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Valencia Loan Company > Small Business Loans > Small Business Loan Alternative

Small Business Loan Alternative

A Small Business Loan Alternative

Whether or not your business qualifies for a business loan through a bank, VLC can back you when others will not. Our collateral business cash advance program has helped multitudes of business owners obtain the funds they need in order to expand or keep their heads above water.

When the banks are turning you down, VLC can provide you with a quick solution. Small businesses have challenging times securing financing when they really need it. There are times when additional funds are needed to take advantage of new income opportunities or the keep things afloat when business is not coming in like it used to.

Let’s work together to find a solution that works for you. If you have jewelry, diamonds, silver, gold, coins or upscale watches, we can buy them from you or use them as collateral for a loan. It’s your choice.

If you have ever tried to get a Small Business Administration (SBA) loan, you know how intensive and difficult that process can be. It may be months before you get an answer. Doesn’t it make more sense to get an answer in 10 minutes?

 
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Customarily when a business needs financing owners turned to the SBA. However, as times got tight, the Administration’s financing requirements got even tighter. So, when taking advantage of new business opportunities, equipment that will enhance productivity, new advertising options, or to fund daily operations during a rough patch, the fast funding options can get the cash that your business needs to both stay viable and expand. The bottom line is that VLC gets cash to your business without having to go through the intrusive and time-consuming processes inherent in traditional financing.

Why burden yourself with all of the paperwork when there is a much faster and easier financing alternative at VLC? It may be just what you need quickly and easily. It is simply secured by the things you probably already have anyway, diamonds, jewelry, collectible coins and luxury watches. We give you the cash that you need today and you simply repay the loan when you can. As opposed to typical small business loans, you don’t need to make a payment every month. There are no payments due for four months. Simply keep making the payment every four months for as long as you like.

We help keep your business going and growing. All you need to do is send in a check every four calendar months. A significant plus for you is that you pay us back over as long or short a period of time as you want. So, if times get tough, as is often the case in business, you won’t have to be concerned about coming up with funds every month to make a loan payment. Simply make an interest payment every one-third of a year.

Because the program is based on collateral that you already have, you can take as long as you want to repay so long as the easy every four month obligation is met. It’s that simple.

Here is what to do:

  1. First, call & make a convenient appointment.
  2. Show up at your chosen time with your collateral.
  3. We complete and you approve the agreement.
  4. You walk out with a check that you can cash right away.

Keep in mind that:

  1. There are no personal guarantees.
  2. There are no liens against your business.
  3. There aren’t any bank hassles.
  4. You can choose how much you want based on your collateral.
  5. The appraisal is free.
  6. You can get your cash in as little as 10-15 minutes.

For so many small businesses, getting a business loan can make the difference between survival and failure. So, what do you do? Where do you find the small business loan that is right for you? If you need to make payroll next Friday, a bank is usually not the place.

There are many different types of funding options. You can go the conventional route and wait weeks or months for approval. We all know that the enterprises that need money are the least likely to get approved. The ones that do not need financing to stay alive are the ones more likely to get a “yes.” What about you?

We are known as "The Pawnshop of the Rich and Famous" because we have helped so many people from our offices in Beverly Hills and Santa Clarita who are well known and who have done well financially but who have gone through temporary cash crunches. A million dollars in real estate equity is not going to immediately pay next week’s electricity bill. Traditional loans take time, good credit and long-term proof of sufficient income.

Getting a “yes” decision is as easy as brining in your diamonds, Rolex, gold, silver or coins. We even lend on airplanes as collateral. Do you or mom or grandma or a friend or relative have items that they will give you to temporarily as compensationfor your loan? It is as easy and stress-free as making a call and seeing if we are right for you and what you have is right for us.

The collateral items that tend to give you the highest loan amounts are diamonds of over one carat, heavy gold chains, and luxury watch brands such as Rolex, Patek Philippe, Cartier, IWC, Panorei and Breitling. We really don’t care if your credit score is 850 or 450 because we don’t run your credit. We don’t pay attention to your business history or how much money you have in the bank. The only thing we care about is if we feel your collateral is sufficient to secure your loan.

When your small business loan gets approved, you can use the funds for whatever you like, including but not limited to:

  • Buying real estate.
  • Acquiring equipment, furniture or computers.
  • Making payroll.
  • Making building improvements.
  • Purchasing inventory.
  • General liquid capital needs.

If you’ve never thought of going to a pawn shop before, think again. Come to an upscale, private alternative in a nice, clean office environment with friendly, professional, helpful people to secure the cash you need.

 
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