TransACTIONS Speak Louder than Words!
Rather than merely saying that BCCUSA provides low cost monthly credit access to Businesses we prefer to provide examples:
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NY BASED Contractor Restructured for Success
their ability to service clients.
Result
This resulted in requisite DSCR (debt service coverage ratio) to secure a 10-year loan with considerable cash-flow benefit.
Conclusion
BCCUSA’s Financial review, analysis and guidance drastically changed the SMBs expenses and future prospects
Southwest Addiction Counseling Center ‘Turned around
A substantive Texas Addiction Counseling practice was mired in daily and weekly payment debt struggling to meet weekly payroll requirements.
Result
After months of endeavoring to negotiate to debt terms with Lawyers, and multiple hours spent with intermediaries not fulfilling promises, BCCUSA curated a term loan to consolidate debt AND arranged an Asset Based Line of credit. Our Teams efforts saved the client tens of thousands of dollars monthly while infusing necessary working capital.
Conclusion
This SMB went from struggling to thriving within weeks after months of frustration, contemplating Federal BK protection.
BCCUSA Unlocks the Mystery Of SMB Borrowing Eligilibility
While Entrepreneurs understand how to qualify for their Mortgage and personal vehicles, most have no idea about their business borrowing eligibility.
Result
BCCUSA, the Data Driven Small Business Consulting firm, developed an AI powered Algorithm which factors over 30 information points to determine SMB borrowing transparency.
Conclusion
Rather than spending valuable time sending out numerous applications hoping to get the right result, SMBs can focus on their business comforted in knowing their submission ends up in the right hands at the right bank for the right cost of capital.
New Jersey Based Dental Practice Closed $499,000 Term Loan Purchased out a Partner + Additional Working Capital Approval in hand within Two Weeks
Scottsdale Arizona Medical Spa Closed $100,000 Line of Credit Approved and Funded in Less than 10 Business Days!
Madison Heights, Michigan Retailer Closed $150,000 10 Year Loan Payment $1,700 Per Month! Saved $5,000 PER MONTH from their Weekly payments AND Recieved $100,000 LOC in Additional Working capital!
Bellmore NY Remodeling Company Closed $150,000 10 Year SBA AND $130,000 Interest Only Line of Credit
10 Business Days!
Our efforts are often defined by cash-flow savings and/or preparing clients for growth.
Financial Turnaround for Minority owner Care Practice in Florida
A minority-owned nursing care practice in Florida faced mounting debt service challenges forcing them to consider US Bankruptcy protection.
Through positioning and management consulting, BCCUSA arranged a monthly payment cost-saving program with a Family-office, returning the Practice to profitability.
Results
Monthly Savings: The practice saved $23,000 per month, drastically reducing its financial strain. Sustainability and Growth: The savings enabled the practice to stabilize financially, add needed technical infrastructure and staffing to service more clientele.
Conclusion
This case study demonstrates the effectiveness of BCCUSA’s ability to consult and curate a path to success from aggressive short-term debt.
Expansion/Acquisition Resources Curated for Media Firm
A Media firm in Georgia was recommended to BCCUSA as they sought to acquire their own IT Development firm to expand service scope and profitability.
Results
BCCUSA arranged $1M in low cost monthly credit facilities leveraging credit, earnings and Organizations’ Balance Sheet.
Conclusion
This case study demonstrates the effectiveness of BCCUSA’s ability to consult and curate a path to success from aggressive short-term debt
Hotel Franchise's Success via our Monthly Payment Debt Restructuring
Solution
Recognizing the need for a more manageable cash-flow structure, the franchise retained our services. BCCUSA curated a monthly payment program designed specifically for their
industry and arranged a Global debt consolidation/restructuring.
Results
Monthly Savings: The hotel franchise saved over $40,000 per month, on on debt service payments. Job Creation: The additional cash flow made available through savings allowed the franchise to hire additional staff, contributing to local employment and enhancing service quality. Margin Improvement: With lower monthly obligations, the franchise recalibrated its financial margins, allocating more resources towards marketing and guest experience enhancements.
Conclusion
The decision to retain our services not only relieved the hotel franchise of excessive financial burdens, but also positioned it for sustainable growth and operational excellence.This case exemplifies the transformative impact of our adaptive financial solutions at BCCUSA.
Financial Revitalization/Fortification of a Minority-Owned Property Management Organization
A Minority-owned residential leasing and property management company in Florida was struggling with cash-flow limitations, inhibiting its ability to reinvest
in property maintenance and staffing. This ‘strain’ directly impacted competitiveness and growth opportunities.
Solution
BCCUSA expeditiously curated low-cost monthly credit facilities to alter the existing debt structure dramatically
Results
By adhering to BCCUSA’s directives, the client realized an additional $850,000, in liquidity, while saving the Organization $43,000 monthly in debt service.
Conclusion
This case study underscores the impact of targeted financial strategies on the sustainability and growth of a real estate business. For this woman-owned company, our bank financing program was instrumental in transforming its financial landscape, enabling it to thrive in a competitive market and consider future growth opportunities
Fast Food Franchise's Debt Restructuring
Challenge
A Subway franchise operating 19 ‘units’ faced mounting debt and was challenged to meet their obligations. The overwhelming burden inhibited the organization’s plans
for acquiring new locations and expanding its market presence.
Results
In response to the franchise’s financial distress, we curated a debt restructuring plan that consolidated all their daily and weekly payments into one easy monthly payment.
The Global Solution yielded these immediate and significant benefits:
Monthly Savings: The franchise saved $60,000 per month, This net cash-flow gain allowed them to better serve clients with additional staffing to operate more efficiently.
Expansion Readiness: With a healthier balance sheet, the franchise was able to resume its growth strategy, including identifying and acquiring new locations.
Conclusion
This case study exemplifies how strategic financial management can resolve critical debt issues and support business expansion.
NY BASED Contractor Restructured for Success
A Long Island Based Masonry Contractor was falling behind on their daily/weekly MCA Payments and was challenged to stay current with suppliers which threatened
their ability to service clients.
Result
BCCUSA reviewed and analyzed their financial reporting data and worked side by side with firms Accountant to be less aggressive on expense categorizations.
This resulted in requisite DSCR (debt service coverage ratio) to secure a 10-year loan with considerable cash-flow benefit.
Conclusion
BCCUSA’s Financial review, analysis and guidance drastically changed the SMBs expenses and future prospects
Southwest Addiction Counseling Center ‘Turned around
A substantive Texas Addiction Counseling practice was mired in daily and weekly payment debt struggling to meet weekly payroll requirements.
Result
After months of endeavoring to negotiate to debt terms with Lawyers, and multiple hours spent with intermediaries not fulfilling promises, BCCUSA curated a term loan to consolidate debt AND arranged an Asset Based Line of credit. Our Teams efforts saved the client tens of thousands of dollars monthly while infusing necessary working capital.
Conclusion
This SMB went from struggling to thriving within weeks after months of frustration, contemplating Federal BK protection
BCCUSA Unlocks the Mystery Of SMB Borrowing Eligilibility
While Entrepreneurs understand how to qualify for their Mortgage and personal vehicles, most have no idea about their business borrowing eligibility.
Result
BCCUSA, the Data Driven Small Business Consulting firm, developed an AI powered Algorithm which factors over 30 information points to determine SMB borrowing transparency.
Conclusion
Rather than spending valuable time sending out numerous applications hoping to get the right result, SMBs can focus on their business comforted in knowing their submission ends up in the right hands at the right bank for the right cost of capital.
Growth, Flexibility & Time Savings For pain Management Practice
Expanding Northeast based pain management firm requested a business line of credit (not a loan) to add staff, increase marketing and advertising budget and have working capital flexibility.
Result
The BCCUSA Bank Network secured the requested LOC amount within 10 business days.
Conclusion
BCCUSA’s ability to cut through red tape by introducing the right bank contacts to the client, expeditiously provided the additional bandwidth the client requested- allowing them to focus on their practice.
Northeast Based Medical Practitioner requested expeditious Capital to buy out a Partner wishing to retire.
Result
Within 24 hours the Team at BCCUSA arranged a video teleconference with a Nationwide footprint bank that has a specialized division for Professional Practice Finance.
Conclusion
Since the application was sent to the proper division post-haste, a term sheet was issued within 3 business days and a $500,000 closing occurred within 30 days. Team BCCUSA enabled the practice and their employees to transition seamlessly.
Western State Gynecologist requested significant Debt Restructuring
An otherwise thriving Arizona Medical practice found itself cash-flow challenged from elective procedure equipment debt instruments along with MCA weekly payments.
Result
Within 5 business days Team BCCUSA arranged a Bank Partner term sheet allowing the client to see the light at the end of the tunnel. While the eventual closing took 75 days the practice immediately took positive steps for growth from extensive positive cash-flow realization.
Conclusion
By structuring a loan to pay down the debt with a revolving credit line based on Medical Receivables the Practice will no longer have reliance on short-term debt.
NY Based Boat Chartering Firm sought credit to expand
A Hamptons Long Island Based Luxury Boat Charter company desired to buy more equipment and hire staff with an eye towards other destinations
Result
Team BCCUSA went to 3 Bank partners that have footprint in NY and Florida- where the firm was seeking to expand to. Within 7 Business days the client had 3 offers to choose from.
Conclusion
As the firm had strong credit and financials, and would have received the funds requested, Team BCCUSA’s value add was in the structure of the credit, and the ability to provide options and leverage to the client to receive the best credit facility available.
What Our Clients Say
Discover how BCCUSA can unlock the financial potential of your business.
Remember, at BCCUSA your success is our priority.
Don’t let time constraints hinder your business growth.
Utilize BCCUSA’s efficient approach to secure the bank loans and
credit lines your small business requires.
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New York, NY 10281
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352-995-2374 | TeamBCCUSA@bccusa.com
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Tampa, FL 33607
