$50K – $10M
2 – 4% / month
Traditional lenders are designed for conventional applications. Not every business opportunity fits a conventional lending model. A company may have a valuable property, profitable contract, purchase opportunity or clear repayment plan but still be declined because of credit, reported income, operating history, industry risk or the speed at which the funds are required.
Green Light Money Services Inc. provides or arranges private business financing for qualifying transactions using our own capital and established funding partners. Financing generally available from $50,000 to $10 million. Indicative rates: approximately 2% to 4% a month, depending on the transaction.
Private financing may be appropriate when:
Private funding should solve a defined business problem or help the company capture a measurable opportunity. It should not be used simply because it is faster when a suitable lower-cost solution is reasonably available.
Indicative rate: approximately 2% to 4% a month.
The final rate depends on: loan amount, available collateral, loan-to-value ratio, business revenue, credit history, repayment term, urgency, industry risk, security position and strength of the exit strategy.
For qualifying commercial loans advanced to a corporation or other non-natural-person borrower, current federal commercial-loan rules vary according to the loan amount and APR. Commercial loans above $10,000 and up to $500,000 may fall under a 48% APR commercial-loan threshold when the applicable conditions are met, while qualifying commercial loans above $500,000 are treated differently under the federal regulations.
Green Light’s advertised target range remains approximately 24% to 40%, based on the individual transaction.
A conventional lender may focus primarily on tax returns, standardized ratios and credit history. A private lender may place greater weight on:
This flexibility does not mean that every application will be approved. The transaction must still demonstrate a reasonable path to repayment.
No. Businesses also use private funding because of speed, flexibility, limited operating history or a transaction that does not fit conventional underwriting.
Many private loans require collateral, although the required security depends on the transaction.
Yes. Private capital is often used as bridge financing until a lower-cost loan, property sale, customer payment or another repayment event occurs.
A preliminary response may be possible within 24 hours. Final closing depends on verification, valuation, legal work and satisfaction of the funding conditions.
Tell us how much capital is required, why it is needed, when it is required and how it will be repaid.
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