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Kingrise Finance Limited is a
leading financial services provider that was incorporated on September
22, 1999 with company registration number: 068907.
We are the leading providers of
Business Loans, SME Loans, International Project Financing, recourse Loans, Non
Recourse Loans, Letter of Credit, Standby Letter of Credit, Bank
Guarantee, Performance Guarantee Bond, Tender Bond Guarantee, Advance
Payment Guarantee, Bank Comfort Letter etc…
Our bank instruments are issued from prime banks such as Barclays Bank London, Standard Chattered Bank,
HSBC Hong Kong or any rated AAA
bank of your choice. Our financial instruments are Cash-Backed and Stand
as Obligation from our Bank on behalf of our Clients for their Credit
needs, Business and Project Financing. All our Bank Instruments can be
used to secure Funding for Projects, Business Expansions, Discounting,
Monetization and Private Placement Programs (PPP).
WHAT IS BUSINESS LOAN? A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. There are a number of different types of business loans, including bank loans, mezzanine financing, asset-based financing, invoice financing, microloans, business cash advances and cash flow loans.
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TYPES OF BUSINESS LOAN:
Bank loan: A bank loan may be obtained from a bank and may be either secured or unsecured. For secured loans, banks will require collateral, which may be lost if repayments are not made. The bank will probably wish to see the business’s accounts, balance sheet and business plan, as well as studying the principals’ credit histories. Many businesses are now however turning towards Alternative Finance Providers such as KINGRISE FINANCE LIMITED https://www.kingrisefinance.com/services.html
SBA loans: The US Small Business Administration (SBA) does not make loans; instead it guarantees loans made by individual lenders. The main SBA loan programs are SBA which includes both a standard and express option; Microloans (up to $50,000); 504 Loans which provide financing for fixed assets such as real estate or equipment; and Disaster loans. In FY 2016, total volume was $11,967,861,900 and total 504 loan volume was $2,517,433,000.
Mezzanine finance: Mezzanine finance effectively secures a company’s debt on its equity, allowing the lender to claim part-ownership of the business if the loan is not paid back on time and in full. This allows the business to borrow without putting up other collateral, but risks diluting the principals’ equity share in case of default.
Asset-based finance: Once considered the finance option of last resort, asset-based lending has become a popular choice for small businesses lacking the credit rating or track record to qualify for other forms of finance. In simple terms, it involves borrowing against one of the company’s assets, with the lender focusing on the quality of the collateral rather than the credit rating and prospects of the company. A business may borrow against several different types of asset, including premises, plant, stock or receivables.
Invoice finance: In recent years, it has become increasingly difficult for SMEs to obtain traditional finance from banks. Alternative options are invoice discounting or factoring, whereby the company borrows against its outstanding invoices, with the ability to obtain funds as soon as new invoices are created. It is often questioned which option is best for your business – factoring or discounting – and the answer depends on how the business wants to be perceived by customers. With factoring, the finance company charges interest on the loan until the invoice is paid, as well as fees, and the finance company takes ownership of the debtor ledger and uses its own credit control team to secure payment. With invoice discounting, the business maintains control of its own ledger and chases debts itself.
Microloans: Smaller loans, usually for loan amounts of $100,000 USD or less, are referred to as “microloans.” Banks are less likely to make these loans than alternative lenders. When they do, the decision is usually based on the personal credit score of the business and/or the business credit score.
Online Lenders: There has been a rise in the number of online lenders offering small business loans. Online alternative lenders originated an estimated $12 billion in small business loans in 2014, with unsecured consumer loans representing $7 billion and small business loans accounting for approximately $5 billion. Nonbank lenders that make small business loans have doubled their outstanding portfolio balance every year since 2000. Some online originate loans from their own capital. Others may use a “marketplace” model, in which they match borrowers to loan products from a variety of lenders. Others use crowdfunding platforms that allow businesses to raise capital from a wide variety of sources.
Secured and unsecured business loans: Business loans may be either secured or unsecured. With a secured loan, the borrower pledges an asset (such as plant, equipment, stock or vehicles) against the debt. If the debt is not repaid, the lender may claim the secured asset. Unsecured loans do not have collateral, though the lender will have a general claim on the borrower’s assets if repayment is not made. Should the borrower become bankrupt, unsecured creditors will usually realise a smaller proportion of their claims than secured creditors. As a consequence, secured loans will generally attract a lower rate of interest.
Lenders that make business loans often use a UCC filing to alert other creditors of their security interest in the property of the business. UCC filings may be placed against specific assets, or a blanket UCC filing secures interest in all property. UCC filings may affect the business credit score and may make it more difficult to obtain subsequent financing.
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Also, we are non recourse loan lenders, non recourse loan providers, non recourse business loans, non recourse loan companies, non recourse commercial loans, non recourse commercial loan lenders, bank guarantee funding, how to get a non recourse loan,
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Why Choose Us?
- Fast Turnaround
- Best Top Rated Banks
- Competitive Low rates
- No prepayment penalty
- 2 Days for Commitment
- Extremely Satisfied Clients
- WE KEEP OUR PROMISE
- 20 Years of Experience & Trust
- No Personal Collateral Required
- Solutions for every customer & every industry.
- Loan amounts from $1 million to no maximum.
- Fast Approvals & Fast Funding- Closing in as little as 5 days
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