Land Acquisition and Construction

These loans are geared for the developer to get the lots shovel-ready for construction.

Complete Loan Development

I'm going to share with you some ideas on what we're doing to help our investors and developers get financing.

Fix and Flip Deals – 100% Financed Capital Stack

Can you really buy a property with 100% financing?

Yep!

Definitely.

Listen to Beau as he gives you a walk through on how to get a 100%-financed Fix and Flip Deal.

PRIVATE MONEY LENDING TIP: Beau talks about the capital stack and the how-to on structuring 100% Financed Fix and Flip Deals.

To achieve a 100% Financed Fix and Flip Deal, you have to get a first mortgage at 70% of the purchase price and your equity partner brings in 30%.

Voila, you get a 100% fix and flip deal!

Who Is Emerge Lending?

Emerge Lending Group was founded for the sole purpose of delivering to business owners quick and reliable financing to fund growth, seize opportunities, and maximize profits.

The world of credit is complex, with many companies vying for your business. The choices are often confusing. And they’re always changing.

And frankly, traditional banks just aren’t keeping up with innovation.

What you need is a single point of contact to guide you through the maze of options and get you the best financing possible.

When you partner with Emerge Lending, you can rest easy that we will give you the best financing options available.

We work with dozens of specialty lenders and we walk you through each step.

Generally speaking, every business needs working capital AND cash on hand to expand.

We offer both types of financing:

• Short-term funding for your immediate needs
• Long-term funding to expand and grow

Within each of these two broad categories, there is a multitude of loan options.

Don’t worry – the specialists at Emerge Lending have the expertise to get you into the right solution for your needs.

Differences between Personal and Business Credit Scores

There are many differences between consumer credit and business credit

There are many differences between personal and business credit scores.

One fundamental difference between consumer and business scores is the time frame the scores gauge someone’s risk of default over.

A business credit score is a mathematical model that is used to depict a business’s risk of going 90 days late on an account within the next 12 months.

A consumer credit score is a mathematical model that is used to depict a consumer’s risk of going 90 days late on an account within the next 24 months.

Another big difference between consumer and business credit scores is what the score actually represents.

A consumer credit score reflects an individual’s likelihood of defaulting on an obligation.

A business credit score reflects the business’s likelihood of defaulting on an obligation, not the business owner’s.

The business credit score is based on how the business obligations are being paid, not how the business owners pays their personal obligations.

Another major difference between business and consumer credit scores is the score range.

Consumer FICO scores range from 350-850 with 850 being the best score you can obtain. Business credit scores typically range from 0-100 with 100 being the best score you can obtain.

These are three of many major differences between consumer and business credit scoring.