Lending

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Why Bancobras Inc.

BANCOBRAS prides itself on our ability to listen and understand your unique business needs. Bancobras is an open and honest source for businesses to apply and receive the most competitive short-term loan options available online today.

BANCOBRAS was created to challenge the way credit and loan decisions are being made today. Lending to new and established businesses have been challenged in recent years by a growing number of technology driven companies. These technologies have become more broadly available to a new breed of private lenders, making fast and accurate credit decisions possible in hours instead of weeks. The small business credit market in the U.S. is estimated at over 100 billion annually, necessitating the need for competition, rate transparency, honesty, and integrity.


Types of Loans

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Unsecured Business Loans

A business may require a loan for a number of reasons. Whether you’re looking to expand your business or purchase additional inventory and equipment, quick access to a business loan can help stimulate business growth and keep a company thriving.

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Working Capital Loans

Working capital is critical to the growth and success of any business. Managing finances is a constant battle in the business world. As a business grows, it is necessary that the cash flow expands with it in order to succeed. Read More About Working Capital Loans

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Inventory Loans

If you manage products and maintain a large inventory, having cash at hand is a must. Meeting the demand of your customers is vital to your profitability and business reputation. Read More About Inventory Loans

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Expansion Loans

Financial growth and internal business expansion go hand and hand. The big question facing any business is how to grow in a way that is both manageable and cost effective. Read More About Expansion Loans

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Equipment Loans

Equipment and machinery are important assets to any business. Many products can’t be produced without the proper working tools. An equipment loan can be used to purchase new or used equipment. Read More About Equipment Loans


What is an Unsecured Loan?

An unsecured loan, sometimes referred to as a signature loan or a merchant loan, is a special type of financing available to business that is different from traditional lending. Instead of requiring collateral to obtain financing, unsecured lending uses several other factors to judge the eligibility of a loan applicant. These could include things such as your credit score and sales records from the business. This type of financing may be advisable for small business owners who do not want to risk their personal collateral in order to obtain the financing they need. Since the loan requirements differ from traditional bank loans, the interest rates and speed of approval can be much different. Oftentimes these merchant loans are reviewed and approved in a very short time frame, making them ideal for anyone who is in need of immediate capital.


Secured vs. Unsecured Loans

The main difference between an unsecured and a secured loan is the collateral required. There are pros and cons to all lending options that business owners should consider in order to come to an informed financial decision for their business.

  • Secured
  • Unsecured
  • Secured Loans

Secured Loans often come from banks or traditional lending sources. They are the most common type of financial borrowing available. Secured loans, backed by an asset such as a house or piece of property, give the lender the ability to repossess collateral should the borrower default on their loan. The type of collateral required can vary and the lender and borrower must come to agreeable terms in order to move forward with the lending process. Ok

Loan processes vary between different secured lending services. The standard procedure usually involves the loan amount, asset negotiation and loan repayment terms. Repayment terms are often much more generous in both time and interest rate because the loan is backed by collateral in the event of default. Secured loans, backed by an asset such as a house or piece of property, give the lender the ability to repossess collateral should the borrower default on their loan.


Simple Funding Solutions

small business loans can support all aspects of your enterprise. Our funding is a flexible option that helps you and your business meet your goals. Bancobras moves with speed and works directly with you to provide you a better way to borrow the capital you need to keep your business going.

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Industry-Specific Loans

Every industry has unique funding needs and cash-flow challenges. BANCOBRAS has years of experience working with a wide range of companies with varying financial needs. Obtaining a short-term loan ensures your business has the resources to succeed within your line of expertise and stay ahead of the competition.BANCOBRAS works to understand specific needs and facilitate funding best-suited for your business.

  • Retail Store Loans
  • Construction Loans
  • Manufacturing Loans
  • Trade Service Loans
  • Technology Company Loans
  • Franchise Business Loans
  • Restaurant Loans
  • Medical Practice Loans
  • Auto Repair Shop Loans
  • Beauty Salon & Spa Loans
  • Trucking Loans
  • Bancobras Restricted Industries
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Unsecured Business Loans

Unsecured business loans do not require collateral for the loan agreement. This is a preferred method of financing for many businesses due to the higher approval rates, simplicity of the process and the ability to get access to funds quickly. Unsecured business lending focuses on your current business performance to determine loan worthiness rather than on collateral or assets.

  • Unsecured Business Loans
  • Inventory Loans
  • Peer To Peer Loans
  • Short-Term Business Loans
  • Alternative Business Loans
  • Working Capital Loans
  • Commercial Loans
  • Microloans
  • Bad Credit Loans

Business Financing Types

Operating a successful small business requires capital. Business financing can take a variety of forms to meet the situational need. Borrowing outside of the bank is often a better option for small business owners. By partnering with Bancobras you will establish a relationship with a dedicated loan officer to ensure business financing readily available to you so you can make healthy business decisions. These types of loans are designed to finance the everyday operations within your business.


Working Capital Loan Uses

A working capital loan can be utilized in a multitude of ways. These types of loans are a form of “all- purpose borrowing,” meaning you can apply these loans to nearly any aspects of your business to further your growth wherever it is needed. Common uses for these loans include, but are not limited to:

  • Cash Flow Debt Consolidation Marketing Expansion
  • Cash Flow Loans

A working capital loan can be used to secure cash flow for your business. If your business is experiencing a declining working capital ratio over a long-term period, this may be a good choice for your business. These loans are very flexible; however, it may be hard to obtain an unsecured business loan through a traditional lending institution if you don’t have good personal credit.

Loan processes vary between lending institutions, but the standard procedure usually involves determining the loan amount, negotiating assets, and agreeing upon loan repayment terms. The advantage to this type of loan is that your business will always be prepared to handle any financial difficulties that arise and the funds can be used how you need it most.


Our Locations


Corporate Headquarters
One World Trade Center
Suite 8500
New York, NY 10007
T: ‭(212) 203-0988‬
Email: ceo@bbrasinc.com
www.bbrasinc.com


FiDi OFFICE
LEGAL DEPARTMENT
1 Maiden lane 5th floor
New York, NY. 10038
T: (929)262-0505


MIAMI OFFICE
1840 Coral Way 4th floor
Miami. Fl. 33145
T: (786)634-5858


BRASIL HEADQUARTERS
Bolsa de Valores,
XV de Novembro Plaza, 20
5th floor, Suite 502,
Rio de Janeiro, Brasil 20010
T: +55 21 2042-3806


ISRAEL HEADQUARTERS
Rothschild Center 12th floor
Rothschild boulevard 22
Tel Aviv, Israel 6688218
T: +972 233741730


DUBAI HEADQUARTERS
Standard Chartered Tower
Level 5, Emaar Square
Burj Khalifa, Dubai
T: +971 4 313 4444


HUMAN RESOURCES
165 Broadway
23rd floor
NY, NY. 10006
T: (347)966-2662


© 2019 Bancobras Inc. | All Rights Reserved