The Capital Reserve small business financing programs, offered by Financial Management Services, Inc. (“FMSI”), provide cash flow to growing businesses.  Since 1973, FMSI has assisted small businesses with products such as private label credit cards, consumer job financing, installment loans, credit management services, investment and treasury management tools, and marketing strategies designed to enhance cash flow, increase sales and maximize bottom-line profits.

Two financing options, Business Term Loans and Business Lines of Credit, facilitate the needs of small business.  The business owner decides when and how to deploy the funds.  Whether it is for general business operations, market expansion, equipment purchase, or any other business need, Capital Reserve is the business owner’s cash flow solution.

Business Line of Credit

The Capital Reserve Business Line of Credit accommodates any business purpose.  Access cash quickly and conveniently.

How it works:

1. To apply, complete the credit application and fax, scan/email or mail it in for approval.
2. Upon approval, funds are immediately available.
3. Minimum withdrawal is $500.
4. Funds are drawn through secure online access and ACH authorization.
5. Funds may be used for any business purpose.
6. Low minimum monthly payments are automatically withdrawn from designated business accounts.
7. Larger payments are accepted at any time without fee.

Credit Limits:  $5,000 to $100,000.
Terms: Revolving line of credit.
Interest Rate: The APR will vary. The current rate as of 9/1/11 is 15.25%.*
Collateral: Secured by business assets and personal guarantees.
Fees: Withdrawal fee of 1.5% ($10 minimum) will be applied to each transaction.
The annual fee is $50.*

*See the Capital Reserve Business Agreement for complete terms and conditions.

Business Term Loans

Capital Reserve Term Loans are immediate lump-sum, short-term financial solutions structured for up to three years.

How it works:

1. To apply, complete the credit application and fax, scan/email or mail it in for approval.
2. Upon approval a monthly payment amount and term is established.
3. Available funds are deposited in a designated business deposit account.
4. Payments are automatically withdrawn from designated business accounts.

Credit Limits: $5,000 to $100,000.
Terms: 3 to 36 months.
Interest Rates: Will vary with the loan term.*
Collateral: Secured by business assets and personal guarantees.
Fees: 1.5% loan closing fee.  No pre-payment penalties.

*See the Capital Reserve Business Agreement for complete terms and conditions.