StatesidePrivateCapital.com

GerenTeam Capital, Inc.   Menu of Finance Products/Programs

Priority Programs (Updated May 16, 2022):



Line of Credit up to $250,000 (Unsecured/no collateral required)

     1.  Approvals in hours, access to LOC next business day

     2.  Monthly or Weekly payments...borrower chooses

     3.  True LOC: only pay interest on funds drawn & No prepayment penalty

     4.  Soft credit inquiry for approvals...no negative impact on your score

     5.  Credit score:  650 minimum

     6.  1 year in business & monthly deposits of $20,000+

     7.  Available in all states except:  NV  ND  SD

     8.  Simple 1 page app & last 3 months of business bank statements

GerenTeam Capital is pleased to announce we now have a Nationwide FDIC banking relationship:

     1.  Competitive rates for all commercial loans for bankable clients

     2.  SBA loans delivered faster than their competitors

     3.  The BEST equipment loans in the Nation (15 staff professionals)

     4.  A real bank that focuses on delivering the best in customer service





Small Balance Low Doc Commercial Lender who is Publicly Traded

    1.  This DIRECT lender is publicly traded on the NYSE 

    2.  Nationwide lender

    3.  Low Doc Lender:  No individual or corporate tax returns

    4.  Debt service capacity of borrower based on current leases

    5.  Loan amounts from $100K to $5MM

    6.  Credit scores as low as 600

    7.  Property Types:  Investment Resi - Office - Multifamily - Mixed Use

             Retail - Self-storage - Warehouse - Automotive

The Market's most competitive 30 year fixed, low-doc rental property mortgages:

    1.   Rates in the 7% to 10% range 

    2.   Low-Doc:  No tax returns nor Financials

    3.   Property must be rented…the lease is used for debt ratios

    4.   Purchase and Rate & Term Refi’s up to 80% LTV

    5.   Cash-out Refi’s at 75% LTV

    6.   Minimum property value of $100,000

    7.   620+ credit score

    8.   Close in 3 weeks if appraisers aren’t over-booked

    9.   Excellent for refinancing recently rehabbed property

          (properties owned less than 6 months may increase rate)

Nationwide Unsecured Business Loan with FLEXIBLE monthly payments

   1.  Time in business:  12 to 18 months is the minimum     

   2.  Annual Revenues of $500,000 or greater

   3.  Loan Amounts:  $50,000 to $1,000,000

   4.  Capital Purpose:  Business Growth (some debt consolidation)

   5.  Communites of Color, Women, Veterans, LBGTQ+ & Empower Zones

   6.  Monthly payments are flexible & adjust to company cash flow (unique)

   7.  Profitable, break even or companies with clear path to profitability

   8.  Consistent revs from contracts, subscriptions, services preferred



Fix & Flip or Hold Lenders:  The 3 best in the Nation

1. To qualify for 100% financing must have track record and 600+ credit
2. All 3 are DIRECT lenders that are heavily capitalized by private equity firms
3. Most operate Nationwide, a couple have a few state exceptions
4. When you have a POF from these lenders, it's like making a cash offer
5. Loan amounts from $75K to $5MM
6. One lender allows for deferred interest payments
7. Some lenders do not charge interest on construction funds until drawn 
8. Quicker closings than banks...2 to 3 weeks

Hybrid Business Loan with Collateral (Niche Product)

1. Qualified Real Estate:  ALL Types (except land) including Gas Stations, Truck Stops, Auto Repair, Quick Lube, Tire Shops, Dry Cleaners, Hotels/Motels, Office, Retail, Residential (Non-Owner Occ), C-Stores, Liquor Stores, Bars/Taverns, Smoke/Vape Shops, Fast Food QSR Restaurants, etc.
2. Up to $3,000,000 – Monthly Payments – Interest Only – 14% to 18%
3. Nationwide
4. LTV’s are aggressive:  as high as 80% on a Refi and 85% on a Purchase
5. Debt Coverage Ratio 1.075% (recent tax return & P&L must confirm)
6. Closings in 2 to 3 weeks

Have a Need for a Fast Real Estate Closing or a "Difficult" Property?

1. This DIRECT Lender can close a real estate loan in 5 business days!
2. Loan amounts from $100K to $12MM
3. First lien at 65% LTV
4. In Deed of Trust, Non-Judicial Foreclosure states (24...ask for list)
5. "Outside the Box Deals":  Workouts/Bailouts; Gas Stations; Churches; Gentlemens' Clubs; Cannabis/CBD/Hemp; 1031 Exchanges; Probates and Trusts; Properties in Receivership; Multi-State Cross Collateral OK



Hard Money Real Estate Loans

1. Direct Lenders Nationwide from $100K to $50MM
2. Existing Investment & Commercial Properties preferred with tenants
3. Exit Strategy is the KEY!  Will you Refinance or Sell to pay of the Lender?
4. Not for land or new construction developments

Clients Seeking to Acquire Businesses in the $5MM+ Range

     1.  Midwest Finance Business such as a Profitable Private Lender

     2.  Midwest Small Neighborhood Bank

Cash Buyers for Off-Market/Value-Add Real Estate Properties

1. Nationwide 
2. $3,000,000 to $100,000,000+
3. All Cash Fast Closings require Discounts & Motivated Seller
4. Office - Multifamily - Mixed Use - Hospitality - Strip Mall - Student Housing

Three Niche Loan Products that operate "below the radar"...request details

      1.  Borrower against "Trapped Equity" in Real Estate Limited Partnerships                2.  Secure a $1MM+ Second Mortgage (commercial real estate 65% CLTV)                3.  $5MM+ LOC secured by UPREIT-OPU non-marketable securities

Cannabis Real Estate & Business Loans

1. Both real estate secured and unsecured cash flow based loans
2. Also used as collateral:  Accounts Receivable, Equipment & Inventory
3. Up to $4,000,000 per transaction
4. Acquisitions considered if Buyer contributes significant capital
5. Asset Based/Secured Loans:  Monthly Interest Only Payments 16% to 19%
6. Cash Flow Based Loans:  Weekly or Bi-Weekly Payments at 20% to 40’s%
7. Nationwide and all categories within industry (CBD, Recreational, Medicinal, Agricultural, Retail)



Lines of Credit Secured by Marketable Securities...Higher LTV's

1. $50,000 to $5,000,000 Nationwide
2. Secured by “Marketable Securities” ($5+ Stocks, Bonds, CD’s, etc)
3. Some 401K exceptions due to CARES Act during COVID pandemic
4. Higher LTV’s than many Broker-Dealers
5. Promotional Rates:  As low as 1.25% up to 4.25% for Revolving LOC

Farm & Agriculture Loans

1. Nationwide lending coop with local offices throughout the U.S.
2. One program is offered by a Chicago based business associate I have known and trusted for decades
3. This is a Bridge Loan for Farmers who currently can’t tap into their traditional capital sources
4. Land with equity offering a 1^st Lien position is the required collateral
5. Loan Amounts ranging from $500,000 to $5,000,000 (larger case by case)
6. Collateral:  Productive cropland in the Midwestern U.S.
7. Up to 65% LTV - Up to 3 year Term - Interest Only – 7% to 9% per Annum
8. Great product for BOTH Farmers and their Lenders seeking to monetize an existing loan



Hybrid “Secured Advance” (not a loan) With or Without Collateral (New & Niche)...2nd Liens OK

1. Business Revenue Based (minimum $6,000/mo. In bank deposits)
2. Not credit based – all credit scores accepted – “Character” is more important (full disclosure of debt and any credit issues by Client will make or break a deal)
3. This funding is an Advance on Future Income (not technically a loan)
4. Underwriting is “Common Sense” based…will funding achieve borrower’s goals without creating crippling debt service that hurts the company instead of helps it grow
5. Payments:  Weekly, Bi-Weekly or Monthly - early payoff discounts possible
6. Terms:  9 Months to 10 Years
7. 2^nd Liens are Acceptable with the Combined LTV limits in #8!
8. Collateral Types & LTV’s & CLTV's:  Commercial/Residential Real Estate 85%; LAND 78%; Large Scale Equipment 88%; Autos 66%; Watercraft & RV’s 40%
9. Rates:  Typical Unsecured Merchant Cash Advance rates (20’s to 40’s)



Invoice Financing: 

Spot Invoice Financing or Financial Instruments secured by long term invoice relationships

COVID Recovery Program...Interest Free Business Loan - No PrePay - Up to $50K

1. One year term, 52 equal payments of pincipal
2. Requirement:  Allow lender to offer savings on credit card processing
3. No cost analysis...if we can't save you money, your current processor wins
4. When we win, you save money and earn an interest free loan!
5. Request a link to an application...we will close in a couple of days
6. We will review 3 months of credit card processing statements
7. Let us prove we can save you money & give you an interest free loan!