Every business executive and manager yearns for the day when they discover the Business Banker who understands the distinctive needs and attributes of their own business. Every business executive and manager hopes to find the Business Banker who is a “real” financial advisor (not just an order taker), relationship-driven (not just transactional), flexible in business decision philosophies and authorities (not just following their loan committee’s or loan underwriter’s guidelines), and willing to “get out of the box” (not just seeking to finance the safe mature business with pristine accounting records and tax returns). ………Good luck!

Charter Financial Management promises and guarantees every business executive and manager that their commercial banking services will be:

• cared for and managed by a “real” financial advisor professional senior commercial banker” (not an order taker);
• delivered by a professional senior advisor that is relationship-driven (as is evident by Charter Financial’s 450+ corporate clients which have received from 3 to 9 business loans from Charter Financial’s banker);
• introduced to senior bankers with global philosophies and commitment banking authorities; and….
• best of all, will be financed by bankers who are eager to finance “start-up to middle market mature businesses” which may not have pristine credit, consistent accounting records and tax returns.

Commercial Lending Services Include:

• Commercial Lines of Credit
  A commercial line of credit will provide your company short-term financing of working capital to take advantages of business opportunities
   
• Revolving Line of Credit
  A revolving line of credit will finance your account receivables and purchase orders allowing your company to pay its operational expenses while waiting for your clientele to pay your receivables
   
• Term Financing
  A term loan finances business and equipment acquisition, permanent working capital, leasehold improvements and the refinancing existing debt
   
• Letters of Credit
  Letters of credit are financial instruments issued in favor of vendors which guarantee payments for the future delivery of services or products. Letters of credit and Standby Letters are issued both domestically and internationally
   
• Technology/Emerging Growth Lines of Credit
  Emerging Growth Lines of Credit involve creative financing for business assets and operational costs which cannot be justified from the existing on-going revenues of newly formed companies
   
• Commercial Real Estate Financing
  Construction and Land Development Loans finance the acquisition, pre-development and construction costs of residential and commercial developments. ALSO refer to Charter Financial’s Mortgage Banking Division.
   
• Capital Markets Financing
  Vendor Assurance Program provides financial solutions to equipment manufacturers, distributors, and dealers and their end-users. This program streamlines trade payables allowing the Company to retain their existing lines of credit unencumbered
   
• Governmental Guaranteed Loan Programs
  • SBA Loan Programs
    
    - The 7(a) loan program finances business loans secured by personal residences.. Loan Terms up to 10 years
    
    - The 504 loan program finances business loans secured by residential and commercial/investment real estate. Loan terms up to 25 years
    
    - The Construction/Permanent Loan Programs finances properties up to 26 years. Finances commercial or industrial property developments.
    
    - If at least 51% of the commercial or investment property is occupied by the owner/borrower, then the Loan to Values can reach 90% but typically are less.
    
    Preferred Lenders can approve SBA guaranteed loans “in-house”. This means that once the Preferred Lender’s Loan Committee approves a loan subject to the SBA Guarantee, the SBA Loan Confirmation Guarantee can be provided within 24 hours. Initial processing and underwriting timeline is approximately 30 days.
    
    When SBA declines its Guarantee to a business (primarily due to lack of 100% additional loan security), once the business has received its loan approval through Charter Financial’s 89 community commercial banks, Charter Financial has secured other financial guarantees through one of multiple Federal and State Financial Guarantee agencies; various municipality city agencies; and other Capital Market financial institutions.