Commercial Finance Services

Are you the owner of a small business and unable to access ready financing from local banks and traditional lenders? If so, we can help!

At GARCIA N' ASSOCIATES LLC, we are experts at accessing the growth and working capital your business needs utilizing the various methods and popular areas of alternative commercial finance such as...

Commercial Factoring: Factoring is a powerful method of financing accounts receivable for those businesses operating B2B. Factoring is available to even the newest entrepreneurs and is utilized worldwide. Factoring is now recognized as a "vital" method of small business finance by the world's central banks.
Asset-Based Revolving Lines of Credit: ABL Revolving Lines are utilized by creditworthy but non-bankable businesses to finance accounts receivable, inventory, and equipment. ABL Revolving Lines are utilized by larger companies with at least three (3) years of operating history.
Merchant Cash and ACH Cash Advances: Merchant and ACH Advances are often structured as short-term loans (8-13 months) and are collateralized by the future cash or credit card retail sales of a business. They are often used for business expansion by restaurants, convenience stores, small retailers, fitness clubs, etc. when bank lending is not a possibility.
Small Business Administration Loans: Though SBA Loans are actually bank loans made with an SBA credit enhancement, they are only available to those business owners unable to obtain a traditional commercial term loan or line of credit. At GARCIA N' ASSOCIATES LLC, we work closely with several of the nation's primary SBA intermediaries and can assist you in securing this exceptional method of business finance when required.
Purchase Order Finance: Though commonly associated with cross-border sales of goods and Pacific Rim contract manufacturing, purchase order finance is just as capable when it comes to financing product sales domestically. Contact us to discuss utilizing purchase order finance to make your large orders from creditworthy retailers happen!

Request a Confidential Proposal from a GARCIA N' ASSOCIATES LLC Underwriter

Our capabilities to finance your small business with alternative commercial finance products is expansive. Can your small business qualify?

The best way to determine the right course to finance your small business when traditional bank lending is not an option is to speak with one of our courteous underwriters.

To request a confidential analysis of your company's needs, simply click the QUOTE BUTTON below to download and complete our short PDF application. Once completed, simple scan / email or fax the application to our offices.