A Business line of credit or term securitized by a company's accounts receivables. This is an ideal product for businesses with corporate clients and/or long payment cycles.

Loans ranging between $5000 to $50,000 for start ups. Loans between $50,000 to $250,000 for the businesses which are 2 years or older.

Generally public business banks have greater capital cushion and can afford to lend at lower rates than private lenders.

A floating rate on a business loan converted into a fixed rate takes advantage of imminent rate decreases while giving the borrower an opportunity to lock in a low rate after a period of one to two years.

According to SBA standards, seller financing can substitute around 10 percent of the down payment.