Mortgage Loan Originators (MLO)


As an MLO you know much of what you do is dictated by market conditions. While Resale home transactions rose 1.1% in March showing that buyers are hungry to buy, listings have declined 7.2% versus last March. Home prices have risen 5.8% since last year and it’s all driven by a wildly successful economy and a resistance by local and state governments to support home development in their jurisdictions.

New homes sales have risen for 2 months straight; however they’re down 1.1% from same time last year.  And while prices haven’t hit the 2007 records, they are too high for most to afford even though wages have grown. Home prices are now running at double the average wage increase. These trends fully indicate a strong but dwindling inventory of purchase transactions.  As the rates move upward those who haven’t refinanced might start waiting thinking they might come back down. Now is the time to make sure you are doing everything it takes to attain and retain your new and existing client base.

At Mission Valley Capital we provide you an additional solution for your client base.  When one of your self-employed clients’ needs to refinance their existing commercial Real Estate loan to get their DTI in line we can help.  Perhaps a client has equity in a commercial building they want to use as a down payment for a home purchase with you.  We can assist in providing low rates, solid terms and the best service in the industry.  Call us today to see how you can get your clients the extra help for their business that will guarantee you a client for life.

Merchant Cash Advance and Business Term Loans

The Merchant Cash Advance (MCA) industry has helped many small and medium businesses get the cash they need for projects, expansion and increased inventory, just to name a few. But if a business owner isn’t prudent, these loans can be an unhealthy financial decision for the very business they are trying to grow.  There are some situations where an MCA loan makes sense, like when the money borrowed is used for a project where the increased revenue will exceed the cost of the money or when emergency funding is needed.

The alternative is a bank loan but banks won’t lend unless your personal credit, revenue and income is perfect and the business has a long track record.  So business owners feel trapped between a Merchant Cash Advance with a high rate and short term or a cookie-cutter bank loan they can’t get approved for anyway.

At Mission Valley Capital we don’t take the one-size-fits-all approach.  While we can offer MCA loans we also provide Commercial Financing, Private Equity, Institutional loans, Purchase Order and Business Term Loans.  Having numerous products means we never put you in a loan that would hurt your business.  We provide multiple quotes catered to your business model and can even help to get your personal credit back on track if less than ideal.

Recently, many of our clients have opted for a Business Term Loans. This is the solution for merchants looking for a monthly payment with extended payback terms and rates 5 times less expensive than a Merchant cash Advance.  While the health of your business must be solid to qualify, the approval process requires far less than that of a bank.

Stop finding yourself between a rock and a hard place and call Mission Valley Capital today.  Don’t get stuck in the rut of worrying about how to pay the bills when you have a business to run.  Call Mission Valley Capital today.

Business Credit

Without strong personal credit a business owner can cost their company thousands of dollars in real profit every year. When you want to grow, a capital injection is essential. Whether you’re hiring, expanding or creating new marketing campaigns, having access to funding is vital to the health of your company. Profit margins determine your financial well-being so the cost of the money you acquire can be the difference between success and failure.
Many owners don’t appreciate the fact that strong business credit starts with strong personal credit. It takes an average of 2 to 3 years before worthwhile business credit is established and you can have setbacks along the way. At Mission Valley Capital we establish long-term financial relationships with business and commercial entrepreneurs across the country. We offer financial solutions throughout the credit and revenue spectrum.
Having Mission Valley Capital in your corner will allow you to build and grow your business the right way. There is never any obligation. Call us today and start building towards your financial future.