Small Business

OVERVIEW
  • Ready Capital, through its subsidiary ReadyCap Lending, LLC, is an approved non-bank, U.S. Small Business Administration (SBA) Preferred Lender
  • Offers secured and unsecured financing nationwide to small business owners
  • Provide loans from $350,000 to $5 million
  • Flexible terms and competitive loan rates to fund a range of business needs
  • Longer terms, lower down payments and more flexibility than other types of business financing, to improve cash flow as you expand or start your business
  • Closing costs may be financed
  • Equity injection may include seller note or gift funds
  • Working capital may be included
  • Story driven underwriting
  • Low down payment
  • Longer terms
  • More flexibility
  • Fixed rate available for those who qualify
Comprehensive Lending Solutions for Financial Advisors

Lending solutions for the commercial real estate and business operating needs of your clients

Financing for the portfolio/practice acquisition, succession and commercial real estate needs of your own business

 

PRODUCT SHEET
Ready Capital: Exclusive Loan Solutions for Financial Advisors

 

LOANS FOR FINANCIAL ADVISORS
Loans up to $7,500,000
Portfolio/Practice acquisitions
• Partner/Shareholder buyouts
• CRE purchase, refinance, refurbishment
• Advance rates to 90% or more
• No tricky financial covenants typically required by banks
• Start-ups/early stage practices can qualify
• Practice sellers must be fully bought out, but can remain an employee for up to 12 months from closing
• Closing costs included in loan amount

 

LOANS FOR CLIENTS & PROSPECTS
Loans to $7,000,000
• Wide variety of industries

• Business Operating Loans:

• Acquisitions/Expansion
• Machinery & equipment
• Working capital
• Refinance existing business debt
• Partner/Shareholder buy-out

• Owner Occupied* CRE:

• Purchase land, building, equipment
• Refinance existing CRE debt
• Construction, Refurb., Improvements

Read the Ready Capital product sheet for complete information about our FA loan offerings. 

Business Lending

Comprehensive Business Lending Solutions

WHY READY CAPITAL?

  • Preferred Lender provider for the US Small Business Administration (SBA)
  • Easy referral process with fast screening for eligibility and fit
  • Top originator in the SBA 7(a) lending program
  • Wider non-bank lending box that gets more transactions done
  • Every opportunity handled by a seasoned lending specialist
  • Referral fees paid on all funded transactions at the top of industry standard.

Read more >

INDUSTRIES

Ready Capital is a national direct lender that specializes in providing financing solutions to a wide range of industries. Our team of specialists understands the value of your business as well as the people who operate the practice and the communities that they serve.

Loan Programs:

  • Owner Occupied Real Estate
  • Business and Partner Buyouts
  • Real Estate Loans
  • Renovations & Expansions
  • Working Capital
  • Practice Acquisitions
  • Debt Consolidation
  • Construction
  • Equipment

Loan Terms:

  • Creative Financing Structures
  • Up to 25 Year Loans
  • Competitive Interest Rates
  • Flexible Payment Structures
medical

MEDICAL

dental

DENTAL

logistics

LOGISTICS

self-storage

SELF
STORAGE

funeral-homes

FUNERAL
HOMES

insurance-agencies

INSURANCE
AGENCIES

legal-accounting

LEGAL
ACCOUNTING

warehouse

WAREHOUSE

assisted-living

ASSISTED
LIVING

hospitality

HOSPITALITY

childcare

CHILDCARE

liquor-stores

LIQUOR
STORES

pharmacy

PHARMACY

veterinary

VETERINARY

convenience-store-gas-station

CONVENIENCE
STORE /GAS STATION

Mike Kim
Glendale, CA

Mike Kim has more than 25-years lending experiences with SBA7a, USDA B&I and regular commercial loans.  Prior to joining RCL in 2018, Mike Kim served as Chief Lending Officer, SBA Manager and Commercial Lending Manager at various banks including Hanmi Bank, Royal Business Bank and Pacific City Bank. Mike Kim’s extensive experience in various lending programs can provide the best lending options for clients and referral partners with a proven excellent performance record.

Specialties:
  • Small Business
See most recent transactions & client testimonials:
$760,000
Real Estate Purchase
Small Business
Gasoline Stations with Convenience Stores
25 Year Term
Monroe, NC
$480,000
Real Estate Purchase
Small Business
Mobile Home Park
25 Year Term
Miles City, MT
$820,000
Refinance
Small Business
Liquor Store
25 Year Term
Tempe, AZ
$1,150,000
Real Estate Purchase
Small Business
Pet and Pet Supplies Stores
25 Year Term
Lancaster, CA
$1,695,000
Real Estate Purchase
Small Business
Dentists' Office
25 Year Term
Westminster, CO
$760,000
Real Estate Purchase
Small Business
Dentists' Office
25 Year Term
Pico Rivera, CA
$3,850,000
Real Estate Purchase
Small Business
Hotels (except Casino Hotels) and Motels
25 Year Term
Ardmore, OK
$550,000
Building Improvements
Small Business
Dentists' Office
25 Year Term
Westminster, CO
$460,000
Business Acquisition
Small Business
Full-Service Restaurants
10 Year Term
Marietta, GA
$1,200,000
Real Estate Purchase
Small Business
Other Heavy and Civil Engineering Construction
25 Year Term
Commerce, CA
$1,750,000
Real Estate Purchase
Small Business
Car Washes
25 Year Term
Hanford, CA
$1,430,000
Refinance
Small Business
Hotels (except Casino Hotels) and Motels
25 Year Term
Dayton, CA
$1,325,000
Refinance
Small Business
Car Washes
25 Year Term
Lost Hills, CA
$410,000
Business Acquisition
Small Business
Pharmacies and Drug Stores
10 Year Term
Los Angeles, CA
$380,000
Business Acquisition
Small Business
Liquor Store
10 Year Term
Barstow, CA
$4,525,000
Real Estate Purchase
Small Business
Car Washes
25 Year Term
Los Angeles, CA
$400,000
Refinance
Small Business
Hotels (except Casino Hotels) and Motels
25 Year Term
Barstow, CA
$1,040,000

Small Business
Hotels (except Casino Hotels) and Motels
25 Year Term
Los Angeles, CA
Military Makeover Series

Since 2019, Ready Capital has been a proud annual sponsor of the Military Makeover series with Montel Williams on Lifetime TV. Each season, we actively sponsor a dramatic home makeover for a veteran from the US Armed Forces.

At Ready Capital, we honor all those who served our country within the US Veteran base. For US Veterans who later become entrepreneurs and small business leaders, Ready Capital is proud to offer pricing incentives on SBA 7(a) financing options.

Learn more about Ready Capital’s tenured partnership with Military Makeover, including all the families sponsored throughout the years.

RECENT TRANSACTIONS
Fitness and Recreational Sports Centers
Take- Out Construction
$1,450,000
10 Year Term
Fort Collins, CO
Full-Service Restaurants
Real Estate Purchase
$2,375,000
25 Year Term
Santa Ana, CA
Food Manufacturing
construction
$1,800,000
25 Year Term
Kenosha, WI
Couriers and Express Delivery Services
Real Estate Purchase
$1,713,000
25 Year Term
San Marino, CA
Couriers and Express Delivery Services
Business Acquisition
$1,346,000
10 Year Term
Lone Tree, CO
Freight Transportation Arrangement
Business Acquisition
$992,000
10 Year Term
Henderson, NV
APPLY FOR A LOAN

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