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  12 Traditional and Non Traditional Funding Solutions


  • 9. Purchase Order Financing 
  • 10.  Freight Factoring
  • 11. Equipment Leasing
  • 12. Hard Money Loan
  • 5.   Mezzanine Loan
  • 6.   Business Line of Credit​
  • 7.   Merchant Cash Advance
  • 8.    Invoice Factoring

  • 1.   SBA Loan
  • 2.   Secured Loan
  • 3.   Unsecured Loan
  • 4.   Bridge Loan​

Searching for the best business funding solution(s)?                                               

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Take the stress out of your search  and simply hire  us,
AMB Business Solutions to do the work for you. 

When it comes to applying for business loans and funding it is to your advantage to hire a company such as ours.  We have established years of rewarding relationships with several lenders nationwide that hire us to promote and sell their products. 

     AMB Business Solutions was founded upon 20 years in finance.   We live and breath business funding and actually enjoy  coming to work knowing that with each approved application, we are helping business owners across the United States fulfill their American Dreams!

    And because of our committment to you, we have a vested interest in helping you put together the most comprehensive application package and presenting it with all required supporting documents to lending institutions  with whom we already have an established, mutually  rewarding relationship.  Lenders, who know us by name and look forward to our calls.   

Call 877-748-9977 for your complementary consultation.

Descriptions of our 12 Loan Products Below... 
Our Business Strategists are available and excited to help you decide which loan product (s) are best for your business goals.  We also value empowering our clients with the tools they need to make educated decisions and THRIVE!
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  1. The US Small Business Administration (SBA) does not make loans; instead it guarantees loans made by individual lenders. The main SBA loan programs are SBA 7(a) which includes both a standard and express option; Microloans (up to $50,000); 504 Loans which provide financing for fixed assets such as real estate or equipment; and Disaster loans. Under CDC/504 loans, the SBA offers money for businesses to purchase real estate, new machinery and equipment, or make improvements like landscaping. Additionally, if you need to renovate your existing office or facility, these fund can help. The SBA microloan program helps small businesses and qualified non-profit groups start and expand their businesses. Loan amounts are capped at $50,000 and can support new equipment, supplies, future or be used as working capital. Each micro lender has its own qualifications and requirements for their loans. Though there are special prerequisites, the most common SBA loans are through the 7(a) Loan Program. There is no minimum loan amount but there is a $5 million maximum. The average loan amount in the 2015 fiscal year was over $300,000. Learn about eligibility for 7(a) loans. The SBA does not lend the money directly to entrepreneurs to grow a business, but sets certain stipulations for loans made by its partners (lenders, community development organizations and micro-lending institutions). The SBA helps to eliminate some of the risk to lenders by guaranteeing that these loans will be repaid.
    SBA Loan
  2. A Business Line of Credit provides a business with access to money that can be used to address any business expense that arises. Unlike a small business loan, however, there’s no lump-sum disbursement made at account opening that requires a subsequent monthly payment. A small business line of credit is subject to credit review and annual renewal, and is revolving, like a credit card: Interest begins to accumulate once you draw funds, and the amount you pay (except for interest) is again available to be borrowed as you pay down your balance. As with a credit card, the lender will set a limit on the amount you may borrow.
    Business Line of Credit
  3. Defined by the Small Business Administration, a secured based loan aka a collateral based loan is "an additional form of security which can be used to assure a lender that you have a second source of loan repayment." Most commonly, collateral is real property (i.e. an owner-occupied home), but it can also be represented by your business's inventory, cash savings or deposits, and equipment. Here are five of the most commonly offered and accepted types of collateral; real estate property such as homes, Cash Secured Loan, Inventory Financing, Invoice Collateral, and Blanket Liens.
    Secured Business Loan
  4. A bridge loan is a short-term loan used until a person or company secures permanent financing or removes an existing obligation. This type of financing allows the user to meet current obligations by providing immediate cash flow. The loans are short term, up to one year, with relatively high interest rates and are usually backed by some form of collateral such as real estate. To illustrate, suppose a company has been approved for a $1 million loan from a bank. However, this money will not be available for six months, and they are running short on cash. They could apply for a six-month bridge loan of $50,000 to cover their expenses until the money from the $1 million loan comes through.
    Bridge Loan
  5. The term "merchant cash advance" may be used to describe purchases of future credit card sales receivables, or short-term business loans. It is structured as a lump-sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales or bank deposits.
    Merchant Cash Advance
  6. Mezzanine financing effectively secures a company’s debt on its equity, allowing the lender to claim part-ownership of the business if the loan is not paid back on time and in full.This allows the business to borrow without putting up other collateral, but risks diluting the principals’ equity share in case of default.
    Mezzanine Financing
  7. Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. A business will sometimes factor its receivable assets to meet its present and immediate cash needs. How does it work? Most factoring companies purchase invoices in two installments. The first installment – the factoring advance – covers about 80% of the receivable (this amount varies). The remaining 20%, less the factoring fee, is rebated as soon as your client pays the invoice in full.
    Invoice Factoring
  8. If slow-paying customers are resulting in missed opportunities, fuel advances are the solution. Freight factoring ensures your trucking business always has cash on hand to cover the cost of fuel and over-the-road expenses. Fuel advances are often a must-have for owner-operators and smaller fleets. Set up is quick and easy: * No minimums * No setup fees * No long-term contracts
    Freight Factoring / Fuel Advance
  9. Purchase Order Financing (PO financing) is an advance from a financing institution that pays your suppliers for goods you’re re-selling or distributing to a customer who has completed a written purchase order. You can finance up to 100% of the purchase order costs with typical rates falling between 1.8% and 6% per month. Purchase order financing typically takes 1-2 weeks to fund. Purchase order financing helps businesses that need cash to fulfill product orders by paying your supplier for the manufacturing and transportation of goods up front, before you receive payment from your customers. The funds cannot be used for anything other than the purchase of specific goods needed to fulfill your customer’s order. In order to qualify for purchase order financing you must sell finished goods (not raw materials or product components) to B2B or B2G customers with profit margins of 15%+. Startups can qualify, but the majority of your application depends on the creditworthiness of, and your past history with, your suppliers and customers. It can be easy to qualify for if your customer and supplier in the transaction are both well established and reputable companies
    Purchase Order Financing
  10. Obtaining the use of machinery, vehicles or other equipment on a rental basis. This avoids the need to invest capital in equipment. Ownership rests in the hands of the financial institution or leasing company, while the business has the actual use of it. The Equipment Leasing Company is a non-banking finance company which is primarily engaged in the business of leasing of equipment or financing of such activity. The term “lease” refers to the contractual agreement between the lessor (owner) and the lessee (hirer) wherein the lessor grants right to the lessee to use the equipment in exchange for the periodical rent payments. The equipment leasing company leases the asset to other companies either on the operating lease or finance lease. The Operating Lease is for a shorter period duration and is often cancelable at the option of the lessee with a prior notice. The lease period is generally shorter than the economic life of the asset and is also called as an Open End Lease Agreement.
    Equipment Leasing
  11. A hard money loan is simply a short-term loan secured by real estate. They are funded by private investors (or a fund of investors) as opposed to conventional lenders such as banks or credit unions. The terms are usually around 12 months, but the loan term can be extended to longer terms of 2-5 years.A hard money lender may simplify the closing costs by charging points without detailing separate underwriting or other fees, or may charge points in addition to these fees. The amount charged depends on the transaction, agreements between all parties, loan-to-value (LTV), risk and complexity.
    Hard Money Loan
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