Alternative Lending Solutions
AllieGraceFunding.com offers a financial marketplace and operates similar to a brokerage, not a direct lender. We assist small businesses nationwide in finding the best funding solutions by working with a network of state agencies and trusted lending partners. Loan terms, rates, and approvals are determined by the lending institutions. Offerings and eligibility requirements vary by lender.
Please submit your contact info at the bottom of this page for more information. You can also ask any additional questions in the message box below.
Account Receivable Financing
This program provides advances on account receivables, allowing businesses to access cash before customers pay their invoices, with no application fees and flexible terms.
Book of Business Financing – Insurance Business
This program offers financing for insurance businesses based on their book of business, including options for acquisition, working capital, or business debt restructuring.
Business Lines of Credit
A Business Line of Credit (LOC) provides a flexible financing option that allows businesses to access funds up to a certain credit limit. Unlike a traditional loan, businesses only pay interest on the amount they borrow, rather than the full credit limit. This revolving credit facility helps businesses manage cash flow gaps, finance short-term needs, and cover unexpected expenses.
Business Revenue Lending
(Bank Statements)
This program offers loans based on consistent business revenue, which can be verified through business bank statements, with loan amounts ranging from $10,000 to $10 million.
Cannabis Business Financing
Cannabis Loans are specifically tailored to help businesses who have an interest in the marijuana industry. Unconventional financing products created to assist dispensaries or growers include private loans, business line of credit, unsecured term loans, invoice factoring, equipment leasing, commercial real estate loans, and dispensary cash advances (similar to inventory loans). Due to regulatory issues, qualifying for this type of financing typically varies by state and the terms may be more demanding for startups. Although collateral isn’t usually required, a personal guarantee may be necessary with certain lenders in select states.
CD-Backed Loan
A CD-Backed Loan (Certificate of Deposit-Backed Loan) is a type of secured loan where a borrower pledges a Certificate of Deposit (CD) as collateral in exchange for a loan from a financial institution. The borrower can access funds without cashing in their CD, and the CD continues to earn interest while serving as collateral. This type of loan is often used by individuals or businesses who wish to unlock liquidity from their CDs without losing the interest income.
Commercial Truck Loans
Commercial Truck Loans are specifically designed to help businesses finance the purchase or lease of commercial vehicles, such as trucks, vans, or specialized vehicles. These loans enable businesses in industries like transportation, logistics, or construction to acquire vehicles necessary for operations. The loan is typically secured by the financed vehicle, ensuring that the lender has collateral in case of default.
Credit Line Hybrid/Business Credit Cards
This program offers a revolving credit line through business credit cards, typically with a 0% APR for an introductory period, after which the rates increase based on creditworthiness.
Credit Union and Bank Signature Loans
A Signature Loan is an unsecured loan offered by banks and credit unions, where the borrower agrees to repay the loan based solely on their signature (i.e., the promise to repay). Since the loan is unsecured, no collateral is required. These loans are ideal for individuals who need a lump sum of money for personal use, such as debt consolidation, emergency expenses, home improvements, or other personal needs.
Crypto Financing
Crypto Financing allows individuals or institutional investors to access liquidity by using cryptocurrencies as collateral. This type of loan is designed for those who wish to leverage their cryptocurrency holdings without the need to sell them. By offering crypto-backed loans, clients can retain their crypto assets while gaining access to immediate funds for other investment opportunities, debt repayment, or other personal or business needs.
Customer List Monetization Loans
Customer List Monetization Loans allow businesses to leverage their customer database or customer lists as a form of collateral for financing. The loan is based on the future value of the business’s customer base, making it ideal for companies with a large, engaged customer list that can be monetized for future sales.
DSCR Loans
Debt Service Coverage Ratio (DSCR) Loans are a type of real estate financing that evaluates a borrower’s ability to repay a loan based on the income the property generates. DSCR is a key financial ratio used by lenders to assess the risk associated with a loan, particularly in investment properties. It is a measure of a property’s ability to cover its debt obligations using its operating income. These loans are commonly used for commercial real estate, rental properties, and multi-family units.
Equipment Financing
This program offers financing for purchasing equipment, with loan amounts up to $5 million and flexible terms, including special conditions for long haul trucking.
Equipment Leasing
Equipment Leasing allows businesses to acquire equipment without the high upfront costs. Rather than buying equipment outright, businesses can lease it for a specified period, with an option to purchase, renew, or return the equipment at the end of the lease term. This option provides flexibility, preserves cash flow, and helps businesses keep up with the latest technology without the risk of obsolescence.
Equipment Line of Credit
An Equipment Line of Credit provides businesses with flexible access to capital specifically for purchasing equipment or managing equipment-related expenses. Unlike traditional loans, a line of credit allows businesses to draw funds as needed, up to the approved credit limit. This makes it ideal for companies that need to purchase multiple pieces of equipment or want the flexibility to finance equipment on an ongoing basis as their business grows. Repayments can be made as funds are used, with interest charged only on the amount borrowed.
Equipment Loans
Equipment loans provide businesses with the necessary capital to purchase or lease new or used equipment. The equipment itself serves as collateral, meaning businesses can secure financing based on the value of the equipment they wish to acquire. This type of loan is ideal for companies in need of heavy machinery, vehicles, technology, or other operational equipment without disrupting their cash flow.
Fix and Flip Financing
Fix and Flip Financing is a short-term loan designed specifically for real estate investors who purchase properties to renovate and resell at a profit. These loans are typically used for residential properties that need repairs or upgrades before being resold. The financing covers the purchase price and renovation costs, and is paid back after the property is sold or refinanced.
Franchise Funding
Franchise Funding provides capital to individuals or businesses looking to start or expand a franchise. This type of financing helps cover startup costs, expansion, equipment, and other operational needs, offering flexible terms and competitive interest rates to support franchisees
Government Contract Financing
Government Contract Financing provides working capital for businesses that have secured government contracts. The financing is typically based on the accounts receivable from those contracts and helps businesses manage cash flow while waiting for payments from government entities.
Intangible Asset Financing
Intangible Asset Financing allows businesses to secure loans by leveraging luxury assets (like fine art, classic cars, jewelry, watches, and collectibles) or intangible assets (such as patents, trademarks, and other intellectual property). This financing is ideal for companies or individuals looking to unlock the value of assets that aren’t physical property but still hold significant worth.
Inventory Financing
Inventory Financing provides businesses with the capital they need by leveraging existing inventory as collateral. This type of loan is ideal for businesses that need quick access to cash but do not want to sell their inventory. The loan can help with purchasing more inventory, managing operational expenses, or bridging short-term cash flow gaps. By using inventory as collateral, businesses can unlock liquidity without sacrificing their assets.
Invoice Factoring
Invoice Factoring allows businesses to sell their outstanding invoices to a lender or factoring company in exchange for immediate funding. This provides businesses with quick access to capital, helping them manage cash flow while waiting for customer payments. fees and flexible terms.
IP-Backed Loans
IP-Backed Loans are a type of financing that allows companies to leverage their intellectual property (IP), such as patents, trademarks, copyrights, and trade secrets, as collateral. These loans are ideal for businesses with valuable IP assets but limited physical or cash collateral. IP-backed loans are often used for research and development, expansion, working capital, or strategic acquisitions, enabling companies to unlock capital tied up in their intellectual assets.
Leasehold Financing
Leasehold Financing allows businesses to secure loans using the leasehold interest in a property as collateral, where the property is located on leased land. This type of financing is ideal for borrowers looking to finance improvements or leverage a lease agreement that generates income.
License-Backed Business Loans
License-Backed Business Loans allow businesses to leverage their licenses (such as business, software, or franchise licenses) as collateral for funding. These loans provide working capital or growth capital by monetizing the value of the business’s intellectual property or licenses, helping businesses expand or improve operations.
Line of Credit
This program offers revolving credit lines of up to $750,000, with simple interest rates and the ability to only pay on the amount drawn.
Merchant Cash Advances
Merchant Cash Advances provide businesses with quick access to funds based on their daily credit card sales or revenue. This is not a loan in the traditional sense, but an advance on future sales. Repayment is made through a percentage of the business’s daily credit card receipts or revenue. MCAs are ideal for businesses that need fast access to capital and have a steady flow of credit card transaction.
Microloans
Microloans offer small loans to individuals or businesses, often aimed at helping startups, small businesses, or personal financial needs.
P2P Financing
P2P (Peer-to-Peer) Financing allows individuals or businesses to borrow money directly from investors, bypassing traditional banks and financial institutions. This type of financing offers competitive rates and flexible terms, making it an attractive option for those with good credit who want quick access to funds.
Patent Financing
Patent Financing provides businesses with capital by using their patents as collateral. This type of financing allows companies to leverage their intellectual property (IP) assets to secure funding for growth, R&D, or other business needs. It’s especially useful for businesses in tech, pharmaceuticals, and other innovation-driven industries.
PayPal, Square, Stripe
This program offers business funding through PayPal, Square, and Stripe by evaluating factors like your processing volume, customer base size, and account activity. Businesses using these platforms can qualify for funding based on their transaction history, without the need for traditional credit checks.
Personal Loans
Personal loans provide individuals with flexible funding options, ranging from small to large amounts, for various purposes such as debt consolidation, home improvement, or emergency needs.
Personal Loans (Sub Prime)
This loan program is designed for individuals who may have a lower credit score (typically below 640), making them ineligible for prime loan options. The loans can be used for a variety of personal expenses, including debt consolidation, medical bills, home improvements, or emergencies. These loans typically come with higher interest rates to offset the increased risk to the lender.
Personal Loan Stacking
This program is designed for individuals who seek to access larger sums of money by stacking multiple personal loans from different lenders or financial institutions. The purpose of this method is to allow borrowers to secure more funds than they might be able to obtain from a single loan. While this can offer more flexibility, it also carries increased risks such as managing multiple repayments, higher interest rates, and a potential negative impact on credit scores.
Portfolio Loans
A Portfolio Loan is a type of loan that is underwritten and held in-house by the lender, typically a bank or credit union, rather than being sold on the secondary mortgage market (like Fannie Mae or Freddie Mac). These loans are ideal for borrowers whose financial situation doesn’t meet the rigid requirements of traditional loans. A portfolio loan can be used for a variety of purposes, such as purchasing real estate, refinancing properties, or consolidating debt, and is often offered to individuals with unique financial circumstances.
Purchase Order Financing
This program provides financing based on existing purchase orders, with funds paid directly to the supplier to help businesses fulfill large orders.
Real Estate (Commercial)
This program offers loans for commercial real estate, including fix-and-flip, multi-family, and new construction projects. The program is designed for business owners or investors with equity in commercial properties.
​Retirement Account Financing
This program allows you to borrow up to 100% of your “rollable” retirement account value, such as a 401K or IRA, with no credit requirements.
Revenue Lending
Revenue Lending is a financing option for businesses that want to borrow money based on their monthly revenue, rather than their credit score or traditional collateral. It’s ideal for companies with consistent cash flow but less-than-ideal credit scores. The loan is repaid through a percentage of daily revenue.
Rollover as Business Startup (ROBS)
A ROBS plan allows individuals to use their retirement savings (such as 401(k) or IRA) to fund a new business or franchise without incurring penalties or taxes. This financing option is ideal for those who have a substantial amount in their retirement accounts and want to use those funds to invest in their business without taking out a traditional loan.
Sale-Leaseback Financing
Sale-Leaseback Financing program offers financing for titled equipment with loan amounts based on the equipment’s value, and flexible terms of 2 to 6 years.
SBA 7(a) Loans
SBA-backed loans for businesses, with funding amounts up to $5 million, flexible terms, and specific requirements for business profitability and personal credit.
SBA 504 Loans
SBA 504 Loans are long-term, fixed-rate financing options provided by the Small Business Administration (SBA) to help small businesses purchase real estate, machinery, and equipment. The SBA 504 program is designed for businesses that are looking to expand or acquire large fixed assets, such as commercial real estate or heavy equipment, without putting too much strain on their cash flow. It offers lower down payments compared to conventional loans and more favorable interest rates.
SBA Acquisition Financing
SBA Acquisition Financing is designed to help businesses acquire other companies, real estate, or assets with government-backed loans. These loans offer favorable terms and lower down payments compared to traditional financing, making it an ideal option for small businesses looking to expand through acquisitions.
SBA Credit Lines
SBA Credit Lines provide businesses with flexible access to working capital. These lines of credit are supported by the SBA (Small Business Administration), which helps reduce the risk for lenders, offering competitive rates and longer repayment terms for qualified businesses. Funds can be used for various purposes, including inventory, accounts receivable, and general working capital.
SBA Startup Loans
SBA Startup Loans are specifically designed to help new businesses get off the ground by providing access to affordable financing. These loans are offered through SBA-approved lenders and come with favorable terms, including lower interest rates and longer repayment periods compared to traditional business loans. The goal of SBA Startup Loans is to give entrepreneurs the resources they need to launch their business and ensure long-term success
Securities Financing
Securities Financing allows clients to borrow funds by leveraging their non-retirement, marketable securities as collateral. This type of loan is ideal for clients looking to access liquidity without having to liquidate their investments. The program offers flexibility in loan amounts, terms, and uses high-quality collateral to secure the loan, ensuring minimal risk for both parties.
Small Business Investment Companies
Small Business Investment Companies (SBICs) are privately-owned, government-regulated investment firms that provide funding to small businesses through equity capital and debt financing. SBICs are licensed by the U.S. Small Business Administration (SBA) and are designed to help small businesses that may not have access to traditional funding sources. The SBA guarantees a portion of the funds invested by SBICs, reducing the risk for investors and making it easier for small businesses to obtain necessary capital.
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