1. What is a business financial consultant (BFC)?
2. Why should I use a BFC?
3. Can an agent at a bank get me the same loan?
4. What if my bank has already turned me down?
5. What if my business has bad credit or it is just starting up?
6. What can I expect from the BFCs?

1. What is a business financial consultant (BFC)?

Our Business Financial Consultants, BFCs, are much more than just agents. They are fully trained to analyze your business’s financial situation and provide viable and appropriate financial solutions. Our BFCs are up-to-date with the latest products our lenders are offering. As a member of the National Association of Equipment Leasing Brokers, Full Spectrum Financial requires the BFCs to conform to the NAELB’s Code of Ethics. BFCs also have access to hundreds of lenders across the nation including banks, commercial, and private lenders. BFCs have access to lenders that specialize in any commercial industry as well as nonprofit organizations, unions, and government entities. Our BFCs can even help you if your business’s request has previously been rejected by a bank or if it has poor credit. No matter what your business’s needs are, our BFCs will use all of its resources to satisfy them.

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2. Why should I use a BFC?

Our BFCs are not limited to a handful of lenders; they have access to resources that most brokers and loan agents do not. They have established relationships with lenders in virtually every industry. Generally, a broker specializes in just one business financing product, whereas, a BFC can finance entire companies using multiple products. Our BFCs will match their client with the most appropriate lender.

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3. Can an agent at a bank get me the same loan?

Agents within the bank must work under the parameters given to them by their institution. If the client does not fit within the parameters, bank agents will turn down their clients with very little to no suggestive recourse. However, our BFCs will be able to analyze their client’s financial status and match them with a lender that will best fits within the client’s parameters.

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4. What if my bank has already turned me down?

Our BFCs can help you even if your current financial institution has rejected your proposal. They have a variety of products available to them that would not require perfect credit. They also have access to bank alternatives such as commercial and private lenders, leasing companies, factoring companies, insurance companies, among others. If we cannot get you the loan, nobody can.

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5. What if my business has bad credit or it is just starting up?

Most banks require high credit ratings and a positive track record to ensure security. However, we have access to lenders that specialize in “C” credit ratings, i.e. an established business with a low credit score, or a new business with average credit. We can even try to find financial solutions that require very little to no credit.

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6. What can I expect from the BFCs?

Full Spectrum Financial is a proud member of the National Association of Equipment Lease Brokers, and strictly follows the NAELB’s Code of Ethics in all of its business handlings, whether they are lease transactions or not. Our BFCs are also experts in the financial industry, and will work diligently to answer the questions you may have and find the funds you need. Our clients can rest assured that their BFC will keep them up-to-date with the latest developments of their financial solutions package either in person, over the phone, or through email. They will take care of you to the best of their ability because we know that your business is our business.

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