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Step 1. Evaluation of Your Request

We take your financial statements, tax returns, and personal financials and tax returns and create a complete analysis that focuses on what a lender needs to know: cash flow coverage, collateral coverage, global cash flow and trends.

Step 2. Packaging Your Request

We take the financial analysis along with your core financial information (internal and CPA prepared financial statements, tax returns, aging reports, etc.) and package it into a comprehensive loan request portfolio.

Step 3. Placement of Your Request

We use our proprietary database of every Bank doing business in California and submit your request. based on your loan request.. We stay with you all of the way to negotiation and closing of your loan.

Business Loan Packaging and Placement Services.

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CALBIZ LOANS

CalBiz Loans provides a 3-step approach to Evaluate, Package and Place your Business loan request. CalBiz Loans has succesfully placed hundreds of business loans covering all loan types: Lines of Credit, Equipment purchase, Asset Based Loans, purchae/refinance of commercial real estate, construction loans, specialty projects (hotels, Gas Stations, multi-family) SBA 7a and 504 loans, USDA, CalCap and California State Loan Guaranteed loans. We use the underwriting guidelines banks use to evaluate loan requests. We format the Loan Request the way that Lenders want eliminating the fluff and focusing on the supporting financial analysis.

Zero Cost to Start. CalBiz Loans understands that paying up front for a service without knowing if you will be approved for a business loan, is difficult. That is why we engage our services with no fees due up front and no fee paid unless you close your loan request. Our services cost .50% of final approved loan amount. Most brokers will charge you a percentage of your loan - ranging from 1.00% to 2.00%. On a $1,000,000 loan, your company will save from $5,000 to $15,000 for the same loan amount.

BankProfiles Databse. We utilize our own proprietary database of every bank in the United States to provide a quick and efficient matching process that save significant time in the loan request process. Our database take financial metrics from the FDIC and information on loan products and markets served and legal lending limits to match your request to the bank that fits your needs.