you are applying for a loan under $150,000.
Programs We Offer
We understand that different types of companies have various needs when it comes to equipment. Depending upon which category your business falls into, you may qualify for any of the following programs.
- B, C and D programs: Companies with poor credit histories qualify for financing.
- Startup programs: New businesses with limited credit histories can obtain financing.
- Government and municipal programs: Public entities are guaranteed approval for equipment financing.
- Sale and lease-back programs: We buy the equipment you need and allow you to lease it until you can afford the purchase price.
Every company needs equipment to operate at peak capacity. If you need financing options so your business can afford the machinery it needs, contact KOPP Capital today to discuss your options.
Commercial Real Estate Financing
KOPP Capital has many types of financing available for commercial real estate. We can structure a financing deal that fits your needs, whether your transaction is large or small. We finance commercial real estate in amounts ranging from $100,000 to $1,000,000+.
Our financing options are suitable for owner-occupied commercial real estate and investment properties. Here are some of the commercial real estate loans we offer:
Conventional Loans
- Available in amounts up to $100,000,000
- Designed for real estate such as multifamily investment properties, self-storage facilities, industrial buildings and mobile home parks
Construction Loans
- Permanent financing for construction projects
- Amounts from $10,000,000 to $100,000,000
- Suitable for experienced investors
FHA and HUD Loans
- Available for up to $50,000,000
- Can be used to finance hospitals, clinics, multifamily rentals, and senior housing
- New construction or rehabbing of properties are covered
- Can be used to purchase existing properties
- Non-recourse loans available
Bridge Loans and Hard Money Loans
- Interest rates of 14% or less
- 80% LTV ratios
- Interest-only payments
- Loan amounts up to $100,000,000
Equity and Mezzanine Loans
- Flexible according to your situation
- For high net worth principals
- Financing from $5,000,000 to $100,000
International Loans
- To be used for international projects
- Experienced in Europe and Asia
- Structured debt, equity and mezzanine financing
- Can finance from $50,000,000 to $1,000,000,000
CMBS Loans
- Commercial mortgage-backed securities
- Pooled properties are converted to securities and sold as bonds
- Up to $50,000,000 financing
- Low interest rates
- Fixed terms
SBA 7a and 504 Loans
- For owner-occupied properties
- For flagged and non-flagged hotels
- Terms up to 25 years
- Interest rates 4.5% and up
Small Business Loan
When the need for financing for your small business arises, look to KOPP Capital for the flexible, affordable products you need. As a preferred financial services company that has the Small Business Administration’s stamp of approval, KOPP Capital processes SBA loans quickly, ensuring you have the funds you need to move forward with your plans on a schedule that works for you.
Qualifying for a Small Business Loan
When determining an applicant’s eligibility for financing, we primarily focus on the state of the business’s finances and not the individual’s. We want to see that your business has consistent cash flow and that you manage your business funds responsibly. If our assessment reveals that you do, we may issue a prequalification in as few as 48 hours. Applying and qualifying for our SBA loans is that easy.
Million Dollar Loans With Flexible Terms and Financing
KOPP Capital knows that to succeed in today’s competitive landscape, you need a significant amount of capital. We issue loans of up to $5 million and don’t charge you an arm and a leg to do so.
Our loans carry terms of between 15 and 25 years and come with financing of between 80% and 95%. They feature competitive rates, are amortized and come with no prepayment penalties. For both our 7a and 504 programs, rates are both variable and fixed.
Financing for Industrial, Commercial and Real Estate Properties
Real estate is essential to your business operations. At KOPP Capital, we know this, and we want to ensure you have the funds you need to finance the purchase, refinance, build or renovation of a property. Types of properties our SBA loans help fund are as follows:
- Hotels and motels
- Veterinary practices
- Child-care facilities
- Car repair shops
- Car dealerships
- Gas stations
- Car washes
- Single-purpose buildings
- Non-conforming properties
Merchant Cash Advance
If you are a small business owner, you may wonder whether there are any types of financing available to you besides a standard small business loan. At KOPP Capital, we know it can be difficult to get a loan from a standard credit union or local bank. That’s why we offer a merchant cash advance.
What Are Some of the Benefits of an Advance?
If you’ve never used this type of loan before, you may wonder what it entails. Here are some of the main points:
- Having a top-notch credit profile is not a requirement.
- You will usually receive funding within seven days of getting your application approved.
- Advances are given to you based on your future credit card sales, and many different credit card accounts can be approved.
- If you qualify, you can receive up to $200,000 for each individual business site.
How Does a Merchant Cash Advance Work?
With a cash advance on your future merchant payments, you don’t have to earmark the money for something in advance of receiving the funds. The application paperwork is simple and there is no fee. You don’t have to have collateral because your advance is based on what your customers are expected to pay you. This type of loan is also easy to repay.
Contact us at KOPP Capital today to learn more about whether this is a good option for your business.