+ What loan sizes does TVC normally handle?

We handle all commercial loan sizes from $50,000.00 - $2,000,000.00.

+ What type of businesses and industries does TVC work with?

We work with every type of business in all industries. Small, medium, and large businesses work with TVC to handle their lending needs.

+ What states and regions does TVC lend in?

TVC lends primarily in Missouri and surrounding markets, but has the capability to lend in any state in the continental United States.

+ What types of loans does TVC provide?

TVC provides in-house alternative lending for businesses. Where conventional lenders look at cash-flow and credit history, TVC looks primarily at the underlying collateral available to secure the debt.

In-house loan options include: collateral-backed lending, asset-based lending, bridge-lending, rate-and-term loans, discretionary lines-of-credit, and structured lending.

TVC will also make introduction to affiliates for SBA financing, traditional financing, and merchant cash advance financing.

+ What is the turn-around time for TVC financing?

After final due diligence, TVC can provide financing within 7-10 business days of application.

+ What terms does TVC provide for financing?

As an unconventional lender, TVC doesn’t have to fit borrowers into a box like most traditional lenders. TVC provides many creative options depending on borrower’s unique situations. Terms can include, amortizing loans, interest-only loans, and bullet loans (where interest payments are accrued monthly).

All loans are on a 1-year balloon and will renew annually at the lender’s discretion.

+ How much money can I get?

TVC has similar Advance Rates as those utilized by conventional lending institution.

TVC may advance more money with additional collateral or the ability to cross-collateralize, or with additional guarantor support.

TVC may take junior-lien positions if the first mortgage is current and there is sufficient equity.

+ Does TVC do any residential lending?

No, TVC only provides business purpose loans. However, personal residences can be utilized as collateral for business purpose loans. Additionally, TVC will provide capital for investment properties. This includes, fix-and-flip, or buy and hold.

+ What credit scores are needed for financing?

For alternative financing, there are no credit score requirements; in fact, TVC doesn’t even make a credit inquiry.

+ What consulting services does TVC provide?

TVC provides ‘retainer-based’ management consulting / business coaching services that include strategic planning, goal setting and performance reviews, accountability partner, financial reviews/recommendations, corporate restructuring, debt restructuring, negotiation services, access to short-term cash-flow capital, and turn-around. Consulting sessions are held via conference call, Zoom, or in person (for Jacksonville, FL based businesses only).

+ Who is an ideal consulting client?

Small to medium sized distressed companies that are in need of counsel through turn-around to build a successful business or through shut-down to provide a soft landing for owners.

Small to medium size businesses looking to take their companies to the next level through coaching and strategic planning.

Business owners in need of a sounding board for constructive feedback and a fresh set of eyes.