Aurora & LouParadise
Loan Consultant ID 102224
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learn more about our services, including Real
estate loans , Business fundings, Business
services, and Clean energy. Or simply reach out
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team will provide personalized guidance to find the best solutions for your business.

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Real Estate Loans

Access the extensive lender network at Sequoia, where we provide
competitive terms and flexible financing options.

A long-term loan intended for new and experienced real estate investors seeking long-term rental financing for SFR, Townhouse, PDU or condo nationwide.

  • Loan amount: $100K to $5M
  • Credit score: 650 min
  • 30-Year term
  • Up to 80% LTV for purchase
  • Up to 75% LTV for cash out
  • No personal income checks
  • Foreign Nationals OK
  • Purchase under LLC or personal name (based on state)
  • The rate starts at high 7's
  • Document needed: Application, Corporate Entity Documents, Two months' Bank Statement, Real estate experience track record

 

 

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A short-term loan intended for new and experienced real estate investors seeking funding for fix & flip properties nationwide.

  • Loan amount: $100K to $10M
  • 12 to 18 months Min credit score 650
  • Up to 85% of purchase price + 100% of renovation cost; not to exceed 75% of the After Repair Value
  • 1-4 units non owner occupied; condo; townhouse; multifamily; mixed used
  • Document needed: Application; Two month bank statement; corporate entity documents; rehab budget; previous real estate experience; ID Foreign Nationals OK, need valid passport, proof of income in their native country or in the US, and 30% to 40% down payment

 

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This loan is intended for new and experienced real estate investors seeking funding for 5+ unit apartments nationwide.

  • Loan amount $300K to $50M
  • 12 months to 30 years
  • Min property value: $35K per door
  • Min credit score 650
  • Up to 70% LTV for purchase
  • Up to 65% LTV for Cash-out Refinance
  • Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement

 

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This loan is intended for new and experienced real estate investors seeking funding for Mixed-use properties. Mixed Use properties refer to properties intentionally used for a variety of purposes, including commercial, residential, retail, office, or parking space. For instance, if you had an apartment complex, retail stores, and businesses located within the same area, this would be a mixed-use property.

  • Loan amount $300K to $50M
  • 12 months to 30 years
  • Min property value: $35K per door
  • Square footage for commercial and residential spaces
  • Min credit score 650
  • Up to 70% LTV for purchase
  • Up to 65% LTV for Cash-out Refinance
  • Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement

 

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Commercial real estate refers to any property used for business activities. Types of commercial real estate include hospitals, assembly plants, storage warehouses, shopping centers, office spaces, gas stations, RV parks or any other location for a business enterprise.

  • Loan amount $300K to $100M
  • 12 months to 30 years
  • Min credit score 650
  • Up to 70% LTV for purchase
  • Up to 65% LTV for Cash-out Refinance
  • Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; Rent roll; and Operating statement.

 

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A land loan – sometimes referred to as a lot loan – is used to finance the purchase of a plot of land. You can take out a land loan if you're interested in buying a piece of land to build a home or to utilize for business purposes.

  • Loan amount $100K up
  • 12 months bridge
  • Min credit score 650
  • Up to 50% LTV for raw land
  • Up to 75% LTV for developed land
  • Document needed: Application; Two months' bank statement; Corporate Entity Documents; Real estate track record; and Two years of business or personal tax return

 

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A construction loan is a short-term loan that covers only the costs of custom home building or commercial property. This is different from a mortgage, and it’s considered specialty financing. Once the property is built, the prospective occupant must apply for a mortgage to pay for the completed home.

  • Loan amount $100K to $500M
  • 12 months to 24 months interest only, based on the project
  • Min credit score 650
  • Up to 80% LTC (Loan to Cost)
  • Document needed: Executive summary; Construction budget; Any existing appraisal, environmental and survey reports; Personal Financial Statement for all principals; Corporate Entity Documents; and Real estate track record

 

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Whether you're purchasing, renovating, refinancing, or constructing, we've got your spiritual and community projects covered. Acquire the necessary funds now and spread the payments over time.

Loan Details:

  • Funding ranges from $100K to $35M.
  • Options include Fixed Rate Loans, Variable Loan Rates, or Interest Only Loans.


 

 

Prerequisites:

  • A straightforward 1-page Church or Non-Profit Application.
  • Details of the Church or Non-Profit Debt Service.
  • Financial records from the last 3 years: Profit and Loss Statements & Balance Sheets.

 

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HELOC

A Home Equity Line of Credit (HELOC) is a loan that allows you to borrow money against the equity in your home. HELOCs are similar to credit cards, but instead of borrowing money from a credit card company, you're borrowing against your home's equity.

  • Min credit score 660
  • Property under personal name only
  • CLTV 80%
  • Loan amount $50K +
  • No full appraisal for under $250K
  • Rate: Prime + 1% ~ 3%
  • Documentation needed: Application, Credit Report, 1 Year Tax Return, ID, Mortgage Statement, insurance, and others
Apply Now

Business Fundings

Maximize your potential by leveraging the resources and
insights accessible to businesses.

Equipment financing refers to a loan used to purchase business-related equipment, such as a restaurant oven, vehicle, or copy machine.

  • Loan amount $10K to $1M
  • 12, 24, 48 or 60 months term
  • Min credit score 630
  • Start up business OK (Max loan $50K)
  • 5 day funding
  • Document needed: Application; Invoice from the vendor showing equipment specs; Vendor has to be based in the US (or has office in the US)

 

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From backhoes to bulldozers, from pavers to rollers, from dump trucks to 18-wheelers. Heavy equipment loans allow businesses to borrow money to purchase heavy machinery and make payments on a schedule rather than having to pay upfront.

  • Loan amount $10K to $1M
  • 12, 24, 48, or 60 months term
  • Min credit score 650
  • Start-up business OK
  • No private sale
  • Document needed: Application; and Invoice from the dealer showing equipment specs.

 

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This loan is intended for business owners who are seeking funding for their day-to-day operations, such as payroll, purchasing inventory, business expansion, etc.

  • Loan amount $50K up
  • Terms may vary based on need. Max term is 10 years
  • Min credit score 660
  • Two years in business
  • Document needed: Application; Two years of business tax returns; Two years of personal tax returns (in some cases); YTD Profit and Loss; Balance Sheet; Debt Schedule; and ID

 

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Term loans are ideal for businesses with annual revenues of at least $500,000 looking for an alternative finance option when traditional bank lending options may be unavailable or you don’t want to pay the high cost associated with quick cash loans.

  • B2B companies with at least $500,000 in gross annual revenues
  • Companies with recurring or predictable revenue
  • 12 months - 5 years
  • $50,000 to $2 million with possible follow-on funding

 

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This loan is intended for business owners who are seeking funding to purchase a business.

  • Loan amount $350K to $10M
  • Terms vary based on need. Max term is 25 years
  • Min credit score 600
  • Document needed: From buyer: Application Two years of business tax returns for all businesses owned Two years of personal tax returns (in some cases) YTD Profit and Loss Balance Sheet Debt Schedule ID Resume Form Seller Two years business tax return YTD P&L

 

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Accounts receivable or AR financing is a type of financing arrangement that is based on a company receiving financing capital in return for a chosen portion of its accounts receivable. An AR financing arrangement can be structured in several ways, including as an asset sale or a loan.

  • Loan amount: $100K to $50M
  • Advance rate 80% to 90%
  • One year term Non-recourse available
  • Document needed: Application; One-year business tax return; ID; Current Aging of Accounts Receivable; Entity Documents; Invoices for Funding; Financial statement; and Customer list

 

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A mid-term loan in the form of unsecured cash. These programs require no collateral only a personal guarantor. Clients can use the fund freely for any purpose.

  • Minimum 660 Credit Score
  • No More Than 6 Inquiries in The Last Six Months.
  • 3 open active trade lines
  • No New Lines of Credit or Revolving Accounts in The Last Six Months.
  • Minimum of 6 Months At The Same Job With 1 Year of Continuous Work History of W-2 Employment.
  • Retirement or Disability Income $27,000 annual income
  • Ideally, No More Than 60% of Your Total Available Credit Usage
  • Any Bankruptcies Must Have Been Discharged 2+ or More Years Ago
  • 72 years of age or younger

 

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Your 401(k), IRA, or other qualified retirement accounts can be the key to starting your business debt-free and cash-rich. This program allows you to utilize the full potential of your existing retirement accounts to purchase your own business, thereby enabling you to eliminate or reduce the need for additional loans.

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Business Services

Let us take the complexity out of running a business and help you maximize
savings and unlock the full benefits of business ownership.

For income tax purposes, property owners and real estate investors generally depreciate commercial properties over 39 years.

But a residence, office building, warehouse, or any other real property is never just the structure alone. It also includes several other elements, such as plumbing fixtures, carpeting, sidewalks, fencing, and many more.

If you were to purchase these assets by themselves, you could depreciate them over five, seven, or 15 years. But they are usually purchased as part of a building acquisition or development and written off over the same useful life as the rest of the building: 27.5 or 39 years.

A cost segregation study is a process that looks at each element of a property, splits them into different categories, and allows you to benefit from an accelerated depreciation timeline for some of those building components.

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This is a third-party service provided by one of Sequoia Lending's partners. They are experienced in helping clients quickly fix credit issues and rebuild their credits by using Fair Debt Collection Practices Act, Fair Credit Reporting Act, Fair and Accurate Credit Transaction Act, Fair Credit Bill Act, and many other tools.

Check Your Credit: https://www.myscoreiq.com/get-fico-max.aspx?offercode=432136EP

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The Self-Insured Medical Expense Reimbursement Program (SIMERP), revolutionizing employee benefits with NO NET COST to employers or employees, offers a comprehensive solution.

By integrating certified wellness programs, SIMERP reduces healthcare expenses while ensuring compliance with IRS, HIPAA, and ERISA regulations. Experience significant savings:

  • $630 per participate employee in potential payroll tax relief.
  • Employers benefit from reduced workers' comp costs by up to 40% and enhanced talent attraction.
  • Employees gain access to preventive care dashboards and guaranteed insurance coverage.
  • Seamlessly integrate with existing systems with minimal HR effort, backed by dedicated client support.

 

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Our service provider will evaluate real estate assessments for commercial properties, determining whether or not the assessment is too high. If we determine the assessment is too high, we will facilitate appealing the property through the various levels of the appeals process hopefully resulting in tax savings to the owner. We are targeting properties valued at more than $5,000,000. Appeals generally take 45-90 days to resolve. Ideal properties located in the following states (in this order) DC, MD, TX, FL, TN, NC, SC, GA, VA, CT, and WA. Other states also provide opportunities, but the aforementioned states generally result in the highest savings.

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Our service provider specializes in property insurance loss consulting and construction, assisting property owners in navigating insurance claims while restoring their properties to pre-loss condition. Our services include expert damage assessments, claim documentation, and full-scale construction solutions such as roof replacements, window replacements, interior water remediation, drywall, painting, flooring, and much more.

If immediate work is not needed, we operate on a contingency basis with zero risk, ensuring the claim is handled properly while managing all relationships based on the property owner’s direction. Once the insurance payout is received, property owners have the flexibility to hire us to complete the work.

We offer zero-down financing with no credit check and no payments for up to three years until the insurance claim is resolved, ensuring property owners receive immediate repairs without financial strain.

Our team and network of attorneys, public adjusters, engineers, and industry experts can handle the entire claims process from start to finish, maximizing recovery and ensuring all necessary repairs are completed efficiently.

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Clean Energy

New policies and savings opportunities are here. Are
you ready to take advantage?

Our partners have over 15 years of experience helping companies of all sizes move to profitable and clean renewable energy. They deliver the best client experience possible through strategic project management. Experts in designing and installing solar systems and EV charging stations for both non-profit as well as for profit businesses. We can help all businesses go green including but not limited to: shopping centers, hotels, restaurants, office buildings, multifamily, churches, public schools, and more!

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Free charging stations, empowering businesses.

Power up your business and unlock a new revenue stream with our Go Green Program. We provide businesses with free charging stations on-site and share the charging revenue with you.

Fill out the following form to see if your business qualifies for this program

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Success Stories

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Ready To Move Forward?

Get Started with A Few Simple Steps.

If you are ready to move forward, then let's do it! Help us
understand the type and scope of your project by
submitting a scenario form, which will only take about 5
minutes. Your regional representative will reach out to you
with a quote momentarily after receiving the form.

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Frequently Asked Questions

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