PHOENIX GROUP CAPITAL MARKETS
Our investment bank offers expert financing solutions for businesses. loan financing
About Phoenix Group Capital Markets
Our Philosophy
At Phoenix GRP Capital, we believe in building long-term relationships with our clients. We take a collaborative approach, working closely with clients to understand their goals, challenges, and opportunities. Our goal is to provide personalized, strategic advice that helps our clients achieve success. loan financing
Our Financing Solutions For Your Business
Working Capital Cash Flow Solutions
Merchant Cash Advance
We provide immediate working capital $100,000-$10 Mil based upon business cash flow unsecured.
Requirements for approval simply complete our one-page application and meet minimum requirements below:
1. $20K monthly Income
2. FICO 500+
3. Six Months Bank Statements
4. Max 3 Negative Days per Month
5. Minimum 5 Deposits per Month
6. Six months in business
*APPROVAL 24-48 HOURS WITH FUNDING IN 1-2 BUSINESS DAYS ON AVERAGE
SBA Term Loans and Unsecured LOC
We also provide preferred SBA 7(a) and 504 term loans min $500K-$5 Million, 10-year term rates as low as 6.99%. We provide unsecured lines of credit, equipment financing, unsecured term loans, factoring lines, purchase order financing, import and export trade finance internationally to lower middle markets companies. loan financing
Our Mission
Our Mission:
Phoenix Group Capital Markets, Inc. adds value to small and middle markets companies by providing fast working capital typically within 48 hours for early stage, growth and emerging companies when traditional banking says no. We provide debt financing, asset-based funding, revolving line of credit facilities, mezzanine debt, SBA 7(a) and 504 term loans, A/R based lines of credit, bridge loans, unsecured short-term loans and traditional bank debt financing structures tailored for your business. We are industry agnostic and consider all business funding requests. Our goal is to get you the capital you need, when you need it!
We typically serve the following industries:
Staffing Companies and Medical Facilities
We provide working capital for staffing and medical facilities.
Oil and Gas Upstream and Mid-stream assets financing
We provide asset-based financing secured by oil and gas production (PDP/PDNP) reserves including acquisitions and production capital nationally.
Oil Field Services Financing
We finance all oilfield services companies including frac sand, transportation, water disposal, and drilling services. We provide working capital, equipment financing and acquisition financing.
These industries below frequently use our MCA and LOC Financing!
Other industries we serve frequently:
- Accounting Practices
- Auto shops
- Business Consultants
- Cannabis/CBD
- Construction
- Educational Services
- Electronics
- Energy
- Fitness Centers
- Funeral Homes
- Grocery Stores
- Leisure & Hospitality
- Manufacturing
- Media/Entertainment
- Medical Facilities
- Medical Marijuana
- Merchant Wholesalers
- Online Businesses
- Professional Services
- Rehab Centers
- Retail Stores
- Staffing
- Storage
- Technology
- Telecommunications
- Transportation
- Vending Machines
- Warehousing
- Waste Management
- Utilities merchant cash advance commercial loans loan financing
Real Estate Investment Loans
"We specialize in hard to finance real estate acquisitions, development, construction, and fix and flip. We only work with real estate investors!"
We finance purchase and refinance, cash out, build for rent, land only loans, rental property purchases, portfolio loans, all types of commercial loans.
We have the experience of doing what others say cannot be done. Fast loan approvals, term sheet and fast closings!
- Builders and Developers-New Construction (Interest rates as low as prime +1) up to $100 Mil. up to 24 months
- Builders and Real Estate Developers looking for up to 90% LTC funding at competitive rates and terms we are your capital source.
- Land Only Acquisition
- Lot loans
- Horizontal construction financing with soft cost included
- Vertical construction financing (SFR, BFR, Multi-family, industrial, Offices, Self-Storage, Warehouses, Mixed Use, Condo, Townhomes, Assisted Living Facilities)
- All in One- Acq./Horizontal/Vertical in a single loan facility
- Bridge loans 6–24-month term
Commercial Loans-(Interest rates as low as prime +1) up to $100 Mil. up to 85% LTC - Multi-family, industrial, Offices, Self-Storage, Warehouses, Mixed Use, Condo, Townhomes, Assisted Living Facilities, Retail Shopping Center
- Fix and Flip Loans-6-12-month term up to 100% financing based upon 74% LTV
- Purchase SFR, rent or flip available for 1-4 units
- Interest rates as low as: 7.75%-13.99%
DSCR Long-Term Rental Loans-30-year term up to 90% LTV
- Purchase SFR, Multi-family up to 9 units
- Interest rates as low as 6.50%
Portfolio Loans
- Consolidation loan- roll up multiple properties into one easy monthly payment
- Acquire multiple foreclosures at once
LEADING THE CHARGE TO RENEWABLE ENERGY
Phoenix Group Capital Markets provides financing for commercial solar projects such as solar farm development, commercial building roof top solar installations, non-profit solar financing including church, schools, and municipalities. The Inflation Reduction Act of 2023 (IRA) provided great incentives for businesses to go green. Non-profits for the first time have an opportunity to utilize tax credits via Direct Pay which allows non-profits as non-taxable entities to file a tax return and receive a full refund of the entire cost of their renewable energy installation. The IRS provides considerable credits for solar developers looking to use solar tax credits to finance their projects. Now you can sale tax credits in your project to finance its cost. Most solar finance companies provide funding once the project has been approved by local officials and utility companies have provided a Notice to Proceed. We provide financing for 100% of costs including equipment, installation and construction funding for solar farm projects and commercial installations.
Solar Financing
Phoenix Group Capital Markets provides financing for commercial solar projects such as solar farm development, commercial building roof top solar installations, non-profit solar financing including church, schools, and municipalities. The Inflation Reduction Act of 2023 (IRA) provided great incentives for businesses to go green. Non-profits for the first time have an opportunity to utilize tax credits via Direct Pay which allows non-profits as non-taxable entities to file a tax return and receive a full refund of the entire cost of their renewable energy installation. The IRS provides considerable credits for solar developers looking to use solar tax credits to finance their projects. Now you can sale tax credits in your project to finance its cost. Most solar finance companies provide funding once the project has been approved by local officials and utility companies have provided a Notice to Proceed. We provide 100% financing of costs including equipment, installation and construction funding for solar farm projects and commercial installations.
Commercial Solar and Energy Efficiency retrofits or upgrades financing.
Loan program guidelines: Commercial Solar Installation
$500K-$15 Mil, 25-amortization, 8.99% rate client keeps tax credits.
We provide 100% financing of the project plus closing costs except the bank origination is $1.5%.
$500,000 or less minimum docs required.
Above $500K requires entity documents, 3-years financial statements, personal guarantor.
Qualifying Clean Energy Tax Incentives: Clean Electricity Production Credit §45Y 30%, 10% for made in USA products used, additional credits may apply ask your tax adviser. REC’s may be sold or traded. (Disclaimer this information is provided as a guide only and should not be construed as tax advice, you must consult your own tax advisor to see what you qualify for.)
Commercial Energy Efficiency Retrofits or upgrades
We will provide financing for all energy efficiency retrofits, generators, charging stations installations, and energy upgrades to commercial buildings terms are 5-year term, 25- year amortization auto renewal extensions for the loan every five years, the bank will count the tax credit toward income and offset the energy savings bill costs. They cover 100% costs plus closing fees.
Qualifying Clean Energy Tax Incentives: §30C charging stations 30% of the cost of hardware and installation. Energy efficient lighting, electrical, cooling and heating upgrades $1.80 per sq. ft. of building space. 10% for made in USA products used, additional credits may apply ask your tax adviser. REC’s may be sold or traded.
All Installers must be approved by the bank at the time the request for financing is submitted. The installer will provide references, past permits, and license as electrical contractor.
“Let’s make America Green, together we can save our planet!” commercial loans loan financing
Trade Financing
Phoenix Group provides international trade financing for soft commodities and mineral assets. Let us facilitate your next import/export trade deal. We also provide forfaiting and other monetization of instruments such as SBLC, LC and BG already held.
We can also provide trade instruments to facilitate your transaction such as timber, oil, diamonds and gold. Our top 10 world bank partners only facilitate legitimate transactions. We facilitate all due diligence to meet OFAC and Anti-money laundering requirements.
Methods of Payment in International Trade
To succeed in today’s global marketplace and win sales against foreign competitors, exporters must offer their customers attractive sales terms supported by the appropriate payment methods. Because getting paid in full and on time is the ultimate goal for each export sale, an appropriate payment method must be chosen carefully to minimize the payment risk while also accommodating the needs of the buyer. As shown in the below Payment Risk Diagram, there are five primary methods of payment for international transactions. During or before contract negotiations, you should consider as an exporter which payment method is mutually desirable for you and the importer. In addition, the exporter should become familiar with shipping documents that are required by the importer to take possession of goods upon shipment arrival at the destination country. Examples of such documents include a commercial invoice, a packing and/or weight certificate, an insurance certificate, a certificate of origin, and bills of lading. No matter which payment method is used, the exporter and importer must understand what shipping documents will be required to avoid potential problems with their transaction.
Key Points
International trade presents a spectrum of risk, which causes uncertainty over the timing of payments between the exporter (seller) and importer (foreign buyer).
For exporters, any sale is a gift until payment is received.
Therefore, exporters want to receive payment as soon as possible, preferably as soon as an order is placed or before the goods are sent to the importer.
For importers, any payment is a donation until the goods are received.
Therefore, importers want to receive the goods as soon as possible but to delay payment as long as possible, preferably until after the goods are resold to generate enough income to pay the exporter.
No matter which payment method is used, the exporter must understand what shipping documents will be required by the importer to take possession of goods upon shipment arrival at the destination country.
Cash-in-Advance
With cash-in-advance payment terms, an exporter can avoid credit risk because payment is received before the goods are shipped. For international sales, wire transfers and credit cards are the most commonly used cash-in-advance options available to exporters. Cross-border escrow services may be a cash-in-advance alternative for exporters and their importers who demand assurance that the goods will be sent in exchange for advance payment. However, requiring payment in advance is the least attractive option for the importer because it creates unfavorable cash flow for their business. Importers are also concerned that the goods may not be sent if payment is made in advance. Thus, exporters who insist on this payment method as their sole manner of doing business may lose to competitors who offer more attractive payment terms.
Letters of Credit
Letters of credit (LCs) are one of the most secure instruments available to international traders. An LC is a commitment by a bank on behalf of the importer that payment will be made to the exporter, provided that the terms and conditions stated in the LC have been met, as verified through the presentation of all required documents. The importer establishes credit and pays their bank to render this service. An LC is useful when reliable credit information about an importer is difficult to obtain, but the exporter is satisfied with the creditworthiness of the importer’s bank and, if not, the exporter can ask for the LC to be confirmed by a second bank is satisfied with. An LC also protects the importer since no payment obligation arises until documents evidencing that the goods have been shipped as promised are presented.
Documentary Collections
A documentary collection (D/C) is a transaction whereby the exporter entrusts the collection of the payment for a sale to the exporter’s bank, which sends the required shipping documents to the importer’s bank, with instructions to release the documents to the importer in exchange for payment or the importer’s signed promise to pay on a specified future date. Funds are received from the importer and remitted to the exporter through the banks involved in the collection. D/Cs involve using a draft that requires the importer to pay the face amount either at sight or on a specified date. Although banks do act as facilitators for their clients, D/Cs offer no verification process and limited recourse in the event of non-payment. D/Cs are generally less expensive than LCs.
Open Account
An open account transaction is a sale where the goods are shipped and delivered before payment is due, which in international sales is typically in 30, 60 or 90 days. Obviously, this is one of the most advantageous options to the importer in terms of cash flow and cost, but it is consequently one of the highest risk options for an exporter. Because of intense competition in export markets, importers often press exporters for open account terms since the extension of credit by the seller to the buyer is more common abroad. Therefore, exporters who are reluctant to extend credit may lose sales to their competitors. Exporters can offer competitive open account terms while substantially mitigating the risk of non-payment by using one or more of the appropriate trade finance techniques covered later in this Guide.
Consignment
Consignment in international trade is a variation of open account in which payment is sent to the exporter only after the goods have been sold by the foreign distributor to the end customer. An international consignment transaction is based on a contractual arrangement in which the foreign distributor receives, manages, and sells the goods for the exporter who retains title to the goods until they are sold. Clearly, exporting on consignment is very risky as the exporter does not guarantee any payment and its goods are in a foreign country in the hands of an independent distributor or agent. However, consignment helps exporters become more competitive on the basis of better availability and faster delivery of goods. Selling on consignment can also help exporters outsource the burden of storing and managing inventory. The key to success in exporting on consignment is to partner with a reputable and trustworthy foreign distributor or a third-party logistics provider. Appropriate insurance should be in place to cover consigned goods in transit or in possession of a foreign distributor as well as to mitigate potential financial losses. In addition, all details should be spelled out in the contract and be enforceable in the country of both exporter and importer. commercial loans loan financing