Commercial Finance Programs

In today's Business World, choosing a commercial finance company can be the most important decision you make as a company for your growing business needs. With a competitive and volatile market, access to the necessary capital for your project is what can make the difference in your company succeeding. Our funding relationships allow us to bring our clients a complete solution for their financing and capital needs. We help our clients obtain their business goals, not only for today but for the future.

Business Programs ML Financial currently offers are listed below. If you have finance needs that are not listed below, please feel free to call our office. New programs are continually being added and may not reflect on the website.


Program Highlights

Purpose of Funds

Buying an New or Existing Business
Working Capital Loans
Acquisition of Equipment Commercial and Residential Real Estate Financing


Financing Options: $50,000 - $50,000,000+

Business Term Loans $500,000 - $50 million+
Commercial Real Estate financing up to 80% LTV
Land Acquisition and Development
Bridge Loans
Hard Money Real Estate Loans
Residential Real Estate Mortgages up to 95% LTV
Annual Renewable Credit Lines
Unsecured Revolving Business Line of Credit up to $100,000
Unsecured Revolving Personal Line of Credit up to $50,000
Sale Lease Backs
Working Capital Loans
Stock Secured Loans
Equipment Leasing
Market Competitive Rates
Flexible Payment Terms
Programs for those with less than perfect Credit


Collateral

Real Estate or Marketable Securities may be required in certain transactions

Pre-qualify Client (Submit the following):

1. Completed and signed Credit Application
2. Signed Authorization to Release Information
3. Current Personal Financial Statement signed and dated

*Once a completed package is received and evaluated a Funding Proposal and Financial Services Agreement will be issued to the client.

Fax all deal transactions to: (561) 367-9855 or call for more information.


Corporate Program

Program Highlights
Amounts: $500,000 - $50,000,000
Special low rates tied to LIBOR Rate
Annual renewable credit lines, or
Term loans from 36 months to 60 months, or
A combination of the two

Program Criteria:
Minimum Loan is $500,000
In Business 5 years or more
Good Credit required
3 years business tax returns
3 years principal's income tax returns
Previous 2 years must have been profitable
*Taxable Income plus depreciation must be at least 30% of loan amount


Stock Secured Loan

Program Highlights

Margin Maintenance: There are never margin maintenance requirements in our stock loan program. Contrasting other stock loans, this program never specifies a minimum stock price over the duration of the loan.

Non-Callable: The lender will not call your loan no matter what happens to the value of your securities. You will never be forced to liquidate your securities if they lower in value; however, should they increase in value you still own them!

Non Recourse: The only collateral for the loan is your stock. Therefore you are personally protected in the event of default. Should your stock take a market hit, and you find your stock is not worth the value of the original loan you may exit the loan and pay nothing further. Your stock, at what ever value, is all that is needed to satisfy your loan obligation.

High Loan to Value with Tax-free Liquidity: Up to 80% LTV, depending on the stock price and trading volume of your securities. Further, as loans are not taxable you can enjoy liquidity without selling your shares! No tax burden.

Unrestricted Upside Potential: Since you aren't selling your stock holdings, you can continue to benefit from your stock's appreciation.

Market Melt Down Safety: As there are no margin maintenance requirements, you have no worries of a cash squeeze in the event of a market downturn, no matter what happens to the value of your stocks.

Enjoy Variable Terms: The term of your loan may extend from one to fifteen years.

No Prepayment Penalty: You can pay off your loan early without penalty.

Very Attractive Low Interest Rate: Libor + one to three percent.

Payment Structure: Interest Monthly, Quarterly, or Semi-Annually.


Specialty Program

Program Highlights

Amounts: $100,000 - $1,000,000
No time in business required
Less than perfect credit acceptable (Even bankcruptcy)
Terms: 5 yr - 10 years
The purchase of your new business and/or equipment is structured as a Lease.

Program Criteria:
Transactions from $100,000- $1,000,000

Personal financial statement, completed credit application including credit authorization

*Must have real estate or marketable securities available as additional collateral (or other acceptable collateral)

Flexible programs available: Step up payments, skipped payments, 5-10 year leases terms.

Note: This program is offered as an alternative to ML Financial's mainstream programs. Rates in this program are considerably higher.

Fax all deal transactions to: (561) 367-9855 or call for more information.

ML Financial Services, Inc.
301 Crawford Blvd. Suite 100, Boca Raton, FL 33432
Ph: (561) 367-7749 Fax: (561) 367-9855 Toll Free: 1-888-296-3322