U.S. Capital Advisors

I.    Investment Real Estate Financing

II.   Owner Occupied Real Estate Financing

IIa.     1) Gas Station/C-Store Financing

          2) Dealer Equity Program

          3) Restaurant Financing

III.   Equipment Leasing & Financing

IV.  Factoring & Purchase Order Financing

V.    Residential lending

Investment Real Estate Financing

Property Types  - Multifamily, Industrial, Office, Retail, Hotel, Construction

Loan Amounts   - Loan Amounts from $ 500,000 up and up to 95% loan to value 

Terms                - Bridge loans, terms loans, permanent and construction loans

Amortization      - Up to 25 years (depending on age and condition of property)

Rates                 - Floating or Fixed, based upon Prime, T-bills or LIBOR

Guarantees         - Full guaranty for all loans except securitized permanent loans

Owner Occupied Real Estate Financing

Property Types  - Any commercial use 

Loan Amounts   - Loan Amounts from $ 250,000 up and up to 80% loan to value 

Terms                - Bridge loans, terms loans, construction loans

Amortization      - Up to 25 years (depending on age and condition of property)

Rates                 - Floating or Fixed, based upon Prime or T-bills 

Guarantees         - Full guaranty for all loans except those below 50% loan to value

Gas Station/C-Store Financing

Single unit, multi-unit or chains

Real estate required

Traditional, SBA and construction financing

Will need recent financial, physical, environmental and volume information.  

Dealer Equity Program

Purpose     

Fee simple ownership of your retail site is the key to growth in today's fast paced retail petroleum business.  The Dealer Equity Program is a one-stop financing resource to enable retail petroleum dealers to purchase their current site or add one or more additional locations.

Minimum Criteria    

• Three years of c-store management experience
• Acceptable credit history/record
• Profitable operations for a minimum of two years at present location 
• Cash contribution of 0 -15% (based upon qualifications)
• Acquisition price of $ 500,000 up to $ 2,000,000 per site

Closing in 45 to 60 days from receipt of a complete underwriting package and signed term sheet with deposit check.  Third party reports may delay closing if not ordered and delivered promptly.

Restaurant Financing

Franchise and independent - All concepts

Fee simple (loans up to 85% loan to value or cost)  or leaseholds (up to 70% LTV)

Single or multiunit operators

All borrowers must have direct industry management experience, equity to invest and good to excellent credit.

Traditional, SBA and cash flow based financing requests will require the following documents:

Principals

• Three years personal tax returns
• Recent personal financial statement
• Three month bank and brokerage statements
• Credit report - Explanation of all derogatory items

Businesses

• Three years corporate tax returns and financial statements
• Comparative interim operating statements
• Credit references
• Real estate or lease information
• Liquor license information

Residential Lending

• All types of residential lending, including variable rate ARM, fixed rate 15 and 30 year, interest only and high leverage loans. 
• Single Family, Condominium, Co-op's and Townhouses. 
• Residential construction loans
• Special programs for teachers and veterans