Business Working Capital Loans. Equipment Refinancing Sale Leaseback Equity Loans

Fast Funding

Equipment Sale-Lease-Back Funding.
Asset-Based-Loans Funding Nationwide (Since 1992)
Loans for Business, Medical, Real Estate, and Project-Funding. Provides Working
Capital. We are Specialist in Equipment Refinancing / Sale Leasebacks for Businesses.

Option "A" Equipment Refinancing. Funding $15,000 to $350,000 NO Doc's!
in most cases. Approval 3-7 banking days. Scroll down to see an Overview below

Option "B" Program. Funding $50,000 to $50 million. Equipment Sale Leaseback,
using Auction Values. Click on the Tab, top left. OR scroll down for more information

Option "C" Tangible Assets Loans $75,000 to $25 million. Structured as an Equipment-
Lease that can be Secured by a variety of Collateral: equipment, real estate, accounts
receivable, and or inventory. Loans made on Tangible Assets, NOT Credit.....

Option "A" Overview Equipment Refinancing. Funding $15,000 to $350,000
No Documents (No Tax-Returns or Financials), in most cases.
Approval 3-9 days Only a One Page Application required
No (Doc's) documentation, or tax returns

Sales tax is paid monthly, not all at once
Equipment appraisal, none required, our Vendors performs the valuation

Proprietorships are OK; any business organization structure is acceptable

Equipment pricing, is today's approximate market value No invoices required
Equipment stays put where it is, no interruption in the use of your equipment

LTV, Loan/Lease To Value, is approximately 75% - 78% of the vendor’s valuation
Terms are 36, 48, or 60 months; generally the Buy-Back is only $1.00 at end of lease

Business is to be owned 1 year, if credit is very good, 18 months some cases, or TIB of 2 years min.

Restaurants/food stores to be owned a minimum of two years, and applicants credit score of 650 or higher
No open tax liens, or bankruptcy within five years, or longer in some cases

Funding 3-5 days after approval, receipt of lease documents, and site inspection if any.
Use the money for business or personal reasons

How it works:
The applicants equipment is acquired by our Vendor with a bill-of-sale, and then the applicant leases it back. The applicant is paid cash/yield for their equipment by our Vendor. The transaction is structured as an equipment lease, to $50,000 +/-, with some applicants approved to $75,000+/- per lease, or more. Multiple subsequent consecutive leases may be available if the transaction qualifies. It depends on the strength and weakness of the applicant, company, and the amount of equipment. No Start-up business.

The approval process is quick, and less demanding than most other similar options. If a company needs more cash flow Option “A” is a quick solution to get Working Capital in a short time especially, if a company hasn't bankable P&L numbers, or they are in a hurry and need cash....

Recently funded: machine shop, auto repair, chiropractor, ceramic business, dentist, publishing company, bowling lane equipment, medical practice, publishing businesses others.....
Recently, a manufacturer of tools and dies that also provides power mental components received close to $200,000 working capital in a little over thirty days. Recently, an east coast Ford New Car Automotive Dealership found themselves in need of cash quickly, an amount of over $300,000, cash yields to the owner of the Dealership were between $49,000 to $90,000 which totaled to over $350,925 and funded in a short period of time, without having to provide business or personal tax returns, or financials, and did not have to provide cash flow schedules. Recently a corporation in CA that was not bankable… was looking for working capital and our equipment refinancing / sale-leaseback program got the client over $225,000 in a short time frame. Recently, a Chrysler Jeep New Car Automobile Dealership required over one hundred thousand quickly and our equipment refinancing program got him over $130,000 in 13 business days. Recently, an ISP (internet service provider) was looking for $300,000; the deal was structured and funded in a short time frame. Recently an AAMCO Transmission Franchise was funded and received $35,000 in about one week, about a year later they came back requesting additional expansion capital money, which was provided. We have had many, many other transactions in the past years....Since 1992.

The following equipment new or used may be considered:

Most all equipment may be used: medical equipment, chiropractor equipment, CNC machines, printing, dry cleaning, laundry, machine, metal shops, plant, manufacturing equipment, HVAC equipment, automotive repair, backhoes, forklifts, compressors, alarms, fitness, all "IT" equipment; desktop computers, notebooks, network computer systems / servers, switches routers, office automation, software, printers, scanners, copiers, monitors, telecommunications, phone systems, point of sale, cubicle stations, hardware, diagnostic machines, video, audio, security, alarm systems, manufacture plant, and shop equipment, surveillance systems, smog diagnostic machines, commercial signs, most signage, and related equipment, rehabilitation and health, landscaping, construction, restaurant, fast food, cafe equipment, excavation, industrial, tractors, construction equipment, printing equipment, dental equipment, presses, most all equipment can be used for our refinancing program.

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Unsolicited Recent Option "A" Comments for your Review:

Hello Patricia,
"We have a working capital account with (deleted) company which is not secured by equipment. We previously dealt with a broker who contacted (deleted) company on our behalf, but we found this broker had an "F" rating from the Greater Los Angeles BBB, so we ceased contact with them. One of the reasons we contacted your company is that you have no BBB complaints and an "A" rating. Thank you for your continued effort".
L. Van Hagen
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"Thanks Carl,
Allbex did this leaseback when we were turned down first at a few other places for ‘too low loan amount’ ‘too big equipment’ etc…It was handled very professionally and both the client and myself are happy! I will be using Allbex again. Your procedures ultimately made me understand how the leaseback works, the tax advantages, the two or three types of
programs and the time line".
Thank You,
A. James
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Option “B” Overview of the Sale Leaseback Program $50,000 to $10 Million
Hard Assets/Heavy Equipment Sale-Leaseback, Loans:

Credit Scores of applicant: ideal credit scores should be about 660, the lowest about 600 or above. The acceptability of a low score will be influenced by the time the applicant has owned their business, the financial strength of the applicant, the equipment, and the amount of approved equipment involved. Owners of desirable heavy equipment collateral, may permit the applicant to have a lower personal credit score, and their credit score may not be as critical in the decision to approve the applicant. However, the overall financial strength of the applicant is an important ingredient.

Bankruptcy and Liens: may be acceptable after three years, if there have been no credit derogatory since that incident, and financial status is strong and with acceptable equipment.

Applicant is to have owned: their business one year or longer, in some cases twelve, or eighteen months, or more. Less than two years requires appropriate equipment and strong financials. It may be possible to cross- collateralize the equipment for the lessee, to help secure the transaction. No start-up business.

Equipment collateral: the minimum acceptable dollar amount of an individual piece of equipment, that is submitted as collateral must have an original purchase price of a minimum of $10,000.00 for traditional equipment, and for heavy equipment the minimum is $15,000.00

No appraisal cost: provided the Auction Value can be determined off the Internet.

No upfront fees or costs: as long as the Auction Value can be determined off the Internet.

Equipment Leases: typically 50% to 70% of the auction value, which is determined by the investors.

Interest Rates: typically will be about 15% +/-, depending on credit strength and type of equipment.

Lease Terms: are 48 months and 60 months. Transactions over $500,000 are 72 months and 84 months.

Equipment: most all (Non-Hazardous/Occupation) equipment is acceptable, (No Home Based Businesses). The acceptability of approved equipment will be influenced by time in business and the overall financial strength of the applicant. The equipment must have a VIN# or a serial number. Hard assets/heavy equipment refinancing does much better in today market. This program is asset-based and strong financials are not always n necessary when the equipment is hard assets/heavy equipment.

Applicant is to complete the Business Application, and the List of Equipment forms. Upon Allbex receipt the two forms, underwriting will commence the process for a preliminary credit decision. Note, the Application and List of Equipment must be legible and without missing information, anything less then the information requested may cause the process to terminate. Find the two forms in the attachment. Fax to my Attention at our Internet fax number: 4159463307. A short time after Allbex receives the application and the equipment list(s) from the applicant, they will be notified of their approval to proceed to an anticipated funding, or their application will be declined.

Assuming the application and list of equipment are acceptable and preliminary approved, the following information will be required to commence with final approval and subsequent funding.

1) Two years most current business tax returns signed by applicant.

4) Three months most current business bank statements, first consolidated page is sufficient.

To request information on our Option "B" Program and to receive an application, please complete a short inquiry e-mail below. You will be e-mailed the information
and the application within a few hours of our receipt of your inquiry.

Need Working Capital?.... Equipment Collateral/Asset Loan Provides Quick Cash.
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INQUIRY FORM (An application and information will be e-mailed to you within a few hours of our receipt)

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Option "C" Overview of our Tangible Asset Loan Program Loans: $75,000 to $25 million.

Tangible Assets Loans Structured as an Equipment
Lease that can be Secured by a variety of Collateral: equipment, real estate, accounts receivable, and or inventory.
Loans made on Tangible Assets, NOT Credit.....What is important to us is Collateral: not Credit Scores, not the
Time you have Owned your business, not Debt Ratios, not the Use of Funds.... use the funds for Business, or for
Personal reason Transactions can be structured as equipment sale lease backs on equipment owned and secure
the transaction with real estate, or buy equipment the borrower/lessee wants that no one else, no other lender will
approve. Asset loan/leases can be secured by a variety of collateral: equipment, real estate, accounts receivable,
and/or inventory.

Loans-Leases are made on Tangible Assets

* Approval of your Loan is NOT contingent on:
* Owners personal Credit Scores
* The time you have Owned your Business
* Debt Ratios
* Use the Funds use the funds for Business, or for Personal reasons
* What is important to investors is Tangible Collateral
* Transactions are structured from $75,000 to $500,000 However,
these deals must be secured with additional real estate assets.
* Transactions structured from $500,000 to $25,000,000 may be secured
by an assortment of collateral: equipment, real estate, accounts receivable, and inventory.

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Broker/Consultants/Affiliates:
If you are interested in representing our Funding Programs, send us a request for the Broker / Affiliate Registration Form.
Send Inquiry to: allbexfinancial@sbcglobal.net Attn: New Business Manager,
Or use one of the Inquiry forms above to request a Registration Form,
include your full Contact information, and your website address.

Equipment Lease Back Funding (Since 1992)
Newport Beach, CA 92663
Fax: 415-946-3307 (Internet Fax)
E-mail: allbexfinancial@sbcglobal.net

(C) Copyright 1992 - 2010 All Rights Reserved
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"BUSINESS GLOSSARY"

"A" credit customers:
Consumers with impeccable credit, who can obtain a loan from traditional lenders.

Acceleration Clause:
Language in a lease that secures payments for the full term of the lease.

Accounts Payable:
The amount of money a company owes for goods and services it has received; any outstanding debt that a company has.

Accounts Receivable:
A collection of a company's outstanding invoices (invoices which have not yet been paid by the company's customers).

Accounts Receivable Aging Report:
A report showing how long invoices from each customer have been outstanding.

Advance Rate:
The percentage of the face amount of an income stream that a funding source will advance to a client.

Amortization:
The gradual, systematic payment of a debt, such as a mortgage or other loan, in installments of principal and interest for a definite time, so that at the end of that time, the debt will have been paid in full.

Articles of Incorporation:
A document filed with a U.S. state by the founders of a corporation. After approving the articles, the state issues a Certificate of Incorporation; the two documents together become the Charter of Incorporation.

Asset:
Anything having commercial or exchange value that is owned by a business, institution or individual. A business' assets might include its real estate, equipment inventory, intellectual assets such as copyrights or trademarks, and accounts receivable.

Assignability:
The ability to assign (or sell) an income stream to another individual or business.

Assignee:
The person or business entity who is given, obtains, or buys the right to an asset.

Assignment:
The transfer of the rights, title or interest of any debt instrument that is properly owned by another party.

Assignor:
The person giving or selling an asset, and subsequently, forfeiting rights to that asset.

"B" through "D" credit customers:
These consumers have less than perfect to bad credit and usually cannot qualify for traditional financing. Also called sub-prime credit customers.

Bad Debt:
Any debt that is delinquent and has been written off as un-collectible.

Balance sheet:
A financial statement that shows a business' current financial condition, with assets on the left side and liabilities and net worth on the right side.

Balloon:
The balance of principal that is due and owing in its entirety at a specified point in time, but in any event, less than the time required to fully amortize the debt.

Bankruptcy:
A state of insolvency of an individual or organization. The inability to pay debts.

Beneficiary:
The person or party entitled to receive the benefits, or proceeds, of the life insurance policy upon the death of the insured person.

Bill of Sale:
A document used to transfer the title of certain goods from seller to buyer.

Business-based income streams:
Cash flow instruments that are paid to a business by another business or government.

Cash flow:
The flow of cash through a business or household. In business terms, cash flow involves the flow of cash into a company in the form of revenues, and out of the company in the form of expenses.

Cash flow broker:
Professional whose primary purpose is to unite income stream sellers with funding sources. They may operate as referral sources or as the primary liaison for cash flow transactions.

Cash flow industry:
The buying, selling, and brokering of privately held debt in the secondary marketplace; the marketplace where businesses and individuals get help managing their cash flow needs.

Cash flow instrument:
Future payment or series of payments. Also called a debt instrument or income stream.

Cash flow specialist:
A cash flow professional who brokers cash flow transactions or buys cash flow instruments.

Cash flow transaction:
Occurs whenever a funding source pays cash to an individual or business in exchange for an income stream.

Chattel mortgage:
A mortgage on personal property, given to secure a debt. Typically used in the sale of a business. Also called a security agreement.

Collateral:
Something of value (land, a home, a car, etc.) that is pledged as security to ensure the payment of a debt. Collateral is promised to a lender until a loan is repaid. If the borrower defaults, the lender has the right, by law, to seize the collateral.

Collateral-based income streams:
Cash flow instruments that are secured by collateral.

Collectibility:
Refers to the funding source's ability to collect future income stream payments once they are purchased.

Commission:
Fee paid to a broker for executing or referring a cash flow transaction.

Consumer-based income streams:
Cash flows in which the party that owes payments is a consumer, a private individual.

Contingency-based income streams:
Cash flows in which the recipient is not necessarily legally entitled to receive payments, or in which the amount of the payment is uncertain or contingent upon outside factors.

Corporation:
A legal entity, chartered by a U.S. state or the federal government, and separate and distinct from the persons who own it. It is regarded by the courts as an artificial person; it may own property, incur debts, sue or be sued.

Creditor:
One who is owed payments on a debt by a debtor.

Debt instrument:
Future payment or series of payments, or a debt that one party owes to another party. Also known as income streams or cash flow instruments.

Debtor:
One who owes something and makes payments to a creditor.

Default:
The omission or failure to perform or fulfill a legal duty, obligation, or promise (i.e. to pay a debt).

Due diligence:
Exhaustive research on a transaction, income stream, client, and/or payor. Due diligence may involve credit checks, appraisals, UCC searches, lien searches, or on-site visits with clients.

Equity:
The value or interest an owner has in property over and above any indebtedness owed on the property.

Escrow:
The system or process by which money documents, personal property, or real property is held in trust for another party by a disinterested third party until the terms and conditions of the escrow instructions are completed or terminated.

Face value:
The current principal balance on an income stream.

Factor:
A funding source that specializes in funding accounts receivable.

Factoring:
The purchase of a business' accounts receivable at a discount.

Fictitious name:
A legal statement filed when a person uses a name other than his or her own to operate a business.

Foreclosure:
A legal proceeding in court to seize property given as security for a debt that is in default.

Funding source:
An individual investor or an investment company that buys income streams.

Government-based income streams:
Cash flows paid by a government entity, either directly or through an insurance company.

Hypothecation:
Borrowing funds from a lender, investing those funds in a debt instrument, and giving the lender a security interest in the debt instrument as the collateral for the loan.

Income stream:
A future payment or series of payments, or a debt that one party owes to another party. Also known as a debt instrument or cash flow instrument.

Institutional lenders:
Savings and loan associations, local and regional banks, mortgage companies, finance companies, and commercial lenders.

Insurance-based income streams:
Cash flows stemming from insurance companies and paid to individuals or businesses.

Intangible personal property:
Something that has value but is not a tangible asset, for example, a trademark, copyright, patent, or trade secret.

Investment-to-value ratio:
A measure of how secure a creditor's position is and how likely the creditor is to recoup all of his or her money in the event of a foreclosure.

Joint venture:
A business entity established for a specific task, operation, or goal.

Leverage:
The ratio of debt to total assets.

Loan-to-value ratio:
A measure of how heavily mortgaged a property is and how likely the owner is to default on his or her debts.

Marginal credit customers:
Consumers who may have had some slow pay problems, but generally pay their bills.

Market value:
The price at which a ready, willing, and informed person would buy something; the price property would command in the current market.

Mortgage:
A written instrument that creates a lien by pledging real property as security for a debt.

Notice of Pre-lien:
A document notifying the owner of real property that materials or services are being furnished to his real property, putting him on notice that the one sending it will look to have a lien against the real property if those materials or services are not paid for.

Owner financing:
A type of financing in which the seller of a tangible item accepts a promissory note as a portion of the purchase price. Also called seller financing.

Partnership:
A common form of joint ownership of a business.

Payee:
Person or business that has the right to receive a payment or series of payments and is interested in selling that income stream for cash. (Also called the seller or client.)

Payor:
The person, company, or government responsible for making payments on an income stream.

Partial:
Any part of a payment stream that is less than the full amount due.

Personal guaranty:
A contractual agreement between a funding source and a seller, whereby the seller assumes personal responsibility and liability for the obligations of the income stream.

Portfolio:
A group or package of income streams of the same type.

Privately held:
Owed to a private individual or business rather than to a bank or other financial institution.

Profit and loss statement:
A financial statement that shows a historical record of a business' income and expenses.

Promissory note:
A written promise to pay a specified amount to a specified party over a certain period of time.

Real property:
Real estate.

Reserve:
An amount a funding source holds in its account to cover potential payment defaults. After a certain time period has passed, the funding source rebates the reserve to the client less any fees or charges for delinquency. Also called a bad debt reserve.

Satisfaction:
The discharge of an obligation by paying a party what is due (i.e., the satisfaction of an IRS lien or the satisfaction of a mortgage).

Seasoning:
The length of time payments have been made on a note or other debt instrument.

Secondary market:
The marketplace where individuals and businesses can sell privately held income streams to funding sources for cash.

Securitization:
The bundling and resale of debt instruments to investors; permitted only for parties licensed and regulated by the SEC.

Security interest:
An interest in property, other than real estate, which is given as security for a debt or other obligation. A security interest is created by execution of a security agreement and one or more financing statements under the Uniform Commercial Code.

Seller:
The person or company that is holding a debt instrument and wants to sell it.

Servicing:
The collection of payments of interest and principal, and trust fund items such as fire insurance, taxes, etc., on a note by the borrower in accordance with the terms of the note. Servicing by the lender also consists of operational procedures covering accounting, bookkeeping, insurance, tax records, loan payment follow-up, delinquent loan follow-up and loan analysis.

Sole proprietorship:
A business owned and operated by an individual.

Subordination:
The act of a creditor acknowledging in writing that a debt due him or her by a debtor shall be inferior to the debt due another creditor by the same debtor.

Tail:
The payment stream and/or balloon payment of an income stream subsequent to another party's right and interest in the income stream. Usually the back half of the payment stream when another party has purchased the front half.

Tangible personal property:
Personal property other than real estate, such as cars, boats, or other assets.

Time value of money:
Concept that addresses the way the value of money changes over a period of time.

Title commitment:
A commitment on the part of the insurer, once a title search has been conducted, to provide the proposed insured with a title insurance policy upon closing.

Title insurance:
Title insurance can benefit either the payor or the payee. Should the beneficiary suffer any damages due to clouded or false title to real estate, title insurance recompenses the damaged party to the extent of the damages.

Title policy:
An insurance policy that insures a party against loss due to a defective title.

Trial balance printout:
A spreadsheet that lists all loans in a portfolio and their payment schedule. Usually required for a portfolio transaction.

Uniform Commercial Code (UCC):
Standardized set of guidelines protected by law that set down how business transactions must be conducted.

Unseasoned:
A lease or note that has had few, if any, payments