Collateral Business Loans

COLLATERAL BUSINESS LOANS MAY OFFER LOWER RATES THAN OTHER FORMS OF ALTERNATIVE FUNDING, AND SMALL BUSINESS OWNERS MAY ALSO QUALIFY FOR MORE FUNDING THAN THEY WOULD WITH UNSECURED LOANS OR LINES OF CREDIT.

What is a
Collateral Business Loan?

A collateral business loan is a secured loan that uses commercial real estate as collateral to reduce the risk to the lender, which in turn helps reduce the cost of the loan. Because the funding is secured, small business owners also typically qualify for more funding than they would with revenue-based financing that isn’t secured by “hard” collateral.

Opalescent Solutions offers collateral business loans from $50,000 up to $250,000, with no restrictions on how you can use your funds. The terms of your collateral business loan will depend primarily on the value and type of collateral offered, your business’s cash flow, and the business owner’s background, personal credit, and repayment history. At Opalescent Solutions, we never want to put anyone’s primary place of residence at risk, so we only accept developed property that is not the business or property owner’s primary residence as collateral.

Who should apply for a
collateral business loan?

Collateral business loans are ideal for:

Businesses who need low cost capital for a short period of time
Businesses seeking a larger or longer-term funding option than a merchant cash advance or other small business loan
Businesses making a large purchase, such as new equipment or more inventory
Businesses planning an expansion, merger, or acquisition

Collateral business loans can benefit medical practices, construction companies, manufacturers, automotive businesses, business services, and more. No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

How to Get a
Collateral Business Loan

Apply

Gather 3 months of bank statements and other records. For faster approval, grant us secure access to your bank account’s transactional data

Choose Funding

A Funding Advisor will reach out to you within 1 hour (during regular business hours) to complete your application & discuss your funding options.

Get Funded

Once you and your Funding Advisor determine what funding option works for your business, your funds can be approved and deposited within 24 hours.

Set Repayment

Payments will be automatically deducted from your business’s daily or weekly debit and credit card sales. Payment amounts will be based on your sales.

Apply

Gather 3 months of bank statements and other records. For faster approval, grant us secure access to your bank account’s transactional data

Choose Funding

A Funding Advisor will reach out to you within 1 hour (during regular business hours) to complete your application & discuss your funding options.

Get Funded

Once you and your Funding Advisor determine what funding option works for your business, your funds can be approved and deposited within 24 hours.

Set Repayment

Payments will be automatically deducted from your business’s daily or weekly debit and credit card sales. Payment amounts will be based on your sales.

How to use collateral business loans

There are no restrictions on how collateral business loans can be used. Collateral loans are typically best used to:

Fund growth strategies, new equipment, and other costly purchases that have a strong ROI
Finance an expansion, merger, or acquisition
Take advantage of seasonal business opportunities such as purchasing inventory in bulk

Collateral Business Loan Qualification Requirements

Opalescent Solutions collateral business loan requirements are lower than traditional lenders and other alternative funders. At Opalescent Solutions, we know that credit scores don’t tell the whole story, so we focus on the overall health of your business and the property. Here are some factors we consider:

Type of collateral—we don’t accept primary residences as collateral
Value of collateral, including a recent property appraisal, county tax bill, and real estate schedule
Business revenue
Cash flow
Vendor payment history
Years in business
Public records

Collateral Business Loans

What is a
Collateral Business Loan?

Who should apply for a
collateral business loan?

How to Get a
Collateral Business Loan

Apply

Choose Funding

Get Funded

Set Repayment

Apply

Choose Funding

Get Funded

Set Repayment