About Us
Get to Know Us Better
Our History
Main Street Business Loans started in the financial services industry in 2011. We offer a variety of loan solutions to best fit our customers’ needs. Experienced in Small Business Administration (SBA) and USDA lending. As a loan brokering firm, we work with direct lenders and specialize in offering our clients with high leverage and minimal cash investment, long terms to minimize debt service and flexible underwriting requirements that achieve the perfect results – key benefits, competitive rates and fast turnaround time.
Our Vision
Traditional lending doesn’t favor all businesses. Our team at Main Street Business Loans serves as an alternative lender offering innovative ways to secure credit with a fast-closing process for both traditional and alternative financing. We understand the complexities that face small and mid-sized businesses. We’re committed to helping them with the financing they need to achieve their goals while offering flexible terms and a simple loan process to make this happen as fast as possible.
Our Future
Main Street Business Loans has experienced what it takes to make a dream reality. What we also realize is that you’ve experienced the doubts, the late nights, and yes — the celebrations. But what we also know, is that for any idea that needs to be completed, flexibility is required; suddenly what’s unknown becomes a possibility — not fear. We get it.
Why Choose Us?
1
Serious Savings
Buy a business or acquire
$500,000-$25,000,000 in Commercial Real Estate but 51% of property’s sq. ft. must be both occupied and used by business.
No investment properties (for flip or leasing).
No construction (for example, can’t purchase an empty lot then build a new structure).
Refinance a loan, debt or expand with an SBA(7a) loan or use our business Rent Replacement Option but new loan payment must be less than your current monthly lease payment with a low 6.00% to 7.25% rate.
(ex. $3,221 per month for 25 years on a $500,000 loan).
Purchase equipment, working capital, hire employees, marketing and advertising with
$30,000-$350,000 and a low 7.25% to 8.25% rate. (ex. $367 per month for 10 years on a $30,000 loan).
Must be a profitable business with positive cash flow.
2
Best Interest Rates
The interest rate on SBA loans will be variable based on Prime plus 1.5% to 6% or the
maximum allowable by the SBA; however, fixed rates may be available.
Each SBA loan will be repayable on a term of 7 to 25 years; however, longer or shorter
terms may be available.
Business Loans and non-SBA Loans have a fixed interest rate from 7.99% and have a 2 – 5 year repayment terms. Loans above $5,000,000 have a longer repayment term. These loans have monthly payments and no prepayment penalties.
Alternative Loan or Merchant Cash Advance (MCA) loan interest rates are determined reading the charts located here.
3
Easy Process
Once you’ve clicked the “apply now” button, you’ll be redirected to complete an online application. Next, Alternative Loan or Merchant Cash Advance (MCA) applicants need to upload or email your last 3 months of business bank statements to admin@unitedcashsolution.com .
Business Loan applicants may either wait for us to speak with you first or you can partially email or upload, the following documents:
1. Year-to-Date P & L (Jan. 1, 2019 – Aug. 31, 2019)
2. 2017 P & L (Jan. 1, 2017 – Dec. 31, 2017)
3. Balance Sheet (Jan. 1, 2017 – Dec. 31, 2017)
4. Your Most Recent Corporate Federal & Personal Tax Returns (2016 & 2017 if you have this. If not, 2015 will work just fine.)