CityVest invests in highly selective real estate private equity investment funds.
A small business loan is money borrowed from a lender by a small business. Like traditional loans or mortgages, financial institutions make their money on small business loans by charging fixed or adjustable interest rates on the total amount borrowed for the term of the loan. Business owners typically seek small business loans to run or expand their businesses. Traditional financial institutions will loan to small businesses, but rejection is a popular outcome when it comes to funding.
Seeking a small business loan requires a business owner to have good credit, a strong business plan, and collateral. It is important to have collateral, in the form of tangible assets, prior to applying for a small business loan. Small business loans are granted based upon the owner’s personal financial status and not the status of the business. Therefore, lenders focus on personal finances to minimize as much risk as possible.
Small business loans are not for startups. Lenders in a small business loan are more interested in assisting established businesses run or expand. Lenders view a small business loan as a greater risk compared to investing in a larger business, which is why they usually charge higher interest rates. Larger businesses may be more established with more tangible assets, so to level out the risk, the cost to borrow in a small business loan is more expensive.
Borrowing from a bank for instance is one option available to small businesses, but keep in mind all lenders will complete their own version of due diligence to approve a borrower. Let’s say you have a small business and are planning on applying for a small business loan. You will want to ensure you can demonstrate the following criteria to a bank or lender:
It is important to keep in mind that some lenders will vary in the way they evaluate your company. If you follow the above basic criteria, and are prepared when the time comes to meet with a lender, then your chances of securing a small business loan are favorable. It is important to consider that lenders in a small business loan application are not interested in providing seed or startup money, their goal is to ensure they lend money to a borrower who can realistically repay the loan plus interest. If you currently have an established business, and are looking to grow or expand, a small business loan may be right for you.
Every CityVest investment undergoes a thorough due diligence process by our experienced underwriting team. Of the hundreds of projects reviewed each month, fewer than 1% are approved.
CityVest can help you:
You benefit through professional investment structures, which target passive returns for our investors in a range from 10% to 25% - often with a preferred return.
CityVest pre-screens investments for you through our underwriting and due diligence process. We partner with institutional investment funds and sponsors and we seek a preferred rate of return.
Since real estate investments typically generate cash flow income, while common stock does not, real estate valuations tend to be less volatile and less sensitive to market risk factors.
CityVest will handle all of the accounting and administration of your investment, while you can monitor the returns.
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