Specialty finance- PCR provides a variety of different types of commercial and business financing

Asset Based Lending: An asset based loan is tied to your balance sheet assets, such as accounts receivable and company inventory. If you become unable to make payments or otherwise violate the terms of your loan, your collateralized assets will become available to the lending party. This loan offers a much lower interest rate, in exchange for pledging your balance sheet assets as collateral.

Mezzanine Loans: A mezzanine loan is a combination of debt and equity financing that gives the lender the right to convert the loan to a equity position in case default. It is not generally secured by assets or otherwise backed by collateral. Rather, it is based on your ability to repay the loan on the basis of your cash flow and sales volume. Given the unsecured nature of mezzanine debt, a loan of this sort will carry a higher rate.

Lines of Credit: A Line of Credit (LOC) is one of the most flexible financing options open to business owners. A LOC allows you access to a set of capital determined in advance. As you draw money from this amount for business expenses, you will then carry a credit balance, with interest. This balance may then be repaid in monthly installments, or in a lump sum, according to your preferences and circumstances.

Construction Loans: A construction loan is a debt facility used to complete the construction on real estate projects.

Land Acquisition: A acquisition loan is used to help buyers purchase the property or lot.

SBA Loans: Small Business Administration

Refinancing: Refinancing is used to replace an older loan with typically lower rates and better terms.

Purchase order financing: As a distributor, purchase order financing gives you the cash you need to pay the manufacturers of your goods and products. Purchase order financing tends to be a short-term arrangement. You will generally pay off your loan after you’ve been paid by your own customers for the financed goods. It lets you quickly acquire the goods and products you need as a reseller or distributor.

Hard Money Loans: A hard money loan is a asset based loan which the borrower receives capital secured by property, not by creditworthiness. These loans have lower loan to value ratios, higher rates, and typically close faster than other loan products.

Start-up Funding: Provides startups, typically pre-revenue, with the capital (debt and/or equity) that they need to grow.

Merchant Cash Advance: A merchant cash advance entails paying off your ACH advance in daily increments, as an automatically deducted percentage of your credit card batches (Visa, Amex, MasterCard, and Discover) This percentage will be deducted from your daily batches until your ACH advance is repaid in full and all terms are satisfied.

Bridge Loans: Bridge financing is a loan taken out to cover a company’s solvency requirements while they secure longer-term financing. This is the solution to pursue when you’ve “run out of runway” financially, but predict you could achieve profitability if you remain solvent for a short while longer. A bridge financing loan is generally a last ditch effort to finance a company, and therefore will carry a higher interest rate.

Equipment Lease Financing: Equipment leasing lets you bypass the incredibly costly process of purchasing operational equipment upfront. An equipment lease offers a very low interest rate, as the equipment is already own by the lender. Moreover, your rate will be fixed rather than floating, making this a very popular business loan.

Working Capital Loan: As the name implies, a working capital loan provides the cash necessary to finance your business’s daily operations. Accounts payable, wages, and inventory are all examples you’d finance with a working capital loan. A working capital loan can cover revenue lags for seasonal businesses, unexpected shortages in working capital, and otherwise support your operational costs.

Factoring: A factor is a business that finances a company's receivables. The factor agrees to pay the company the value of an invoice less a discount for fees. A company that gets paid 60-90 days later may use this because they need the capital immediately to run operations or generate more business.

Business Acquisition: This loan product is used to acquire other existing businesses and fulfill a firm's m&a pipeline.

Franchise Funding: A loan used to purchase a franchise which allows the franchisee to sell a product or provide a service.