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Tailored Funding Solutions for Your Business

Cumberland Financial partners with you—the small and medium-sized business owner—to help you secure the capital you need to start, sustain, and grow your business.  Not every business has the cash flow, credit, and collateral necessary to quickly and easily secure required capital.  For those that do not, we can help.  When you partner with Cumberland Financial, your funding challenges become our funding challenges, and we’re uniquely positioned to design tailored solutions to meet your current and future funding needs.

Whether you’re looking for a simple business term loan or line of credit, or looking to restructure debt and expand your business, Cumberland Financial has a funding solution that meets your needs.

Types of Funding

Cumberland Financial offers a broad range of business lending and commercial financing options for your company.  Below are just a few examples of the loan products we can provide for your business.

Commercial Real Estate

Commercial real estate financing covers a wide array of loan facilities designed to finance commercial property.  Our programs assist small businesses, investment property owners, corporations, real estate developers, and commercial construction firms.  If you need commercial real estate financing, regardless of the size of your project, we can help.

Bridge Loans

Bridge loans provide interim financing until permanent or longer-term financing is obtained.  Bridge loans allow current financial obligations to be met by providing immediate cash flow.  Bridge loans are typically more expensive than the pending permanent or longer-term financing.  If your business has a need for interim financing, we can help.

Term Loans

Purposes of term loans include working capital, operating expenses, business expansion, etc.  Business term loans are generally straightforward, with the funds borrowed repaid over a fixed duration with a fixed or adjustable interest rate.  Business term loans generally have lower costs and permit higher borrowing amounts, but loan qualification requirements are typically more stringent.  If your company needs a business term loan, we can assist.

Equipment Financing

Equipment financing is the use of a loan or lease to purchase or borrow hard assets for your business.  The hard assets include machinery, computers, furniture, vehicles, etc.  Because the assets serve as a kind of collateral, equipment financing tends to be a lower-risk and more cost-effective way to acquire equipment as opposed to other forms of financing.  We can assist with your equipment financing needs.

Merchant Cash Advances

An alternative to traditional business financing, a merchant cash advance (MCA) provides immediate capital in exchange for a percentage of future credit card sales.  Typically, MCAs are repaid on a daily or weekly basis and the financing company takes the payment automatically from the business’s payment processor.  In this way, repayments are based on your sales; if you experience lower sales, your payments will also be lower.  Contact us if you think your business could benefit from an MCA.

Fix-n-Flip Loans

Fix-n-Flip loans are short-term, real estate loans designed to help an investor purchase and renovate single- or multi-family properties in order to sell for a profit.  Most fix-n-flip loans are hard money loans used to purchase residential properties at auction or foreclosure, finance renovations and upgrades, and cover other expenses associated with the short-term ownership of the property.  We have several loan options to help with your fix-n-flip projects.

Invoice Factoring

Factoring invoices involves a business selling its accounts receivable invoices, or the amounts owed by customers for goods and services the company has sold to those customers, to a factoring company at a discounted price.  Because it is an outright sale of the receivables, the borrower is no longer responsible for collecting payment for the invoices, as the amounts are instead collected by the factoring company.  This allows the company to be paid much sooner for their invoices, providing needed cash.  If you think your company can benefit from selling its account receivable invoices to a factor, we can help.

SBA and USDA Loans

SBA and USDA government-backed loans are those originated by banks and backed by the Small Business Administration (SBA) or the US Department of Agriculture (USDA).  Loans are obtained through a bank, but in the event of default, a portion of the loan is guaranteed by the government.  SBA loans may be used for several purposes, including purchase of new equipment, commercial mortgages, and refinancing debt.  USDA loans are similar to SBA loans, but with a focus on promoting small businesses and creating jobs in rural communities.  SBA and USDA loans generally have better rates, but the loan origination process is typically lengthier.  We can help you navigate the SBA or USDA loan process.