Merchant Advance

Merchant Financing is an alternative to traditional bank loans. EDIF offers a simple application process, minimal credit requirements and immediate access to working capital for your business. Repayment is flexible and based on your company’s credit card volume. Since repayment depends on sales, businesses often have an easier time servicing their obligations than with a business loan.

PO & Factoring

Purchase Orders & Factoring, sometimes called ‘Contract Funding’, are great for businesses that need financing during times of growth and expansion. Cash flow reserves can become insufficient when the supplier wants a business to pay upfront via C.O.D., and the buyer wants to purchase the goods on delayed terms.

Purchase Order & Factoring solve this problem by paying for the cost of the goods directly to your supplier on behalf of the manufacturer or distributor. Purchase order factoring frees up your cash for other critical business operational expenses such as paying for utilities or marketing.

Equipment Leasing

Some businesses need new expensive equipment to sustain operations. It is important to highlight that leases are not loans. On a cost-of-capital basis, equipment leasing may be the least expensive option.

Equipment leasing offers advantages over other financing methods: your bank credit lines are not affected, so you retain your bank borrowing capacity for other needs; Equipment leasing finances 100% of the equipment cost, leaving precious working capital for other needs; In many cases, equipment lease payments can be treated as a fully tax deductible expense; The equipment leasing process is faster, simpler, and often less costly than other equipment financing alternatives.

Second Look Program

Starting January 2011, the EDIF will review any business loans previously rejected by local banks. The idea behind the program is to help small business owners with working capital. Being rejected by a traditional lender does not mean that your business project cannot be funded.

Export Loans

The EDIF can help you finance 100% of your exports overseas. The organization also offers export insurance and guidance of overseas markets.

Real Estate Financing

EDIF can help you finance over 100% of the value of your property and advance you the capital you need to cov

er improvements, debt consolidation or cash out for other purchases and needs.Fixed and Variable rates, up to 25 years.

Rural Microloans

If you are a business owner located in Citrus, Sumter, Hermando, Hardee, Highlands, Okeechobee, Indian River, Glades, Henry, DeSoto & Collier, you are eligible for EDIF’s rural micoentrepreneur assistance. To learn more about the program, please contact us at info@edif.us

Acquisitions

Acquisition financing is the capital needed for the purpose of buying another business. These funds allow the purchaser to provide the seller capital immediately for the purchase. To learn how EDIF can help you with acquisition financing, contact us at info@edif.us