GPA Capital and its principals have been funding Commercial Loans since 1975. Given this knowledge, experience and well-seasoned network we are able to source a wide range of innovative and competitive loan solutions tailored to and for business owners. Clients include a wide range of specialties from family practice to chiropractors.
GPA Capital’s unique approach includes a myriad of diverse loan products & funding sources punctuated by our ultimate goal –to get you debt free.
This is one of the major differentiators between us and the funding source – they expect you to do this time consuming project before you ever approach them. However, we can use our extensive resources to streamline this process and not only create a budget, but also identify the following:
As a team, we will look at the following, setting up your confidential borrower profile:
Needed for all business owners who own 20% or more of the business.
Our team of commercial real estate experts can help provide lending and securitization solutions for a broad-range of asset classes, including:
Some of the differences in the uses of different loan types are:
|Types||Business term loans: secured or unsecured|
|Purpose||Finance a specific one-time need
Expand your business
Increase working capital
Finance furniture, fixtures or equipment
|Term||Up to 84 months|
|Collateral and Loan-to-Value Ratio||Unsecured: None required
Secured: Savings, marketable securities, furniture, fixtures, equipment car or truck (Advance rate based on type, age and condition of equipment)
|Repayment Term||Interest and principal generally due monthly on fully-amortizing basis|
|Rate Option||Fixed or variable|
|Other Fees||Loan origination fee
Appraisal fee, if applicable
Filing costs, if applicable
We offer a full line of traditional as well as no n-traditional loans including accounts receivable financing, factoring, leverage buy-ins and buy-outs and many more customized (and creative) solutions.
GPA Capital’s proprietary underwriting takes full advantage of cash flow analysis, variable budgeting and forecast. This gives allowing clients the capital needed for their business needs. These include (but are not limited to) medical practice growth, expansion, acquisition and more. GPA recognizes that, like medical practices, each situation is unique. We take the time to review the best options to meet your specific needs and then do whatever it takes to carry them out.
Having the knowledge of current healthcare funders/lenders, what they offer and their requirements is key. GPA, given its years of experience, has a wide range of funding sources and strategic alliances ranging from traditional loan funds to private/venture capital. We take the time to explain all of your options and work aggressively to secure the resources you need. We work closely with different healthcare financial products, including...
Each funding source has different preferred borrowers and different paperwork required. As we work with you on the proforma financials, including forecasts for revenue enhancements we use our proprietary underwriting tools to adapt each request to the requirements of the target funder.