Graham Financial Associates

Loans arranged for qualified individuals and businesses. Borrow in confidence thought a worldwide network of prestigious financial organizations; Competitive Rates and Terms. Quick, Convenient, Confidential Service from experienced money professionals for FREE information and a no obligation analysis.

REAL ESTATE LOANS

Takes into account all loans secured by a mortgage or trust deed on real estate whether residential or commercial, refinance or new purchase. Includes 1st & 2nd mortgages. Maximum loan-to-value ratio for owner occupied in most cases is 80%. Maximum non-owner occupied 70% - must cash flow, (debt service supported by rental income).

PERSONAL LOANS

Loans made to individuals for personal use like; debt consolidation, vacation, etc. Generally on signature with no collateral required. Must have good credit+earnings to qualify or collateral may be required.

BUSINESS LOANS

Loans made to businesses for expansion or other ordinary and necessary business expenses. Made to existing businesses, (3 years min. in business), that can demonstrate viaability and profits. Start-up businesses with no history must seek financing from Venture Capitalists or secure the loan personally with stocks, property or other assets.

NEW EQUIPIMENT LEASES

Leases made to businesses for new equipment or vehicles. Some auto leases to individuals. Allows for the use of the equipment leased for a specific period of time.

SALE-LEASEBACK

Takes into account the purchase and subsequent Leasing back of used business equipment and furnishing. This unusually creative type of financing depends on your client's income and tax bracket. Primarily restricted to physicians, dentists and other high earning professionals and some businesses.

ACCOUNTS RECEIVABLE FACTORING OR ADVANCE

Businesses who extend credit for goods or services are advanced money secured by pledging the receivables owed to them.

PURCHASE ORDER FINANCING

Cash advanced against a written order, (Purchase Order), for business goods or services to be delivered or performed.

GOVERNMENT CONTRACT FINANCING

A monetary advance against a written government contract for services to be performed or goods to be manufactured and/or delivered.

DISCOUNT MORTGAGES

Cash purchase of a note secured by real property. Includes mortgages, trust deeds, and in some cases WRAPS and land contracts.

Please don't hesitate to contact me for a free analysis of your borrowing needs and if you have any questions!

We are specialists in serving the financing needs of entrepreneurs, new businesses and existing businesses throughout the United States and internationally. We are in contact with numerous lenders willing to fund any projects that most conventional lenders will not handle.

We will utilizes its extensive network of resources to help achieve our clients' objectives. Our database consists of money managers, pension funds, banks, insurance companies, mutual funds, hedge funds, venture capital firms, off-shore funds and numerous accredited individual investors who know us and value our recommendations.

We also, act as a business broker for people and companies that want to purchase or sell businesses.