Types Of Financing

Unsecured Business Lines of CreditCirqa Financial specializes in Unsecured Business Lines of Credit. These business lines of credit do not require collateral and include anything from smaller business credit card solutions up to individual lines of credit for $500,000. How much the business owner qualifies for depends on the credit profile and the size and profitability of the business. Start-up companies with no established revenue and a business owner or partner with a good credit file can normally expect to receive between $25,000 – $100,000. Established businesses with revenues of $1,000,000 up to $10,000,000 can expect between $100,000 – $2,500,000 with no collateral if they qualify with their financials and credit. These are A-Paper products, so the rates are very good. They range from 0% introductory offers on business credit card solutions to 1-5% over prime for the larger lines of credit. We also offer “Subprime” Unsecured Lines.
Feel free to speak to one of our representatives about obtaining an unsecured line of credit.

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-Unsecured Personal Loans – refers to any type of loan or general obligation that is or is not collateralized by a lien on specific assets of the borrower.

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– Leasing is a contract by which an asset is rented for a specified period of time and Sale-Leaseback is a sale and concurrent re-leasing of some business related asset to free working capital and/or for preferential tax treatment.

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-The purchase of a current loan/lien from the lien holder (investor/bank) at a discounted rate to free working capital.

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Private Equity/Joint VentureCirqa Financial has had remarkable success helping companies introduce Equity or Joint Venture capital into their businesses. With our numerous strategic alliances and expertise in the private investment arena, Cirqa Financial can provide a broad investment mandate, including re-capitalizations, management buyouts, corporate divestitures, leveraged buyouts and growth capital, and can pursue quality investments in all industries.

Some of the points that our firms look for in a potential investment:

  • Strong management team
  • Significant growth potential
  • Ability to create value
  • Ability to generate cash
  • A clearly defined exit strategy

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FranchiseWhen it comes to franchise financing, there is no better place to obtain financing than with Cirqa Financial. No matter if you’re a first time owner, or have multiple locations, we have the ability to get the financing you need from $150,000 to over $2,000,000.

We offer a variety of financing options for purchasing real estate or equipment, new construction or remodels, acquisitions, or refinancing. We offer a fast pre-qualification process for your franchise loan.

Our Franchise Financing program includes:

  • Up to 90% LTV
  • Extra cash for Working Capital
  • Rates as low as 6%
  • Fast closing and commitments
  • First time owners
  • Up to 25 year terms
  • No Pre-Payment Penalties

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Cirqa Financial is highly experienced in providing our clients with Commercial Bridge Loans and Hard Money Loans in a short amount of time. Because of our numerous partnerships with private institutional investment firms, we can provide the capital you need, within the time frame that you need it.

Hard Money Loans Criteria and Rates:

  • Loan Size: $100,000 to $100,000,000
  • Lending Area: National and International
  • Collateral: We lend mainly to commercial real-estate, including raw land and development projects
  • Interest Rate: Very Competitive rates depending on collateral
  • Amortization: Interest Only Option
  • LTV: Up to 90%
  • Origination Fee: Varies
  • Closing time: 5 Days to 1 Month

Bridge and Hard Money Loans

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Car Dealer Financing and Floor PlanningThink of Cirqa Financial for all of your auto financing needs. We provide extensive resources that can help you drive your dealership toward greater success.

While some of our competitors are centralizing their operations, we are committed to staying near our dealers to provide quick, flexible credit decisions and fast, local funding. With access to Regional Business Centers serving 47 states across the country, you’re served by auto financing professionals with extensive local market knowledge and expertise. You also have access to an array of banking services such as real estate, floor-plan, and working capital financing to help you operate your dealership more efficiently and profitably.



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We can provide your business with a merchant cash advance against its merchant account of up to $200,000 per business location. An alternative to a small business loan, these funds against all future credit card sales (Visa, MasterCard, American Express, Discover, etc.) are typically available within 7 days or less. Use the money how ever you see fit: inventory, expansion, advertising and more.
Benefits include:

  • No Application Fee
  • No Closing Costs
  • No Fixed Payments
  • No Equity Loss
  • Easy Payback

Get on track today to provide your business the cash it needs to grow and operate.

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Health Care and MedicalWe provide loans to doctors, dentists, chiropractors and veterinarians. We can offer your practice working capital, debt consolidation, equipment financing, expansion loans, improvement loans and practice acquisition loans.


Working Capital

Practice loans to medical professionals can be used as they see fit to enhance the practice. Terms to 72 months with no upfront payments and the loan is not reported to the personal credit bureau. The proceeds of these loans can be used for almost any purpose.

  • Personal Needs, Debt Consolidation, Practice Expansion
  • Application Only to $75,000. Full Financials up to $750,000.
  • Medical Equipment Leasing
  • Practice Acquisitions

This program is the perfect option for the Health Care Professional looking for exponential growth. Whether buying into a practice, or just buying out a current partner, Cirqa Financial has the capital to meet your growth needs. 100% Financing offered to all qualified medical professionals.

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Cirqa Financial has the resources to refinance your debt into one low monthly payment. We can approve you in 24 hours and in a week’s time, pay off your total debt. Don’t let revolving debt take over your practice. Cirqa Financial is highly experienced in providing solutions to your capital needs.

Please contact us today. We will provide you an application, or, if you prefer, one of our qualified professionals will contact you with all of the details.

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$100,000 to $50,000,000 – Cirqa Financial offers a diverse mix of commercial real estate loans to meet the individual borrowing needs and investment objectives of its borrowers, for both investment and owner-occupied commercial properties. Our knowledge and depth of expertise maximizes efficiency and becomes your advantage.
Program Details:

  • Up to 80% Financing
  • Flexible debt-to-income (DTI) underwriting approach
  • Rates as low as 6.5%
  • Fixed and variable rate programs
  • Refinance – cash out
  • Quick Closings – 30 to 45 day closings

Property Types:

  • Multifamily
  • Mixed Use
  • Flagged Hospitality
  • Industrial
  • Mobile Home Parks
  • Self-Storage
  • Retail
  • Warehouse
  • Gas Stations
  • Restaurant
  • Unflagged Hospitality
  • Health Care
  • Funeral Home
  • High Rise Office Buildings
  • Working Farms
  • Houses of Worship

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