Click photo to read more... THE LOAN REQUEST: Auto industry specialty parts manufacturer needed additional funds for growth opportunities. THE CHALLENGE: Their banker's legal lending limit prevented the bank from funding the loan. THE SOLUTION: BFCA provided the needed funds by securing company assets, inventory, and accounts receivable.

Click photo to read more... THE LOAN REQUEST: The business and building owner needed cash for the downpayment on a new location for his smog cert business. THE CHALLENGE: The business didn't provide enough cash flow to support the loan. Plus, the building appraisal came in low. THE SOLUTION: We cross-collateralized the subject property with a 2nd T.D. on his home. Plus, we added his spouse on title and used her self-employment income to shore up the cash flow.

Click photo to read more... THE LOAN REQUEST: The bank's real estate investor client wanted to refinance a large apartment complex because the existing loan was coming due and payable. THE CHALLENGE: While the bank provided financing options, the banker felt that BFCA could provide lower interest rates. THE SOLUTION: With BFCA's life company correspondent relationships, we arranged a lower rate and longer term solution that would not normally be available from a commercial bank.

Click photo to read more... THE LOAN REQUEST: This large aerospace parts supplier needed to renew their accounts receivable line of credit. THE CHALLENGE: Due to business reverses in a down economy, the company had violated covenants and the bank could not renew the line. THE SOLUTION: Their banker asked us to provide a solution. We analyzed the problem and were able to provide alternative financing to replace the bank line of credit. The banker retained the deposit relationship.

Click photo to read more... THE LOAN REQUEST: A local chapter of a non-profit organization needed funds to meet their budget goals. THE CHALLENGE: The organization's bank did not arrange loans for non-profit entities. THE SOLUTION: The banker referred the non-profit to BFCA. We were able to secure their building with a real estate loan to pay off a private investor and provide operating funds.

Click photo read more... THE LOAN REQUEST: The client wanted to purchase this multi-tenant shopping center to add to his porfolio of investment properties. THE CHALLENGE: The client's bank specialized in "owner-user" financing and could not fund this transaction directly through the bank. THE SOLUTION: Through our affiliation with the bank, we funded the loan within the short escrow window at an attractive rate that beat programs offered by other larger banks.

Click photo to read more... THE LOAN REQUEST: An independent relgious denomination wanted to purchase a new church facility for worship. THE CHALLENGE: The congregation's bank did not finance non-profit organizations. THE SOLUTION: BFCA's robust church financing program provided the purchase funds and the referring bank earned the church bank account relationship.

Click photo to read more... THE LOAN REQUEST: The client was relocating to Southern California and needed funds to purchase a new residence. THE CHALLENGE: While his banker offered short-term financing options, the client wanted to entertain a 30 year fixed rate loan. THE SOLUTION: The banker asked BFCA to provide a long-term solution. We arranged a 30 year fixed rate loan with no points or fees at interest rates below those offered by other larger banks.