Lines of Exposure

(sometimes referred to as Lines of Credit)

One thing that every small business needs is to be able to adapt to change. Especially in times of growth, or even during the experiencing of “uneven” cash flow. When you need immediate access to cash with flexible repayment terms, an “unsecured” Line of Exposure can often be the ideal solution.

Below is an example product matrix, outlining “exposure limit requirements:”

• Exposure Limit Maximum $10MM 
• Exposure Limit Minimum $500K Customers may fund one single property loan up to $750K even if their Exposure Limit is set below that amount  

Total Experience Requirements                       0

Fix & Flip and Bridge Experience Definition 

• Lookback Period:
• [New Construction Properties Sold ≤ 3 Years] + [Investment Properties Sold ≤ 3 years] + [Investment Properties purchased ≤ 3 years still owned]
  •  Eligible Properties: SFR, 2-4 units, PUD, Condo, or Multi-Family/Mixed-Use that the borrowing entity, guarantors, or entities the guarantors have ownership in, purchased (currently held) or sold within the lookback period. New Construction Experience Definition Lookback Period:  

[New Construction Properties Sold/Stabilized ≤ 3 Years] Eligible Properties: SFR, 2-4 units, PUD, Condo, or Multi-Family/Mixed-Use that the borrowing entity, guarantors, or entities the guarantors have ownership in that has been constructed and sold or stabilized within the lookback period.  

New Construction Experience Requirements 

• 1 at maximum leverage 
  • 0 at reduced leverage – customer must have a min of 1 Fix & Flip property within the last 36 months renovated and sold/stabilized 

Let RB Solutions assist you in finding the funding you need! 

Click here to start working with us today to establish your business’s life line.

What can we do for your business?

• Obtain short-term funding to support financing for operational expenses like supplies and payroll or for increasing inventory.
• No collateral (assets that the lender can sell if you default on the debt) is necessary.
• Many unsecured lines of credit come with a variable interest rate and are available for sums ranging from $10,000 to $100,000.
• Rate for a business line of credit tend to be lower than those for a business credit card, which can charge more than 20% APR for purchases — and even more than that for cash advances.
• Maintaining a line of credit in good standing may help build your business credit rating and position you for better loan terms if you seek future financing.

This is not an offer, term sheet or commitment. Rates and terms can change without notice.
All transactions are subject to underwriting and written approval.