Your Source for Commercial Financing

About Atlantic

Formed in 1999 and based in New York's Capital Region, Atlantic's Funding Division helps business owners seeking access to commercial capital.  We fund from internal resources, private investors, community banks and specialty houses.  Each request for funding is serviced individually and personally. Our approach is to first listen and develop a complete understanding of your business needs and goals. Then, we present one or more financing options for you to review and select from.   Simply put, our mission is to help you succeed and achieve your goals.  As we service you well, it is our hope that you will pass the word to others.

Commercial Real Estate Finance

After analyzing the property value and source of funds which will make the monthly payment, we will review with you which program is best matched to your credit profile and will most quickly close.   We will help you choose between a conventional, lite-documented, stated income or  private funding loan request.

Commercial Equipment / Vehicle Finance

Lease financing is a very popular way for business owners to acquire assets that will help increase income.  Whether it's a commercial vehicle, piece of heavy "yellow-iron", technology, manufacturing or even unusual equipment, if you need it to build your business, we'll consider it.  There are several advantages to lease financing vs. using your approved bank credit line; give us a call and we'll talk it over.  Terms are generally matched to the economic life of the equipment and monthly payments are often tax deductible as a monthly expense.

Merchant Cash Advance

This program provides your business with quick access to capital for business expenditures. The advance, available in amounts from $5,000 to $150,000 per location, is based on the strength of your future Visa and MasterCard sales. The collection process is automatically handled by the credit card processor and funding can be paid back in 4 to 12 months

Unsecured Business Line of Credit

An unsecured business line of credit is probably the most valuable financial tool you, as a small business owner, can have. The unsecured business line of credit works like a huge credit card, but it has the added benefit of check-writing access and lower interest rates than most business credit cards.

Accounts Receivable Financing

Receivable financing is a method to convert your sales on credit terms into immediate cash flow. Financing accounts receivable has become the preferred financial tool in obtaining flexible working capital for businesses of all sizes. The receivable credit line is determined by the financial strength of your customer (Buyer), instead of your company (The seller of the receivables).

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P.O. Box 9584, Niskayuna, New York 12309-0584

Revised: May 26, 2008