Capital MBS: When Banks Say No, We Say Yes – Practical Financial Solutions For Businesses
- Jun 28, 2024
- 6 min read
Written by Irina Proskurina, Entrepreneur
Irina Proskurina is a proud CEO and founder of E-PR Online Agency – a New York-based digital platform that leverages online publications in the world’s most renowned media outlets to help people and businesses grow their brands. With years of experience in PR under her belt, she witnessed amazing client success stories: explosive audience reach boost, growth in SERP rankings and traffic, excellent brand reputation – you name it.
In the complex landscape of business financing, Capital MBS is a key player, offering a wide array of financial solutions tailored to meet the diverse needs of businesses. Initially focused on truck and trailer financing, the company recognized the inherent risks and challenges within the trucking industry and strategically expanded its services to encompass various sectors. Capital MBS has partnered with over 80 banks which positions it as a vital intermediary, helping businesses secure necessary funding even when traditional banks say no. Their mission, encapsulated in their slogan, "When Banks Say No, We Say Yes," is to provide accessible and flexible financing options.
Established in 2014, Capital MBS offers a decade of experience in serving business owners, providing them with the financial tools and guidance they need to thrive. Capital MBS is a premier marketplace for various financing options, offering comprehensive solutions tailored to meet the unique needs of businesses across the United States.
Behind the success of Capital MBS stands Yaro Yarema, the founder with a passion for equipment and business financing. His guidance and support have helped numerous clients secure working capital loans and alternative business financing, while also assisting them in obtaining equipment financing, sales leaseback options, and real estate bridge loans.
A marketplace of financing solutions
Capital MBS operates as a brokerage firm, acting as an intermediary between banks and businesses. This unique position allows them to offer a wide array of financing options, ensuring that businesses can find the right fit for their specific needs. Whether a company is looking to finance equipment, secure working capital, or invest in real estate, Capital MBS has the expertise and resources to facilitate these transactions efficiently.
Diverse financing solutions
Capital MBS's comprehensive range of financing solutions extends beyond trucks and trailers to cover various types of equipment, including yellow iron (excavators, bulldozers, skid-steers), manufacturing equipment, solar charging stations, medical and dental equipment (such as X-ray machines), dump trucks, drilling machines, and more. Additionally, they offer working capital loans through traditional banks or the Small Business Administration (SBA), lines of credit through local banks, and diverse real estate financing options.
Their real estate financing options cater to various investment strategies. With Fix and Flip, they extend purchase financing coupled with renovation funds via interest-only loans. This approach empowers clients to concentrate on property enhancements without the immediate pressure of repayment, facilitating smoother project execution. For investors seeking to acquire and retain properties, Fix and Hold presents an ideal solution, ensuring financial flexibility and long-term investment viability. Furthermore, their Ground Up Construction financing caters to ambitious new construction ventures, providing tailored financial solutions to support the realization of innovative projects from inception to completion.
Business factoring and AR solutions
Capital MBS provides multiple options for securing working capital to help businesses manage their operational expenses, inventory, and other financial needs. Among these options are traditional bank loans and SBA loans, which deliver the essential funding required for various business activities. Additionally, Capital MBS offers lines of credit through local banks. These lines of credit are designed to offer flexibility and are available to businesses that meet specific criteria, including maintaining a minimum credit score of 700 and having at least one year of business tax returns.
Merchant cash advance (MCA) solutions
For businesses in need of fast cash, Capital MBS offers Merchant Cash Advance (MCA) solutions. This form of business cash advance allows merchants to access funds quickly based on their future credit card sales. While MCA can provide fast advancements, it's essential to note that this financing option typically comes with the highest overall costs compared to other financing options available.
Real estate financing
For businesses aiming to invest in real estate, Capital MBS offers a range of financing options tailored to different needs. Their fix and flip loans provide up to 90% of the purchase price and 100% of rehab costs, making them perfect for investors looking to renovate and sell properties. Bridge loans, which feature short-term, interest-only payments, are ideal for transitional real estate projects.
SBA loans
Additionally, Capital MBS provides SBA loan programs, providing substantial benefits to small businesses. Their SBA 7(a) loans are versatile, suitable for general working capital or equipment purchases, commonly referred to as working capital loans and Equipment Loans. SBA 504 loans, often used as an SBA real estate loan, are designed for purchasing large equipment or real estate, offering favorable terms and repayment periods. Additionally, SBA Express loans, part of the 7(a) program, provide expedited access to capital for urgent business needs. The SBA guarantees a portion of these loans, increasing the likelihood of approval for businesses with less-than-perfect credit or financials, while also offering competitive SBA loan interest rates and SBA interest rates. These options are part of Capital MBS broader commercial financing solutions.
Distinctive approach to small business assistance
What sets Capital MBS apart from other brokerage firms is their personalized and innovative approach to assisting small businesses. This extensive bank network of 80 banks enables Capital MBS to place clients with the right lenders, significantly increasing their chances of approval and protecting their credit scores through soft inquiries.
Client support
Capital MBS ensures comprehensive assistance across various financial needs through their client support services. They provide credit consulting, analyzing and recommending strategies to improve clients' credit profiles. For new businesses, Capital MBS assists in securing start-up capital essential for launching operations. Their factoring services help businesses identify the best factoring companies to manage accounts receivables efficiently. Additionally, they connect clients with wholesale dealers to obtain better pricing on equipment. This 360-degree approach includes client interviews, credit reviews, equipment sourcing, and a diverse range of financial product offerings, guaranteeing personalized support for every client.
Application process
Capital MBS understands the diverse needs of businesses and offers two streamlined application processes to accommodate varying requirements efficiently. Firstly, the APP ONLY Application offers a swift 2-4 day process, simplifying the procedure with an electronic application submission along with three months of bank statements, ID, and a bill of sale. This option often entails a down payment, ranging from 0% to 40% based on credit quality. Creative solutions, such as leveraging paid-off equipment as equity, can fulfill down payment requirements. Conversely, the Regular Application involves a more comprehensive approach, spanning 1-2 weeks, and necessitates documentation like tax returns, financial statements, debt schedules, and profit and loss statements. This thorough process is tailored for traditional financing options, including SBA loans, ensuring meticulous evaluation and tailored financial solutions.
Investment real estate financing
For investors in real estate, particularly those involved in fix-and-flip projects, Capital MBS provides tailored solutions. They analyze borrowers’ credit and explore creative options such as co-signers with relevant experience or pledging equity from other real estate as collateral. They also help clients secure credit lines with 0% interest for up to 18 months, providing the necessary liquidity to execute real estate transactions successfully.
Conclusion
Capital MBS stands out as a crucial partner for businesses navigating the complexities of securing financing. With comprehensive solutions ranging from equipment financing to working capital loans, and an unwavering commitment to finding the best possible funding options, Capital MBS ensures that businesses have the financial support they need to thrive. Whether dealing with the challenges of the trucking industry or exploring new opportunities in real estate, Capital MBS is dedicated to saying "Yes" when traditional banks cannot.
If you're ready to take your business to the next level, apply now and start your journey towards growth and success today by following this link.
Irina Proskurina, Entrepreneur
Irina Proskurina is a proud CEO and founder of E-PR Online Agency – a New York-based digital platform that leverages online publications in the world’s most renowned media outlets to help people and businesses grow their brands. With years of experience in PR under her belt, she witnessed amazing client success stories: explosive audience reach boost, growth in SERP rankings and traffic, excellent brand reputation – you name it. She’d like to share these stories to inspire readers to pursue PR strategies for their business endeavors. Her services allow companies to grow their brand essence, increase engagement with their target audience, capitalize on SEO and carve a unique space in their mark.
