Resources

A bridge loan, also known as interim financing, gap financing, or swing loans is a type of short-term loan. Bridge loans bridge the gap during times when financing is needed but not yet available. Both corporations and individuals can benefit from this style loan.

Equipment finance is obtaining the use of machinery, vehicles or other equipment on a lease or rental basis. This avoids the need to invest capital in equipment but still allows the business to operate effectively.

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A  Merchant Cash Advance is a financial loan based upon the credit card sales of a business.

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Typically referred to as an acquisition loan. This capital is given to a company to purchase a specific asset, to acquire another business, or for other reasons that are laid out before the loan is granted.

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​Not just for physical structures and acreage but may be used to purchase fixed assets such as land and improvements, including owner-occupied buildings, grading, street improvements, utilities, parking lots, and landscaping.

Capital used to enlarge the size of a business through a variety of means. Expansion financing can be used for such things as internal growth, acquisition of new customers, or even launching of new products.

​A refinancing tactic in which new loans are taken out to pay off existing debt. Our process combines existing debts to create one single large debt. Consolidated debt often has more favorable terms, including low-interest rates and a lower monthly payment.

Startup Funding is money raised by a new company in order to meet its initial costs and is often a large sum of money.

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A franchise loan is used to purchase a franchise license. What this license does is allow the franchisee to either sell a product or provide a service under the name of the franchisor in exchange for startup and annual licensing fees.

A Small Business loan that is partially guaranteed by the government (the Small Business Administration), which eliminates some of the risks for the financial institution that is issuing the loan.

Working capital is the amount of cash a business can safely spend. It’s commonly defined as current assets minus current liabilities.

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Accounts receivable are assets equal to the outstanding balances of invoices billed to customers but not yet paid.

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A payroll loan is a cash advance that is given to a borrower based on their employment status and income. A payroll loan is also known as a payday loan because the amount of the loan is typically scheduled for repayment upon getting paid by an employer.

The SBA offers loans for new businesses just as credit unions, commercial banks, and other lenders do. The most common type of loan made to new businesses is the 7(a) loan.

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At Noggin Finance, we provide both options of having resources for Merchant Services and Credit Card Processing to help scale your retail or online business.