Conventional Secured Term Loans

Borrow between $50,000 and $500,000 to purchase inventory, acquire assets such as equipment, machinery or vehicles, open in another location, hire a new sales team, start a marketing campaign, buy a franchise or pay off higher cost debt.

Qualification is based on the revenue, credit history and assets of the business as a whole. A profitable company with a minimum of $300,000 in annual gross revenue that's been in business for at least 2 years can qualify for secured credit, available as a fully amortized term loan and obtainable in 36, 48, or 60 month increments. Funds can be accessible in the Company account within 72 hours of processing completion. The lender will typically deduct three points from proceeds at closing.

  • Flexible Loan Size: Up to $500,000
  • Low Interest Rates: From 9.99% to 17.49%
  • Manageable Payments: 3 to 5 year terms
  • Easy-to-Understand: Fixed rate, fully amortizing payments
  • No Prepayment Fees: No penalty for borrowers who repay early

An Easier Way to Borrow

We make the process of borrowing funds to grow, remodel, or re-finance your business simple and efficient. Our lenders' web-based alternative lending market connects small business owners with non-traditional sources of capital, including high net worth individuals and institutional investors.

  • Quick Application: Full application takes less than 10 minutes
  • Fast Decision: Receive a response within 48 hours
  • Paperless Process: Electronic documentation and signatures
  • Direct to You: The money is sent straight to your bank account


General Qualifying Criteria

  • FICO > 620
  • Business Net Income > $100,000
  • Business Debt < $500,000
  • Business Revenue (most recent year) > $300,000
  • Home Loan-to-Value (LTV) < 80%
  • Personal Income (including Guarantors) > $75,000
  • Years in Business (excluding Franchise businesses) ≥ 2 years
  • No history of Bankruptcy, Tax Liens, Judgments or Criminal Activity

It should be noted that each individual situation is different and the lender will make their qualification judgement based on the specific facts of that particular situation. Ultimately, the determination of acceptability is based on the conclusion that there is a very high likelihood that the loan will be repaid in a full and timely manner.


Required Documentation for Verification

  • Business P&L and Balance Sheet (2012, 2013 & YTD 2014)
  • Business Bank Statements (trailing 12 months)
  • Business Tax Returns (2012 & 2013)
  • Business Articles of Incorporation
  • Guarantors Personal Bank Statements (trailing 12 months)**
  • Guarantors Personal Tax Return (2013)**
  • Guarantors Personal Financial Statement**
  • Detailed Sources & Uses of Funds Breakdown
  • ECF Information Form

**Guarantors/Owners over 20%

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There are no up front fees or costs involved with secured business loans. Request an application today.




            Grow Your Company

“We believe that real estate construction projects with sufficient pro-forma income and experienced developers with exceptional ideas deserve to be rewarded with innovative financial products combined with an outstanding customer service experience and backed by established, capable and reputable private financial institutions that fulfill a need in todays lending marketplace.”


Contact us by email at: or fill out the Form below.

Please fill out the form below and a principal will contact you within 48 hours to discuss your options.


All information will be handled with strict confidentiality. None of your information will be shared with any other entity except the lender.






Last updated on 03/27/17

All rights reserved. Subject to change without notice

This website is for informational purposes only and is not a solicitation for the purchase or sale of any securities, nor a solicitation of investment funds or placement. The information on this website does not represent the policies of any bank or financial institution, is not intended as a confirmation of any transaction, and does not consist of any legal, securities or tax related advice.

Executive Capital Finance not a direct or correspondent lender, realtor, mortgage broker, certified financial advisory firm, securities brokerage firm or a stock brokerage firm. Executive Capital Finance is a business consultancy firm that facilitates private business transactions and provides consulting services to businesses and individuals on or about private business matters.