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Own Your Own Finance Company®
"Funding Solutions"
You will have all of the funding solutions to fulfill any small or medium businesses or real estate investors needs
As Seen On
Global Offers You the Most Comprehensive Variety of Loan Programs and Financial Instruments with More Variations than Any Other Firm in the Industry
Global’s program is structured to uniquely solve nearly any commercial financing need. We have organized our curriculum into an easy to understand set of "core loan products" that allow you to easily answer a client's needs immediately while having the flexibility to customize the loan instrument to suit the exact situation. An example of a "core loan" would be commercial real estate lending but there are many variations such as fix & flip, hard money, SBA loans, etc. With over 30 "core loan products" and literally hundreds of variations on those products you will be far better positioned to solve your clients' financing needs than even the largest banks in America. In fact, you will have a notable advantage over banks, as they MUST turn away 90% of their applicants due to stringent banking regulations that don't affect you.
The list below provides a sampling of loans, their typical size, and the commissions you can earn from each. It's very impressive. Understand that it represents a fraction of what you will have to offer. Think through the size and scope of the opportunity facing you, whether you are making small loans of around $25,000 or large Mega-Loans in the multi-million dollar range, with commissions up to 15%, you can earn a great deal of income.
Commercial Real Estate Loans
Many real estate investors need financing for income-generating properties. Such properties could include multifamily, retail, office, self-storage, mixed-use, hotel, motel, warehouse, mobile home parks, and many more… Regardless of credit, you will be in the position to offer a number of solutions that many traditional banks can’t and don’t offer. Your finance company will be able to offer a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of your borrowers.
Typical commission: 2-3% of the loan amount*
Typical transaction size: $250,000 - $50 million+
Typical approval time: 24-72 hours
Commercial Real Estate Development Loans
Banks typically are not willing to finance real estate development projects due to the high associated risk. That means that easily 50-70% of applicants for these types of loans must seek alternative solutions when they are turned down by banks. These projects are usually large (up to $175M) and yield very large fees to the loan broker. Global teaches many alternative methods of satisfying this growing need with a variety of loan types ranging from debt/equity, balloon payments, negotiable amortization schedules, and interest-only solutions. We show you how to target these developers who are in need of solutions every day.
Typical commission: 1-3% of the loan amount*
Typical transaction size: $5 million - $100 million+
Typical approval time: Up to a month
Owner-Occupied Real Estate Loans
A lot of business owners are tired of paying exorbitant rents to house their businesses. If they want to buy a building and they go to their local banks, the banks usually want a down payment of 30-35%. In addition, if they need to fix the property the bank will not finance the rehab costs. We can finance owner-occupied properties with only 10% down and 0% down on the rehab costs and give them a fully amortized loan with a 25-year term.
Typical commission: 2-4%*
Typical Transaction size: $200,000 - $5 Million
Typical approval time: 24-48 hours
SBA Loans
SBA loans are probably the most misunderstood loans. Most people think SBA loans take 6 months to complete. Our lenders approve SBA loans in less than 4-6 weeks! They are the most convenient way for a small business to obtain financing and our SBA sources are the finest in the industry providing superior approval rates and quick closings.
For business-owners; the loans can be used to purchase a business or buy a building that a business-owner is currently paying rent on. They can get working capital, new equipment, or refinance existing debt…all with very little money down.
For medical professionals; they can buy a practice or expand their business, buy a building or renovate it, get working capital or equipment with NO MONEY DOWN.
SBA loans are the best and most economical way to finance franchises and hundreds of franchises are already pre-approved. Doing a loan with the SBA or through a local bank can be tedious and time-consuming and your clients will be delighted to have your assistance in this area. You will be able to “cut through the red tape” for your client and help them navigate this sometimes complex process and that means more business for you.
Typical commission: 1-3% of the loan amount*
Typical transaction size: $200,000 - $15 million
Typical approval time: 4-6 weeks
Church Real Estate Loans
Most banks do not want to touch real estate when it comes to churches. We have a funding solution for churches who wish to purchase, refinance, or construct the real estate that a church would have, regardless of credit. Terms are very aggressive with rates as low as 4.35%- 6.25% fixed for terms of 5, 7, and 10 years with a 20-30 year amortization with the loan being non-recourse.
Typical commission: 1-3 points*
Typical transaction size: $150,000 - $50 million
Typical approval time: 24-72 hours
Commercial Bridge and Hard Money Loans
Many times a company is approved for a loan at their bank or financial institution, but the loan will not close for 4-6 months, and they need the money sooner. During that time, you can provide a short-term or “bridge” loan, which is paid when the senior loan closes so they can satisfy their capital needs immediately. You can also provide loans to businesses that have run into hard times and need some working capital, pay tax liens, or for any other purpose. In today's hot entrepreneurial marketplace this is the perfect solution for companies "in-between" financing rounds eager to use working capital to meet investor expectations.
Other times a project is near completion and need short term funds to finish the job. Importantly, the loan is not based entirely on the client's credit but rather the assets of the project. These loans can be quite large and are able to close very rapidly.
Typical commission: 3-5% of the amount financed*
Typical transaction size: $100,000 - $100 million+
Typical approval time: 5-7 days
Fix and Flip Loans
Investors all over the country are buying up distressed real estate at bargain-basement prices and rehab-ing them and flipping them for great profits. This is called a fix and flip. Investors are also buying these properties and holding them to rent them out. This is called the fix and hold. Banks are not financing these projects because they require short term financing and many of the investors have poor credit. Our lenders can finance up to 90% of the purchase and 100% of the rehab.
Typical Commissions: 2-4% of each project*
Typical transaction size: $75,000 - $2.5 million
Typical approval time: 24-72 hours
Factoring and Accounts Receivable Financing
All businesses and professionals (Manufacturers, Doctors, Lawyers, Specialists), whether they sell merchandise or perform a service, usually wait 90-120 days to get paid after they send an invoice. This creates a cash flow shortage in their business or practice. You will be able to provide a line of credit of up to 90 % of the invoice, so they have the cash flow they need to pay suppliers, payroll, rent, etc.. You can do start-ups or established businesses. More importantly, you will receive ongoing residual income each month for the life of the loan.
Typical commission: 2-3% of the initial line of credit*
On-going income (10-15% of the lenders profit) each month for the life of the loan*
Typical transaction size: $50,000 - $30 million
Typical approval time: 24 hours – 1 week
Purchase Order Financing
When a manufacturer receives a valid order from a customer they must finance the production of those products. Often times they must pay for raw materials, shipping, and handling long before an invoice is ever issued.
The manufacturer presents the valid purchase order from the customer and our lenders approve the production costs based on the final "buyers" credit worthiness. This is especially good for companies that are growing rapidly and have been accepted by major retailers and chains.
This loan type is especially good for you as it is on-going and many of the traditional solutions, like banks, are making it more difficult to secure financing.
Typical commission: 10-15% of the lender's profit each month*
Transaction size: $10,000 - $1,000,000+
Typical approval time: 48-72 hours
Inventory Financing
Often business owners need to finance their inventory before it’s sold. The banks will not finance companies for inventory unless they have a proven record of profitability and have been in business for at least 7-8 years. Our lenders can provide inventory financing for companies that have only been in business for a couple of years. They also will finance companies that are not yet profitable but have good cash flow. This type of financing is typically coupled with accounts receivable financing, and you make commissions on both of them.
Typical commission: 10-15% of what the lender makes*
Transaction size: $10,000 - unlimited
Typical approval time: 48-72 hours
Equipment Leasing
It is estimated that U.S. companies finance more than $900 billion in equipment. This is by far the largest growing segment of financing in the country. Businesses of all kinds lease equipment to conserve their cash reserves enabling them to use their funds for other business needs such as purchasing more inventory, expanding, etc. This is NOT considered a loan therefore it does not reduce available credit elsewhere, giving you more borrowing power.
You will work with private customers, companies, and vendors that sell the equipment. In most cases, the vendors who sell the equipment needs you more than you need them. You are giving these vendors a finance program to offer to their customers, which translates into more sales. This is tremendously important. These vendors must finance through people like yourself because bank approvals are very difficult. Many of your lenders will offer 100% financing, no down payment, and a wide range of approvals for A, B, C, and D type credits with approvals in less than 24 hours. You can fund deals up to $150,000 with just a one-page application. These “App Only” deals do not require financials or tax returns making them very easy to turn over quickly.
If you have 5 vendors set up with your company, you will have enough residual ongoing business from these sources to put you in the six-figure income category. Every industry needs equipment financing so the sky's the limit. For example, today the need for additional construction equipment is skyrocketing due in part to growth but also in part to rebuilding after natural disasters and the more than $1 trillion to repair infrastructure in the country. Contractors are only one of the many that need financing solutions such as this.
Typical commission: 6-15% of the amount financed *
Transaction size unlimited: Typical amounts: $10,000 - $500 million+
Typical approval time: 24-72 hours
Sale and Leaseback Programs
Companies are always looking for additional working capital. Most companies don’t realize they have a source of capital sitting in their business in the form of machinery and equipment. You will be able to determine the existing equipment they own, finance it so they have working capital, and give them low monthly payments to repay the loan. This type of loan is called "sale and leaseback". It’s simply refinancing equipment they own. Best of all these types of loans pay up to 15% commissions and are NOT dependent on credit ratings.
Companies love this because most banks don’t do this type of financing, placing your company in a premium position to capture new business. Remember. It does not matter which program gets "your foot in the door". Once you have a client you have a huge assortment of products to answer their needs for years to come.
Typical commission: 5-15% of the loan amount*
Typical transaction size: $25,000 - $10 million+
Typical approval time: 24-48 hours
Note: These are typical transaction sizes. There really is no limit on loan size given correct conditions
Church Financing Program
Churches are constantly growing and Pastors understand that to grow their congregation they need to keep up with modern technologies and furnishings. Money is often the biggest problem. You can finance any equipment a church or religious organization needs: pews, media systems, pianos, organs, air conditioning units, etc. This is a great niche because most banks will not finance a small or medium-sized church. You can finance any type of church, whether they are just starting up or established for many years. Global is one of the largest financiers of churches nationwide. This is a great way to start, as there is very little competition … you can begin to make money immediately!
Typical commission: 5% of the loan amount*
Typical transaction size: $10,000 - $200,000
Typical approval time: 24 hours
Business Acquisition Financing
Given the current business environment, there are many opportunities for healthy companies and individuals to acquire other companies at bargain-basement prices. We teach you how to help your clients acquire companies by leveraging or refinancing the assets of the company they want to acquire. In simpler terms, they can buy the company in certain cases with the company’s own money, while expending very little cash of their own. This is a very active and lucrative market. In fact, there are cases where several companies in a particular industry have been acquired and consolidated. When this takes place the resultant assets often cover a good portion of the acquisition.
Typical commission: negotiable, but usually 1- 3% of the amount financed and a small amount of equity in the company*
Typical transaction size: usually $250,000 - $20 million
Typical approval time: 2 weeks
Franchise Funding
Some companies consider this a separate classification of loans. In some ways, it is only because the lenders already have most of the information they need to complete the loan. They are familiar with the franchise needs and expectations and only have to evaluate the individual acquiring the franchise. And while most banks shy away from this category you will find this is an easier loan to arrange than most other startup businesses. Our lenders are experts in this field and you can arrange loans of up to
$1,000,000 making commissions of up to 4% from this activity. The silver lining to these loans is that as a loan gets paid down, the franchisee decides to expand and purchase additional franchises. Now the lender is familiar with both the franchise and the franchisee, creating an excellent source of repeat business for you.
Typical commission: negotiable, but usually 2- 4%*
Typical transaction size: usually $150,000 - $1 million
Typical approval time: 2-4 weeks
Debt Restructuring
Many companies today are strapped with high monthly payments for the different loans they have acquired over the years. You will be able to refinance all of their loans into one convenient loan and arrange one low monthly payment. In most cases, their monthly payments are reduced by 30% or more.
Typical commission: 3- 10% of the loan amount *
Typical transaction size: usually $100,000 - $5 million+
Typical approval time: 1 week
Medical Practice Acquisition Financing for Doctors, Dentists and Veterinarians
One of the most active areas of finance is the medical arena. You can provide financing to medical professionals looking to acquire existing medical practices. Each year thousands of medical professionals, physicians, surgeons, dentists, veterinarians, chiropractors, and specialists retire and sell their practices or simply need working capital to grow. You can provide financing up to $5,000,000 for medical professionals to acquire these practices, and in most cases, with no money down.
Typical commission: 3-5% of the loan amount*
Typical transaction size: $75,000 - $1 million
Typical approval time: 24 hours
Medical Practice Equipment Financing
This program allows you to provide loans to medical professionals who are looking to finance their existing equipment and/or new equipment. It is common knowledge that medical equipment is priced at a premium and these types of loans can be quite sizable. Additionally, you will be able to provide working capital signature loans that can be used to upgrade their facilities, expand their practices, update equipment, pay taxes
or for any purpose they want. With a 1 page application, a Medical professional can get up to $250,000 in working capital with a one-day approval. These high-demand loans close very quickly and earn you high commissions.
Typical commission: 3-5% of the loan amount*
Typical transaction size: $75,000 - $2 million+
Typical approval time: 24 hours
Merchant Cash Advance
This type of financing is very valuable for businesses that cannot get loans from their local banks, due to previous credit issues. This funding solution provides working capital to businesses against their future monthly cash sales. You will be able to advance up to 120% of the businesses' monthly sales. For example, if a business takes in $100,000 average per month, we can advance them up to $120,000 regardless of credit. They can use the funds to buy needed equipment, hire new employees, remodel, or for any purpose that they see fit.
This is without question the easiest loans you can provide, best of all it is a recurring process with recurring commissions. Most clients that use this once will renew the advance on average 3 or more times.
Typical commission: 4-8% of amount financed*
Typical transaction size: $20,000 - $1 million+
Typical approval time 24-48 hours
Alternative Energy Financing
Today, more than ever before, there are substantial incentives to use alternative energy. These projects can be very costly but reap rewards to the end-user for many years. Naturally, there is a need to finance these reasonably large projects and one of our lenders specializes in exactly that. Typically the assets of the project act as collateral for the loan. Other times, a project is near completion and needs short term funds to finish the job.
Importantly, the loan is not based on the client's credit but rather on the assets of the project. These loans can be quite large and are able to close very rapidly.
Typical commission: 1-2% of the amount financed*
Typical transaction size: $1 million - $100 million+
Typical approval time: 3-4 weeks
Stock Loans
A stock loan is simply when you lend money against securities the client already owns. The result is immediate access to capital without selling or margining any shares for cash. It requires no personal guarantee on the loan and is secured by the stock portfolio; therefore. It is a true Non-Recourse loan. The only loan approval consideration is the value of the stock. The client's current credit is not an approval issue. Importantly, these loans are relatively inexpensive for your clients. You will be able to provide interest rates as low as 3% and provide a loan of up to 90% of the total stock value.
Average Commission: 5%*
Transaction Size: $150,000 - Unlimited
Approval Time: Under 24 hours
Working Capital
Many business owners need working capital to grow their businesses unless the business is well-capitalized and has a proven record of earnings the banks will not provide the much-needed capital to expand and grow their businesses. We can provide working capital regardless of the time in business or profitability and we can go up to $500,000 with rates as low as 5.99%
Typical Commission 2-5%*
Typical Transaction size: $100,000 - $1 million
Approval Time: 24-48 hours
Unsecured Business Loans
This program offers business owners unsecured lines of credit. This can be offered in all 50 U.S. states to both start-up and existing businesses. These lines of credit are approved within 3 days and can be funded in as little as 5 to 30 business days to any type of business. The key benefit of this product is the fact that it is unsecured, which is a very attractive option for people just starting a business or for long-established businesses looking to expand. Since this product closes very quickly, you can close several of these
per month with very little effort. You assist your client from start to finish and make a significant profit doing so.
Typical commission: up to 3% of loan amount
Typical Transaction size: $5,000 - $250,000 per line of credit*
Approval Time: 3 days
Asset Based Lending
This is broad classification includes a wide range of activities such as large commercial real estate loans, purchase order financing, inventory financing, and literally any kind of loan that uses a business's “assets” to act as collateral. These loans vary greatly and provide ultimate flexibility, provided a company has assets or intends to acquire the asset (real estate) with the loan. Many times these loans can be quite large. This form of financing is growing and is less expensive than typical factoring.
Typical commission: 1- 3% of the initial line of credit*
Typical transaction size: $2,000,000 - $200 million
Typical approval time: 4-8 months
Start Up Business Financing
If a business owner needs financing to start a business, the banks will never entertain a loan unless they have a lot of collateral. Our lenders can provide loans of up to $200,000 without any collateral. This type of loan can be approved in 24-48 hours and funded in 7-10 days. Usually, there is 0% interest for the first year. This type of loan is for clients that have very good credit.
Typical Commission 2-3% of loan amount*
Typical Transaction size: $10,000 - $200,000
Approval Time: 24-48 hours
Business Terms Loans
Most businesses need capital for a variety of reasons. The most common way for a business to get this financing is through a business term loan. These loans generally are set up with a 3 to 5-year payback schedule. These loans can be used for anything from working capital, fixed assets, or equipment purchases.
Because of the increased scrutiny and regulation on the banks, it has become harder and harder for a small business to obtain a term loan. Since your typical bank shies away from small businesses, you will have the ability to fill a large void. These types of loans can be done rather quickly, providing these small businesses with these much-needed funds.
Typical commission: Up to 3%-5%*
Typical transaction Size: $25,000 - $500,000+
Typical approval Time: Up to 48 hours
Business Acquisition Financing
Business acquisition financing usually takes place when an individual or corporation wants to purchase a business or franchise. In some cases, it can even be an existing business that would like to buy out their competitor.
Generally, these loans require 10% down but in some cases, they can be executed with 0% down and are strictly based on the cash flow of the existing company.
For example, this type of financing is very popular in the medical sector.
You will find either the case where older doctors are looking to sell their businesses to younger doctors or you will find doctors who are looking to purchase other practices to increase their existing practices.
Typical Commission: 1-3% of total financing*
Typical transaction Size: $500,000 - $5 million+
Typical approval Time: 30-60 days
Used Aircraft Financing
Used and older aircrafts consisting of planes, jets, and helicopters are usually difficult should you go to your local bank for financing, since they only want to focus on the newer models. We have a specialized program that will allow you to provide funding solutions for this niche market.
Typical Commission: 3 %-8%*
Typical transaction Size: $150,000 - $5,000,000
Typical approval Time: 1 week or less
Owner-Operator Truck Financing
Owner-operators are people who own and operate their own trucks. These are typically one man or woman shops. This is considered high-risk financing and very few lenders like to do this financing. Our lenders will do this financing with a small down payment regardless of credit. Generally, we can get same-day approval on the loan.
Typical Commission: 5-10%*
Typical transaction size: $10,000 - $60,000
Typical approval Time: 2-24 hours
Fleet Truck Financing
Financing individual trucks is never a problem. Large companies that want to add or refinance their fleets are a whole different world. Often these companies want to replace their new trucks every two or three years. We can arrange financing for trucking companies to meet their business needs. Four trucks to hundreds of trucks are considered fleets.
Typical Commission 3-10%*
Typical transaction size: $100,000 - $5 million
Typical approval Time: 24 hours – 1 week for large fleets
It All Adds Up To a Great Opportunity for You to Make a High Annual Income
At Global, we teach you the ins and outs of each one of these loans. As you can see, the commissions from any of these transactions can make you a significant income and many of these transactions can be in the tens of thousands of dollars.
Just two or three transactions like this a month would put you well into a six-figure income. The 60-30-10 rule that we use is the percentage of time you should be spending on your one time transactions, your residual loans, and your mega loans.
If you follow our 60-30-10 Rule you can see that if you focus your energies correctly, there is really an unlimited amount of income you can generate.
Investigate this opportunity further and you will see that this is a great way to make an extraordinary income without being tied to a 9-5 existence. Most important… you are not a cold calling SALESPERSON. You are not trying to sell something people don’t want. Either people need money or they don’t. All you need to do is let them know you exist and today, with the marketing expertise that we teach, this can be done in literally days. Most, if not all, of your clients, will contact you via phone or email hoping they can get the money they desperately need. Can you imagine being in a better position? Check out our training schedule to see how quickly you can start your own commercial finance company.
*Note: Any examples as to how much money can be earned or typical commissions are for illustrative purposes only. They reflect in general how Certified Global Professionals receive commissions. Commissions vary by lender and market conditions and may change at any time. It is impossible to suggest exact individual earnings because any new business is dependent on the time and dedication you invest to make it succeed. Therefore Global Financial Training Program and its parent, make no guarantees of any kind regarding return on investment, income, success or profitability of those attending and participating in the Global program.
