Alternative Financing

Commercial Funding International, LLC (CFI) is committed to responsibly serving the financial needs of its clients with integrity, sensitivity, and responsiveness.

We provide a variety of services for individuals and businesses, finding money outside the traditional lending community. This usually involves offering cash for all or a portion of incoming payments or finding money for a purchase. Some of the services offered are listed below:

Alternative Financing - Business Services

• Accounts Receivable Financing
• Cash for business notes
• Purchase order funding
• Equipment leases

Alternative Financing - Personal Services

• Cash for seller held mortgage notes
• Cash for collateral based installment notes (cars, boats, planes, …)
• Cash for structured settlements

A/R Financing - The sale of invoices (factoring) is a common practice for fast growing businesses or companies in survival mode. Factoring companies purchase invoices at a discount in exchange for providing immediate cash. Credit transactions become cash transactions, recovering working capital to fund additional sales or pay bills. When used strategically, factoring can increase profits without bank loans. Fees are based on credit worthiness of customers rather than the business that uses the services. Programs are available for commercial, medical, or construction receivables.

Business Loans - CFI can help businesses in the lending process for commercial expenditures. This extends from financing commercial real estate to acquiring SBA financing for business development.

Business Notes - It is estimated that 75% of all businesses are sold on private contract. It may be possible to sell those contracts when previous owners want cash instead of payments. We can help the seller by providing a source who can purchase the incoming payment stream for a lump sum of cash.

Commercial Debt Management - Companies with Accounts Payable problems can have their debt restructured to reduce stress while they concentrate on additional income. CDM’s goal is to cut existing debt by 50% and eliminate time consuming creditor calls.

Equipment Leasing - Most companies that require specialized business equipment can lease. The advantages of leasing include conserving working capital, off balance sheet recording, fast tax write off, better cash flow, and an improved credit rating. It may even cost less than bank financing. You choose what to buy and from whom, then pay for it as it enhances your income stream instead of by bank financing or direct company expense.

Other Payment Streams - We can help exchange many incoming payments for cash, such as annuities, judgments, commissions, lottery winnings, and structured settlements.

Private Mortgages - It is often advantageous for a buyer and a seller to agree on a private financial contract (Seller held mortgage note). We can consult on how the note would ideally be created, and help both parties in the transaction process. Once the agreement is completed in an escrow closing, we can help the seller obtain a lump sum for all or part of the incoming payments.

Purchase Order Funding - Businesses may occasionally receive purchase requests that exceed their capacity to deliver. Such requests would be from creditworthy customers for personal property (i.e., physical items that are transportable) to companies that have shown previous success in managing their business. When this occurs, we can arrange for the sale of the purchase order for immediate cash. The funding company provides the working capital the business needs to fulfill the order while collecting a discount through the invoice process.

Store Contracts - Retail sales for products or services may be easier to sell with store contracts. We can help the funding process by providing customer financing and/or portfolio sales. Retail financing means store contract for expensive consumer products are financed by a lender. Portfolio sales involve the transfer of multiple collateral based store held contracts to a funding source.

To find out more about our company and how we can contribute to your success, please contact us. All inquiries are held in the strictest confidence.

Commercial Funding International, LLC
Mr. Jerry O'Neill, Managing Director

“Service to help you capitalize your opportunities."

tel: (503) 245-2789
fax: (503) 213-7875

email: info@commercialfundinginternational.com

Commercial Funding International and CFI are a Trademarks of Commercial Funding International, LLC.