About Busy Bee Services Inc
We do not lend the money.
We find who will.
Busy Bee Services Inc has been placing business and real estate financing since 2013, out of Aurora, Illinois, in all 50 states. We are a broker. One application, read by a person, matched against the lenders whose programs actually fit the file. Your Success Is Our Business is not a slogan we picked at random. It describes the one thing we get paid to do.
The model
What a broker actually does
The word gets used loosely in this industry. Here is what it means at this company.
A broker does not lend money. Busy Bee Services works with a network of lenders, and each one has its own credit box, its own industry list, and its own speed. When an application comes in, it gets read against those boxes and sent to the ones it actually fits, instead of the one lender you happened to find first.
This is why a single application can reach programs ranging from a same day cash advance to a hard money purchase to an SBA 7(a) loan. The file does not change from program to program. Where it gets sent does.
A broker is typically paid by the lender once a deal closes, not by you directly, and Busy Bee Services does not charge a fee to submit an application or to find out whether a deal is possible at all. Third party costs, such as an appraisal, are paid to whoever performs that work, not to us.
Straight talk
Start at your own bank if you can
If your business has two clean years, strong credit, and no deadline, your own bank will very likely beat anything placed through this network. A bank's cost of money is lower than a network built around files a bank already turned down, so a bank should be your first call, not your last.
Where this fits is the file that does not look like a bank file. Revenue is strong but the credit score is not. The property is right but the closing has to happen in three weeks. There is no US credit history to underwrite against. The industry gets declined on principle rather than on the numbers. None of that makes a deal bad. It makes it the wrong shape for a bank, and a better fit for the lenders we work with.
We would rather point you back to your bank than have you pay more than you needed to. Prequalifying here costs nothing and does not touch your credit, so there is no downside to comparing both.
One intake
Business and real estate financing, under the same roof
Most brokers work one side of this or the other. Owners often need both, sometimes on the same deal, so both run through the same file here.
Business financing
Working capital for a company that is already operating: cash advances, revolving credit, equipment, startup capital, and SBA programs when the calendar allows for one.
See business programs →Real estate financing
Leverage placed against a property: hard money, fix and flip, commercial, bridge, and foreign national files. The deal is underwritten against the asset and the exit.
See real estate programs →Programs
The range, in plain terms
Overall, the network places financing from $20,000 to $50,000,000. What that looks like by program:
- Merchant cash advance. Funding in 24 hours or less, no minimum credit score, daily or weekly payments, open to every industry.
- Business line of credit. $5,000 to $55,000, approval in 24 hours, same day funding, and you pay only for what you draw.
- Small business loans. $20,000 to $5,000,000, no collateral needed, an offer within 24 hours.
- Startup and personal loans. $20,000 to $500,000 for a 680 credit score or above, terms of 1 to 5 years, and you can prequalify with a soft credit pull.
- Equipment financing and leasing. Available after 1 year in business, terms up to 5 years, structured as financing, a lease, or a leaseback on equipment you already own.
- SBA 7(a) Express. $30,000 to $500,000 in all 50 states, terms up to 10 years, rates from 6% to 10%, for a business with 2 years of history, a 680 credit score, profitability, and an eligible industry. Funding takes about a month.
- Hard money, fix and flip. Up to 80% of purchase price and up to 100% of rehab funds, a minimum loan of $100,000, rates starting at 6%, funded nationwide for a purchase or a cash out refinance, with minimal documentation and a fast close.
None of these numbers is a promise. Each is a range the lenders in this network have funded before, and every file is still underwritten on its own terms.
The figures above are third party lender program ranges. They are subject to underwriting and approval, and none of them is an offer or a commitment to lend.
Point of contact
A person reads the file
Beverly Warren is the Regional Financial Advisor for Business and Real Estate Solutions at Busy Bee Services Inc. She is the person a completed application reaches, on both the business and the real estate side, and the point of contact if you want to talk through a file before you submit it.
Reach her at 770-906-7777 or busybsolutions365@gmail.com. Aurora, Illinois is home base, and the network she works with covers all 50 states.
Find out where your deal actually lands.
One application, no credit pull, no fee. If a file does not fit anywhere in the network, you will be told that directly instead of being strung along.