Today Small Businesses Still Hurt for Capital: Sunovis Financial Micro Loans Can Address the Problem Now

San Francisco, California (PRWEB) March 07, 2013

What can a small business owner do when he or she needs capital but cannot access it? This could be for a small expansion, hiring, purchasing inventory or equipment.

Businesses need capital to grow, to thrive, to hire and to survive. Yet access to capital has been a major problem for many small businesses since 2008. Why? Banks, especially small banks that typically lead in lending to local small businesses, are still experiencing problems. Between bad debt on the books, new regulations aimed at larger banks, and other issues, it is difficult for many to lend even today. And lending requirements have become very tough.

Sunovis Financial provides a solution for small business owners. “We can make an impact on this difficult situation, and that is why we are focusing on small business Micro Loans,” says Terry Robinson, President of Sunovis Financial. “We can get capital into the hands of qualifying small businesses very quickly. Approvals can be made in as little as two to four days.”

The economy will not recover until small businesses can recover. There are more than 23 million small businesses in the U.S. which account for 54 percent of US sales, says the SBA, with 66 percent of new net jobs coming from small businesses.

“No doubt, innovation and job growth comes from small business. Our mission at Sunovis is to help rebuild the economy, one business and one loan at a time, and Micro Loans are a big part of that.”

Micro loans are typically up to $ 150,000 but may expand to $ 250,000 for multi-site businesses (such as franchises or restaurants). Terms are short, from 4 months to 18 months, with easy payback methods. The main underwriting focus is on the ability to repay and cash flow of the business, not collateral or credit scores. “Many small businesses today have a cash flow but need capital to expand, yet they are unable to get a bank loan. Micro loans can help.”

According to the recent Pepperdine University study, small business hiring was down in the last quarter of 2012 and into 2013. The report also indicates that alternative financing is growing in popularity. No doubt, micro loans have an important role for small business owners.

About Sunovis Financial

Sunovis Financial focuses on lending to small businesses, through expertise in SBA loans and Micro loans. It also provides capital for commercial real estate financing and refinancing. The mission of the company: “rebuilding the U.S. economy, one business and one loan at a time.”

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Hard Money Loan Programs Now Verified at 75% Loan to Value, Join the Largest Source For Hard Money Loans and Hard Money Lenders.

Palo Alto, Ca (PRWEB) January 24, 2013 the largest source for hard money loans and hard money lender programs, announces that non-traditional mortgage lending programs have expanded up from the usual of 65% to 75% of the appraised value.

ALM has determined the general upward trend of Loan to Value in hard money funding programs. The research is compiled through the use of accurate, real-time, internet-based data collected from housing funding sales trends and lender behaviors such as recorded deeds and final closing statements. is an expert in the field of funding programs and with 3,479 verified funding programs represented by over 262 direct lenders, the free service for Real Estate Professionals, or the actual borrower is the best on the web. The mainstream popularity of hard money loans is growing daily as rates push down and Loan to Value pushes up.

ALM is averaging around 78 new funding program verifications a week.

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Commercial hard money loans in Baltimore Maryland Commercial hard money loans in Baltimore Maryland, the Hard Money Broker, and the Corporation on— hard lender A) the nature and extent to which the company has credit exposure to other signifi cantprivate real estate investor financial companies and signifi cant bank holding companies; and LENDING B) the nature and extent to which other such significant private real estate investor financial companies. AND SALE.—If an assignment and sale de scribed in clause hard money loans i) is consummated, the Corporation as receiver shall have no fur ther liability under the contract described in subparagraph hard money loans A) or with respect to the real property which was the subject of such contract.. and HARD MONEY LOANS establishes comprehensive employee training and benefits programs. LENDING b) REPORTING REQUIREMENT.— HARD MONEY LOANS IN GENERAL.—The Office shall submit an annual report to the Committee on Banking, Hous ing, and Urban Affairs of the Senate and the Com . option, future, or forward agreement; a total return, credit spread or credit swap, option, future, or forward agreement; a commodity index or commodity swap, option, future, or forward agreement; weather swap, op tion, future, or forward agreement; an. trust deed lender shall notify the subject entity of the final decision of the trust deed lender regarding an ap peal under paragraph hard money loans ), which notice shall contain a statement of the basis for the final decision of the

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