{"id":887,"date":"2022-02-09T14:45:01","date_gmt":"2022-02-09T22:45:01","guid":{"rendered":"https:\/\/crivellocapital.com\/?p=887"},"modified":"2022-02-28T11:24:29","modified_gmt":"2022-02-28T19:24:29","slug":"what-do-i-do-if-im-non-bankable","status":"publish","type":"post","link":"https:\/\/crivellocapital.com\/what-do-i-do-if-im-non-bankable\/","title":{"rendered":"What do I do if I&#8217;m non-bankable?"},"content":{"rendered":"\n<p>Being non-bankable used to be like not having a college degree.&nbsp; People looked at you sideways and wondered what was wrong with you.&nbsp; But that\u2019s not the case anymore with either of those states of being because the world is evolving and the old way of doing things is\u2026 well, it\u2019s not.&nbsp;<\/p>\n\n\n\n<p>At Crivello Lending we\u2019re not interested in the forms banks have you fill out or the hoops you have to jump through to get a bank loan.&nbsp; We\u2019re interested in how resourceful you are, how reliable you are and whether our investment is redeemable.&nbsp;<\/p>\n\n\n\n<p>Honesty is at the core of everything we do, so let\u2019s be honest.&nbsp; Banks don\u2019t lend to people because they can\u2019t see the first for the trees.&nbsp; They look a t a narrow set of numbers and that\u2019s all they see.&nbsp;<\/p>\n\n\n\n<p>We see the work that has gone into building your business, the creativity that is going into your enterprise and factor in all of the elements of your ability to repay before discussing what options we can offer.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"some-common-loan-structures-include\">Some common loan structures include:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"factoring-ar-lending\">FACTORING (AR Lending)<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.cfgroup.net\/glossary\/factoring\/\">Factoring<\/a>&nbsp;is the same as <a href=\"https:\/\/www.cfgroup.net\/glossary\/accounts-receivable\/\">accounts receivable<\/a>&nbsp;lending. The borrower pays a percentage of the total amount of accounts receivables sold.. This allows businesses with aging Ap to get cash immediately&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"asset-based-lending\">ASSET-BASED LENDING<\/h3>\n\n\n\n<p>Asset-based loans use your assets as collateral for a loan or line of credit you can draw on on an as-needed basis.\u00a0<\/p>\n\n\n\n<p>An Asset-Based Loan is usually determined by\u00a0a borrowing base (a percentage of the value of the collateral, usually 75% to 85% of the value of the AR, or 50% of the value of inventory and equipment. Because it\u2019s based on your assets, your financing can grow with you.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"at-crivello-lending-we-are-not-tied-to-what-others-have-done-before\">At Crivello Lending, we are not tied to what others have done before.\u00a0 <\/h3>\n\n\n\n<p>We look at your business and talk to you to find creative solutions for your lending needs.\u00a0 You need money, we have money, we should talk.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Businesses who are non bankable are not pariahs anymore.  We look at the whole business, not just the forms banks look at to determine credit-worthiness. <\/p>\n","protected":false},"author":2,"featured_media":889,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20,2],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What do I do if I&#039;m non-bankable? - Crivello Capital<\/title>\n<meta name=\"description\" content=\"Businesses who are non bankable are not pariahs anymore. 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