D & B Capital

We will turn that denial into an approval with the SAME RATES!

D & B Capital was started by Brian Hartman in 2018. With 30+ years commercial banking experience, you deserve to have Brian in your corner.

Why would a business choose us for financing for their SBA loan? Because we have over a hundred lenders that give us a wide array of options for the borrower including start-ups and multiple store financing.

We have:

- Non-bank SBA lenders that do NOT require collateral for approval (up to $5 Million dollars BUSINESS ONLY and no Goodwill Cap)

-Down to a 580 Score if Real Estate backed

- We can do second store financing less than a year after opening your first location

- We have the most AGGRESSIVE 504 options around and our rates are EXCELLENT!

- We can operate in both franchise and NON Franchise businesses, even special purpose properties and businesses and, we can do most with only 10% down (except start-ups which always need 20% for a first location start-up)

-Oh yeah, we do START-UPS as well!

And so much more. Check out our website www.dandbcapital.net for many other examples of what we can do and if you are looking to start or expand your business, or buy your next building, give me a call at 561-633-8971.

WE have money and we do not charge ANYTHING to get you to that term sheet. We NEVER CHARGE APPLICATION FEES that are NON-refundable. That's right, we are the ONLY NO RISK OPTION IN COMMERCIAL. With the right docs we can underwrite for terms in 48 hours

D & B Capital was started by Brian Hartman in 2018. With 30+ years combined commercial banking experience, you deserve to have Brian in your corner. 

For our bridge loan product we focus on asset based loans only. All of our deals must have a minimum loan amount of $200k, and we do not have a maximum. Some of our lending partners have access to funds over $1B. 

When you have a deal give us a call so we can begin the process. After we have a summary on the deal, we will request a list of documents called a “needs list” and with that information we can underwrite & process the loan request within 48 hours. Within that time frame of 48 hours, as long as the deal qualifies, we will issue preliminary terms on the deal that are backed by the lender directly. 

Our bridge program does not have set terms, like many lenders, we can be flexible with the terms if it makes good business sense on both ends to structure & fund unique deals. Our funds are usually hard money rates with short 1-2 year terms. If you qualify else where we will do the work to make it as smooth as possible for you to qualify & get funded through our partners. 1/3 of our business is through our private fund or other hard money options, 1/3 is through the SBA or conventional banks, and 1/3 is through life companies & large hedge funds.

Types of properties we finance:

Types of programs & loans we fund:

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When you have a deal give us a call so we can begin the process. After we have a summary on the deal, we will request a list of documents called a “needs list” and with that information we can underwrite & process the loan request within 48 hours. Within that time frame of 48 hours, as long as the deal qualifies, we will issue preliminary terms on the deal that are backed by the lender directly. 

Our bridge program does not have set terms, like many lenders, we can be flexible with the terms if it makes good business sense on both ends to structure & fund unique deals. Our funds are usually hard money rates with short 1-2 year terms. If you qualify else where we will do the work to make it as smooth as possible for you to qualify & get funded through our partners. 1/3 of our business is through our private fund or other hard money options, 1/3 is through the SBA or conventional banks, and 1/3 is through life companies & large hedge funds.

Types of properties we finance:

OWNER OCCUPIED

Owner of business is main occupant & direct borrower of the loan

  • 3 years tax returns on borrower personally

  • 3 years tax returns on borrowers business

  • Year-to-date profit and loss statement on business

  • Personal financial statement on borrower

  • Credit report on borrower

 

RAW LAND

Loans to facilitate purchase of wholly undeveloped pieces of property

  • Personal financial statement on borrower

  • Credit report on borrower

  • Pics on property

  • Appraisal or BPO on property

    For more information, feel free to contact us.