Commercial Capital Loan Programs

There are numerous commercial loan programs out there that can help your business grow. DTP Capital Partners can help you with the documentation needed to get through the approval process much faster than if you were to try it on your own.

Click on any of the loan programs below to expand the bar to read more details on the program itself.

A delayed draw term loan is similar to a term loan but features a provision that the borrower can draw certain amounts of the loan at mutually agreed upon times or mutually agreed upon milestones.

Purpose: Expansion, dividends, buyouts, refinancings, etc.

Typical Collateral: All asset lien, real estate, equipment, other fixed assets

Amortization: 3 to 7 years

Term: 3 to 5 years

Interest only period: 6 months to 1 year

Pricing: Libor + 2.5% to 9%

Loan size: $1MM to $100MM+

Venture debt is financing provided to venture-backed organizations that are early in their life cycle and typically burning cash.

Purpose: Expansion, growth capital

Typical Collateral: All asset lien, A/R, IP, other fixed assets

Amortization: 3 to 5 years

Term: 3 to 5 years

Interest only period: 6 to 12 months

Pricing: Libor + 5% to 15%

Loan size: $1MM to $10MM+

Structures: Line of Credit, Term Loan, Royalty based line

Acquisition financing uses capital, typically in the form of a line of credit or loan. The borrower raises and then uses the capital to acquire another business.

Purpose: Acquisition

Cash Equity: 5% to 30%

Typical Collateral: All asset lien, real estate, equipment, other fixed assets
Amortization: 3 to 5 years

Term: 3 to 5 years

Interest only period: 6 months to 2 years

Pricing: Libor + 2.5% to 9%

Loan size: $1MM to $100MM+

SBA loans are government insured and allow lenders to provide capital when there is a collateral or cash flow shortfall, or limited operating history.

Purpose: Partner Buyouts, Working capital, and Expansion projects.

Typical Collateral: All asset lien of the borrower and personal guarantees from owners with more than 20% equity interest in the borrower

Pricing: Up to Prime + 2.75% (max permitted pricing)

SBA 7a Loan size: Up to $5MM

SBA 504 Loan size: Up to $25MM

This loan is the most common of all SBA Loans because eligibility is based upon the business and the principals.
Funds can be used for any type of business except those specifically prohibited by the SBA Regulations.
Primary consideration in the underwriting decision process looks to the repayment ability of the borrower from the cash flow of the business. Other factors as important as cash flow include management capability, collateral, and owner’s equity contribution
Loan proceeds may be used to start-up business, assist in the acquisition, operation, or expansion of an existing business, need for working capital or additional equipment, and construction (to name a few of the eligible uses)
SBA term length and amortization depends on whether the loan will be used for business only purposes, used in conjunction with real estate or a combination of both. Terms and amortizations can go from 10 years to 25 years.
SBA Loans are always recourse, which means that a personal guaranty for the repayment of the loan is required. Full recourse loans make the sponsors guarantying the loan responsible for any and all shortfalls between the loan balance and sales price in the event of default and foreclosure as well as any applicable legal and ancillary fees.

This is a line of credit business loan that’s secured by company collateral, such as product inventory, machinery, and more.

Purpose: Working capital

Typical Collateral: A/R and Inventory

Amortization: None – revolving line of credit

Term: 2 to 5 years

Pricing: Libor + 2% to 15%

Loan size: subject to borrowing base – $1MM to $100MM+

These loans must be used for particular purposes: To purchase equipment, machinery, furniture, fixtures, or other related materials; To purchase real estate including and buildings as well as ground up construction.
The SBA Regulations now allow an SBA 504 Loan to refinance debt. However, to refinance an SBA Loan, the Borrower must have had the original loan for a period of two years
There are three components to this loan: Borrower / Lender / SBA (CDC). The Borrower will contribute 10 – 20% of the transaction cost, the Lender and the CDC will contribute 50% each of the remaining balance. (CDC means Certified Development Corp and is an entity which is subsidized by the SBA).
The term and amortization length is different for the Lender and the CDC. The Lender will have terms up to 10 years with an amortization of 25 years. The CDC will have offer a term and amortization of 20 years
Personal Guarantees are always required for these loans. Full recourse loans make the sponsors responsible for any and all shortfalls between the loan balance and sales price in the event of default and foreclosure as well as any applicable legal and ancillary fees.
Prepayment penalties will be part of the loan terms. The Lender prepayment penalty will be on a 5 or 10 year basis. The CDC will have a 10 year term.

Specific financing that uses a borrower’s account receivables to establish funding.

Purpose: Working capital

Typical Collateral: A/R

Amortization: None – revolving line of credit

Term: 2 to 5 years

Pricing: Libor + 2% to 15%

Loan size: subject to borrowing base – $1MM to $100MM+

Invoice Factoring is quick and flexible. We can fund $5,000 a month up to $2.5 million a month
We utilize your account receivables as collateral and advance funds against the face value
Invoice factoring allows your credit line to grow with your sales cycle
Invoice factoring can have cash in your hands within 48 hours
This is not debt. Never worry about adding payments to your monthly expenses
If you experience 60-90 day delay in payment on product delivered invoices, factoring will keep your cash flow coming in regularly

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Loan Advisory Services

DTP’s loan advisory services program is a comprehensive service provided to companies seeking debt financing. The advisory program includes deliverables including loan structuring consultation, loan package preparation including professionally prepared transaction presentation summaries and debt placement and negotiation services. DTP Capital partners with capital sources nation-wide and keenly understands their investment criteria & underwriting guidelines. These cultivated relationships provide DTP Capital Partners with a definitive advantage for initial funding consideration for its’ clients based upon the trust built with the capital sources that the deals that are sent their way for consideration have been vetted by DTP and are presented only when the client is prepared for capitalization.

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Capital Advisory Services

DTP Capital clients, as part of our Capital Advisory services, will review your company and will provide a complimentary Preliminary Capitalization Assessment. This analysis and assessment will then be the basis for a further engagement. The assessment provides a objective analysis based upon the review of submitted business finance documentation for the desired funding goal. The goal is to get your company or investment opportunity to pass the assessment by filling any critical gaps, based upon stage of development, industry and capital type. This proven method identifies gaps required by capital sources for funding consideration. Once we get your company or investment opportunity to pass the assessment we will then be able to share with our capital partners. By taking this approach, your company is more likely to get the funding it needs and will additionally be far more prepared to succeed.

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