Call us today to review your funding options and recommend best financing strategy quickly. No cost pre-qualification. Let us simplify the loan process for you.
All loan types below!
Small Business Loans
Simple. Fast. Convenient.
With a small business loan, you will receive a lump sum of working capital to use for your business. This is a hassle-free financing option where a fixed payment amount will be automatically deducted from your business bank account every day, week, or month. You can get a small business loan as small as $5,000 or as large as $500,000 and receive funding in as little as 24 hours.
If you're interested in a Small Business Loan, contact Diamond Financial today. Give us a call: 732-787-9191
With a small business loan, you will receive a lump sum of working capital to use for your business. This is a hassle-free financing option where a fixed payment amount will be automatically deducted from your business bank account every day, week, or month. You can get a small business loan as small as $5,000 or as large as $500,000 and receive funding in as little as 24 hours.
If you're interested in a Small Business Loan, contact Diamond Financial today. Give us a call: 732-787-9191
Business Acquisitions
If you’re looking for a loan to buy a business, this one is tailor-made for you.
Business Acquisitions (SBA)
If you’re looking for a loan to buy a business, this one is tailor-made for you.
Best Financing For Business Acquisitions
For nearly 30 years, Diamond Financial (Franchise Lenders) has been financing Business acquisitions (resales) nationwide with a high success rate on loan sizes from $150K – $5 million (SBA), $750K – $10 million+ (FranBank Conventional non -SBA) and $25K – $150K (FAST Plan – Alternative lending programs) such as UBLOC, Consumer Business Loan, Diamond Retirement Funding and LeverageLine.
At times, it requires a combination of the above, including a funding strategy to finance the down payment which is required for SBA and FranBank. Our experience with loan packaging and diversity of lending programs and Banks we work with continue to make us a leading source in the industry with a top reputation. You need a loan specialist to maximize your chance of approval. It is simply too risky to do it on your own. Banks are inconsistent and are always changing their loan criteria, loan sizes, preferred industries, and success rates. Most banks look for reasons to not finance a business purchase. Our lenders are mainly “Cash Flow” oriented and look for ways to get your loan request approved and funded!
For nearly 30 years, Diamond Financial (Franchise Lenders) has been financing Business acquisitions (resales) nationwide with a high success rate on loan sizes from $150K – $5 million (SBA), $750K – $10 million+ (FranBank Conventional non -SBA) and $25K – $150K (FAST Plan – Alternative lending programs) such as UBLOC, Consumer Business Loan, Diamond Retirement Funding and LeverageLine.
At times, it requires a combination of the above, including a funding strategy to finance the down payment which is required for SBA and FranBank. Our experience with loan packaging and diversity of lending programs and Banks we work with continue to make us a leading source in the industry with a top reputation. You need a loan specialist to maximize your chance of approval. It is simply too risky to do it on your own. Banks are inconsistent and are always changing their loan criteria, loan sizes, preferred industries, and success rates. Most banks look for reasons to not finance a business purchase. Our lenders are mainly “Cash Flow” oriented and look for ways to get your loan request approved and funded!
Criteria Summary For Business Acquisition Loan Program
- No cost, fast pre-qualifying of the financials of the business you are looking to buy.
- 1 – 2 day turn around on Q.R. Term Sheets (once a business is pre-qualified for a bank loan)
- Same day or next day personal pre-qualification letters (upon review of our personal financial statement (PFS). We do not pull credit.
- Assistance with listing business broker (if available) to gather financials to assess cash flow review.
- No application fee (SBA Loans)
- Quick loan packaging with assistance on loan projections and business plan.
- Your complete, custom loan package sent to strategically chosen and best “Cash Flow” preferred (PLP) SBA bank or FranBank Conventional Lender.
- Faster loan process (with our overseeing and managing your loan file).
- Review of loan approval letter (Commitment Letter) to confirm best possible rate and terms.
- Provide continued services to make sure your loan closes (funds) in a timely manner
- Multiple Banks on file in case of any issue, including having to repackage your loan request. We will do your “Loan Shopping” for you, saving you time and stress and money!
Apply Today!
SBA 7 (A)
Small Business Funding You Can Depend On
Our specialty is SBA financing, lending programs that are guaranteed by SBA to help you evaluate the possibility of financing a business, assist you through the application process, professionally package your loan application and work with you until loan closing and funding.
Our success rate is high for we know what is needed to get your loan financed. The best loan program is one that provides you with adequate capital to succeed in your new venture.
Our specialty is SBA financing, lending programs that are guaranteed by SBA to help you evaluate the possibility of financing a business, assist you through the application process, professionally package your loan application and work with you until loan closing and funding.
Our success rate is high for we know what is needed to get your loan financed. The best loan program is one that provides you with adequate capital to succeed in your new venture.
Financing Solutions For Any Franchise Need
Easy 3 Step SBA Loan Potential Call
(No Obligation-No Cost)
SBA 7 (A) Loans
If you are interested in acquiring a business or starting up or expanding your franchise, talk to Diamond Financial, the experts in business financing.
Small Business Funding You Can Depend On
Our specialty is SBA financing, lending programs that are guaranteed by SBA to help you evaluate the possibility of financing a business, assist you through the application process, professionally package your loan application and work with you until loan closing and funding.
Our success rate is high for we know what is needed to get your loan financed. The best loan program is one that provides you with adequate capital to succeed in your new venture.
Small Business Funding You Can Depend On
Our specialty is SBA financing, lending programs that are guaranteed by SBA to help you evaluate the possibility of financing a business, assist you through the application process, professionally package your loan application and work with you until loan closing and funding.
Our success rate is high for we know what is needed to get your loan financed. The best loan program is one that provides you with adequate capital to succeed in your new venture.
Highlights Of Our SBA 7(A) Loan Program
- Loan sizes from $150,000 - $5 Million+ (up to the maximum loan size as allowed by SBA, Both 7A & 504
- Term sheet issued within 48 hours of package receipt
- Interest rate P+2.75%
- 10 - 25% equity required for start-up loans and re-sales, 0% equity for remodels and 10% equity for expansions
- Maximum amortizations as allowed by SBA
- On-Line Loan Closing Checklist for each borrower
- Loans closed within 5 business days of completion of closing checklist
- Geographic Availability: all 50 states (no US territories)
- 10–25-year loan term, competitive variable and fixed rates, start-up, expansion, acquisitions, refi’s
- Flexible collateral options (High or 100% Collateral not needed)
- No-cost, fast pre-qualification
- Over 30 Bank relationships
Financing Solutions For Any Franchise Need
Easy 3 Step SBA Loan Potential Call
(No Obligation-No Cost)
1) Call us at (732)787-9191 and ask for Don Johnson – usually a 10–15-minute discussion.
2) Complete a simple Personal Financial Statement (PFS) or send us yours. (Note: we do not pull credit, share your personal information, or require your SS#).
3) Schedule a follow-up call and discuss the final analysis.
2) Complete a simple Personal Financial Statement (PFS) or send us yours. (Note: we do not pull credit, share your personal information, or require your SS#).
3) Schedule a follow-up call and discuss the final analysis.
SBA Express
If you are interested in starting up or expanding your franchise,
talk to Diamond Financial (DFS),
the experts in business financing.
We can answer all of your questions and get you started.
talk to Diamond Financial (DFS),
the experts in business financing.
We can answer all of your questions and get you started.
SBA Express
Small Business Funding You Can Depend On
Our specialty is SBA financing, lending programs that are guaranteed by SBA to help you evaluate the possibility of financing a business, assist you through the application process, professionally package your loan application and work with you until loan closing and funding.
Our success rate is high because we know what is needed to get your loan financed. The best loan program is one that provides you with adequate capital to succeed in your new venture.
Our specialty is SBA financing, lending programs that are guaranteed by SBA to help you evaluate the possibility of financing a business, assist you through the application process, professionally package your loan application and work with you until loan closing and funding.
Our success rate is high because we know what is needed to get your loan financed. The best loan program is one that provides you with adequate capital to succeed in your new venture.
Criteria Summary For SBA Express Loans
Criteria Summary For SBA Express Loans
- No down payment
- Start‐ups O.K.
- 6 ‐ 8% interest rate
- Much faster & easier then SBA 7(A)
- Approval within 5 – 7 business days
- National Bank source of funds
- 1.5% fee (of loan size due only upon successful funding) and 2% on loans $75K or less
- 10 year loan term
- 650+ Credit Score needed
- No prepayment penalties
- Working capital included
- No Collateral required
Apply Today!
Get started today!
Commercial Real Estate Loans Nationwide
Providing You With The Best Commercial Real Estate Financing Solution Is Our Priority!
Commercial Real Estate Application
Information On our Real Estate Financing Solutions
Diamond Financial Services provides commercial real estate mortgages in all 50 states. We are well known for offering competitive commercial loan interest rates, professional services, and our simplified loan process, and we offer a vast variety of lending vehicles. We have access to a wide variety of lenders which gives us the ability to provide commercial loans at wholesale pricing.
Diamond Financial Services mainly targets owner occupied and investment properties over $250K and specializes in franchise owners who want to purchase the building they operate in or who want to move their business to a commercial building. We can also assist owners who want to buy out their partner(s) while simultaneously purchasing the real estate. Reach out to us to review your CRE Loan potential today!
Diamond Financial Services mainly targets owner occupied and investment properties over $250K and specializes in franchise owners who want to purchase the building they operate in or who want to move their business to a commercial building. We can also assist owners who want to buy out their partner(s) while simultaneously purchasing the real estate. Reach out to us to review your CRE Loan potential today!
Property Types
We usually offer an initial indication of approval in days, not weeks or months.
Let's Get Started!
Commercial Real Estate Mortgages offered in all 50 states with competitive interest rates and a variety of lending vehicles. We are here to help you grow and succeed!
Please call our office to get fast pre-qualified and discuss your loan request at 732-787-9191
Please call our office to get fast pre-qualified and discuss your loan request at 732-787-9191
UBLOC
A Credit based program that uses personal credit to fund your franchise/business.
A Credit based program that uses personal credit to fund your franchise/business.
Criteria Summary For UBLOC
- 0% APR for 6 – 12 months with 10-16% Apr after promotional period
- Non-SBA (only criteria are credit history & score)
- Working Capital needs for existing franchisees
- No restrictions on usage of funds
- Not reported to personal credit
- No Personal or business collateral required
- Easy to apply / 3 business days for a decision
Unsecured Business Financing Program
Unsecured Business Financing Program
STATED INCOME
UNSECURED
TYPICAL RESULTS
TYPE OF FUNDING
INTEREST RATES
TIMING
PRE-QUALIFYING
SUCCESS FEE
EXISTING BALANCE TO LIMIT
SOFT CREDIT PULL
STATED INCOME
UNSECURED
TYPICAL RESULTS
TYPE OF FUNDING
INTEREST RATES
TIMING
PRE-QUALIFYING
SUCCESS FEE
EXISTING BALANCE TO LIMIT
SOFT CREDIT PULL
Let's Get Started!
Please call our office to get fast pre-qualified and discuss your loan request at 732-787-9191
Consumer Business Loan
The Term Loan program is either an add-on to, or in lieu of, the UBF program when the applicant meets eligibility and is agreeable to either a portion – or all – of their funding supplied in the form of cash term loans with a fixed monthly re-payment.
Criteria Summary
Low Documentation
Just need proof of identity and proof of income. If W-2 employee, will need last two pay stubs. If self employed, will need most recent business and personal tax returns. Banks will go by Adjusted Gross Income.
Unsecured
This program is completely non-collateralized, but every application still requires the personal guarantee of the applicant.
Type Of Funding
The funds can be used for business purposes but this program is based entirely on consumer financing consisting of mostly Term Loans, but sometimes include Lines of Credit (with check writing capability). All accounts will report on personal credit.
Interest Rates
The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).
Just need proof of identity and proof of income. If W-2 employee, will need last two pay stubs. If self employed, will need most recent business and personal tax returns. Banks will go by Adjusted Gross Income.
Unsecured
This program is completely non-collateralized, but every application still requires the personal guarantee of the applicant.
Type Of Funding
The funds can be used for business purposes but this program is based entirely on consumer financing consisting of mostly Term Loans, but sometimes include Lines of Credit (with check writing capability). All accounts will report on personal credit.
Interest Rates
The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).
Criteria Summary
Interest Rates
The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).
Pre-Qualifying
Applicant needs at least a 650 FICO and over $35,000 in annual income (Adjusted Gross Income), but an actual pre-qualification will depend on Debt-to-Income ratio. *650+ FICO and $35k+ income does not guarantee eligibility.
Timing
The process takes about 3-5 weeks, plus or minus, depending on the situation.
Success Fee
There are no upfront nor any recurring fees. Once the funding has been established, the company is due its Success Fee, which is a percentage of the total aggregated funding. The Success Fee can be conveniently paid with proceeds from the new funding.
Soft Credit Pull
If the applicant doesn’t have an account with a credit monitoring website where they can share their report with us, we can run credit without a hard inquiry.
The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).
Pre-Qualifying
Applicant needs at least a 650 FICO and over $35,000 in annual income (Adjusted Gross Income), but an actual pre-qualification will depend on Debt-to-Income ratio. *650+ FICO and $35k+ income does not guarantee eligibility.
Timing
The process takes about 3-5 weeks, plus or minus, depending on the situation.
Success Fee
There are no upfront nor any recurring fees. Once the funding has been established, the company is due its Success Fee, which is a percentage of the total aggregated funding. The Success Fee can be conveniently paid with proceeds from the new funding.
Soft Credit Pull
If the applicant doesn’t have an account with a credit monitoring website where they can share their report with us, we can run credit without a hard inquiry.
Equipment Leasing
Leasing is an affordable way to acquire equipment quickly without huge out of pocket expenses. At Franchise Leasing we can assist your franchise with all your leasing needs.
Build Your Business With Equipment Financing
When your business needs upgraded equipment or technology to better serve your customers, you need access to payment options quickly. Franchise Lenders is here to help.
Criteria Summary For Equipment Leasing
- No Down payment/12-60 months term
- No personal collateral required
- Easy application, fast approval
-
Conserves working capital for other investments
Tax advantages
100% Franchise Remodel Financing
Funded over $850 million in leases and loans.
Ready For A Financing Partner Who's Focused On Your Success?
We offer 100% financing for re-model, reimage, and refreshing franchise concepts with 3+ years’ time in business. This can include 50% equipment and 50% construction cost over 24-60 month terms. We pride ourselves in 24 hour approvals and fund in 3-10 business days. No cost or obligation quote.
Benefits & Services
Benefits & Services
- 24 Hour Approvals
- Tax Write-Offs
- 24 - 60 Month Terms
- Build Business Credit
- 100% Financing
- Law Fixed Monthly Payment
- No Personal Collateral
- Simple Documentation
- Preserve Capital
- Off-Balance Sheet Financing
Top Industries We Serve
Restaurants
Fitness
Automotive
Hospitality
Spa
Saloon
Restoration
Retail
Construction
Manufacturing
Titled Vehicles
Fitness
Automotive
Hospitality
Spa
Saloon
Restoration
Retail
Construction
Manufacturing
Titled Vehicles
LeverageLine for Securities Owners
A fully licensed, FINRA/SIPC wholesale credit line facility custom-designed for the franchise, business-buying, and commercial real estate client seeking low-cost, high-LTV financing against their stock, bond, or mutual fund portfolio.
Finance It Your Way. Put Your Portfolio To Work. Twice.
You’ve probably been through the standard financing process before. You updated your personal financial statement, gathered up five years of tax returns, bank statements and whatever else the banker required. You filled out all the forms, went to the interview, then prayed for good news.
We don’t finance that way; we offer industry leading LeverageLine simplicity instead. We finance using your stocks, bonds, or other securities serving as collateral that stay in your own account – and nobody else’s.
Your LeverageLine financing allows you to put two asset classes to work, not just one. Keep your securities growing for you while you access the lowest interest rates, highest loan-to-value and quickest delivery in the market today to fund your business investment.
But There's More. Much More.
Let’s start with paperwork and qualifying. Your bank will typically ask for evidence of every asset you own as well as your credit report and tax records. That can spell delays, uncertainty, high costs, and lost opportunities. Your transaction is reported to credit bureaus. Your banker decides which investments are “prudent” when determining their offer.
Again, not so with LeverageLine. Here’s what you need to qualify for up to 95% loan-to-value at rates below the best mortgages: Grab a copy of your brokerage statement and apply via a simple, one-page, secure online application. That’s it. You’re approved.
Where’s the catch?
Sorry. No catch.
From Ideas...To You
LeverageLine's Client-Requested Features
Your LeverageLine comes pre-packed with many unique features that sets this financing programs apart from any other securities-based credit line. It’s built from the ground up with your input, and we are adding new features regularly.
We don’t finance that way; we offer industry leading LeverageLine simplicity instead. We finance using your stocks, bonds, or other securities serving as collateral that stay in your own account – and nobody else’s.
Your LeverageLine financing allows you to put two asset classes to work, not just one. Keep your securities growing for you while you access the lowest interest rates, highest loan-to-value and quickest delivery in the market today to fund your business investment.
But There's More. Much More.
Let’s start with paperwork and qualifying. Your bank will typically ask for evidence of every asset you own as well as your credit report and tax records. That can spell delays, uncertainty, high costs, and lost opportunities. Your transaction is reported to credit bureaus. Your banker decides which investments are “prudent” when determining their offer.
Again, not so with LeverageLine. Here’s what you need to qualify for up to 95% loan-to-value at rates below the best mortgages: Grab a copy of your brokerage statement and apply via a simple, one-page, secure online application. That’s it. You’re approved.
Where’s the catch?
Sorry. No catch.
From Ideas...To You
LeverageLine's Client-Requested Features
Your LeverageLine comes pre-packed with many unique features that sets this financing programs apart from any other securities-based credit line. It’s built from the ground up with your input, and we are adding new features regularly.
From Ideas...To You
LeverageLine's Client-Requested Features
Your LeverageLine comes pre-packed with many unique features that sets this financing programs apart from any other securities-based credit line. It’s built from the ground up with your input, and we are adding new features regularly.
- No transfer of title of securities to lender — no ownership change.
- Securities remain in your solely-owned brokerage account at UBS at all times.
- Your account at your lending brokerage is identical to any modern US account.
- You can integrate your existing advisor to assist with trades if you wish.
- You can trade in your account as always (with minor limitations).
- You pay interest only on what you draws, with no other lender-side fee.
- Rate is a discounted base plus 30-day LIBOR
- Our clients receive preferred service via A. B. Nicholas' institutional partnerships.
- You have 24/7 online access, reports on demand, access to your advisor for free.
- You can access your funds in eight business days on average; draw what you want/need.
- You will receive a checkbook and can wire at no cost via phone.
- You are building a financial relationship with a top-tier, fully licensed SIPC/FINRA brokerage/banking firm.
- Your advisor is a fully licensed Certified Financial Planner/RIA and FINRA member.
- Your LeverageLine quote is best in market.
- Capital gains taxes occur with a sale/ownership change; neither occur with LeverageLine.
Diamond Retirement Funding
Our Diamond Retirement Funding (DRF) program is the key to your personal & commercial financial future. This is not a loan or credit program; we’ll simply unlock your stagnant retirement account to make your money available to you now. We will not only free up your assets but also create an equity opportunity for your retirement account to grow alongside your business.
Features & Benefits
- Fast funding in 2-3 weeks
- Avoid penalties or taxable distributions
- Start debt-free and reach profitability faster
- Buy a new franchises or an existing business
- Money can be used for any normal business expense including collateral for a loan
- You can pay the fees on the back-end
Diamond Franchise Funding
Estimated Days: 20-30 Days
Estimated Days: 20-30 Days
Is Diamond Retirement Fund Legal?
Many business owners unfamiliar with the DRF program are interested to learn about its legality and history. Here is a brief history of the program and some of the most frequently asked questions.
Why is DRF legal?
In short, retirement law specifically allows these transactions, as long as you follow the rules. The Employee Retirement Income Security Act of 1974 (or ERISA) is a federal law that governs retirement accounts. It has specific guidelines which allow businesses to sell their company stock to employee retirement accounts in exchange for cash. As long as your business abides by these requirements, the DRF is legal.
Why can't I use my self-directed IRA?
You cannot work at a business in which your IRA invests. If you have any responsibility of an officer or director, you become a “disqualified person.” An IRA does not meet the requirements of an eligible individual account plan.
Why is DRF legal?
In short, retirement law specifically allows these transactions, as long as you follow the rules. The Employee Retirement Income Security Act of 1974 (or ERISA) is a federal law that governs retirement accounts. It has specific guidelines which allow businesses to sell their company stock to employee retirement accounts in exchange for cash. As long as your business abides by these requirements, the DRF is legal.
Why can't I use my self-directed IRA?
You cannot work at a business in which your IRA invests. If you have any responsibility of an officer or director, you become a “disqualified person.” An IRA does not meet the requirements of an eligible individual account plan.
Conventional Franbank
Acquisition and Expansion Financing for Franchise and Non-Franchise Businesses. FranBank is a preferred lending solution to many franchise systems offering capital readiness programs and capital procurement.
Providing You With The Best Franchise Financing Solution Is Our Goal
FranBank is a specialty financing program designed for franchisees of approved franchise brands and for independent, non-franchise businesses. Our network of conventional bank partners provides an alternative to current traditional conservative and time consuming lenders.
Qualified candidates are offered capital finance for their franchise and business acquisition or expansion requirements, at or below conventional loan rates. Closings can occur within 45 days on an expedited basis.
The benefit of FranBank is, through our detailed modeling, our ability to collateralize the cash flow of your existing and that of the target business. This generally allows for much lower cash injection (down payment) than would otherwise be required – something that expanding businesses find very attractive.
Qualified candidates are offered capital finance for their franchise and business acquisition or expansion requirements, at or below conventional loan rates. Closings can occur within 45 days on an expedited basis.
The benefit of FranBank is, through our detailed modeling, our ability to collateralize the cash flow of your existing and that of the target business. This generally allows for much lower cash injection (down payment) than would otherwise be required – something that expanding businesses find very attractive.
Obtain The Loan You Deserve
- Direct lender relationships
- Term Sheet and commitment available within 14 days
- Target loans are at conventional rates and generally in the 4.5 - 7.5% range
- Strong emphasis on Franchisee track record, de-emphasizing personal collateral where possible
- Loan sizes from $1 million to $10 million, but can be higher on a case by case basis
- All out of pocket fees are generally credited against your equity contribution
- Lender fees are payable at closing DFS fee only if successful funding
- Loans are generally amortized over 7 - 10 years, longer for real estate based transactions
- Pro-Franchise conventional Lender partners
What Transactions Qualify?
What Transactions Qualify?
Acquisition financing for single-unit, multi-unit & regional / area developments
Funding for candidates seeking additional unit(s)
Financing for equipment and leasehold improvements
Refinancing/combination financing
Why FranBank?
Loans starting at $1 million. Typical loans range from $1 to $10 million but can by higher on a case by case basis.
SPEED
We usually offer an initial indication of approval in days, not weeks or months.
SIMPLICITY
Our team of advisors will assist you through the underwriting maze making the loan placement process significantly less complex.
CUSTOMIZATION
Each individual is unique with their own reasons for expanding their franchise business. We design a loan package that best suits your needs.
Acquisition financing for single-unit, multi-unit & regional / area developments
Funding for candidates seeking additional unit(s)
Financing for equipment and leasehold improvements
Refinancing/combination financing
Why FranBank?
Loans starting at $1 million. Typical loans range from $1 to $10 million but can by higher on a case by case basis.
SPEED
We usually offer an initial indication of approval in days, not weeks or months.
SIMPLICITY
Our team of advisors will assist you through the underwriting maze making the loan placement process significantly less complex.
CUSTOMIZATION
Each individual is unique with their own reasons for expanding their franchise business. We design a loan package that best suits your needs.
Learn More About Your Financing Options
Contact us today to speak to a business loan consultant.