Business Financing
Don't know where to start? We'll help you find solutions that are right for your business. Start here.

Unleash your business’s ability to grow with access to effective financing solutions to meet your company’s needs. Whether you’re trying to meet seasonal expenses, fund capital expansion or acquire a new site, your Merrill Lynch Financial Advisor, working with a team of business financing specialists, can tap into a broad range of flexible financing vehicles and design the right solution for your business.

 

Term Loans

Grow your business with mid- to long-term business financing with fixed- and adjustable-rate financing. Or take advantage of our innovative WCMA Reducing RevolverSM Loan that combines term financing with the convenience of revolving credit. More

Commercial Line of Credit

Cover operating expenses or accommodate seasonal fluctuations with a commercial line of credit through your Working Capital Management Account® (WCMA® account). More

Real Estate Financing

Locate a competitively priced loan that fits your needs – either for investment growth or increased income – by leveraging your real estate financing options. More

Securities-Based Lending

Increase your borrowing power without liquidating investments by pledging eligible securities in your portfolio to secure financing for your business. More

Financing for Professional Practices

At Merrill Lynch, we offer a wide range of financing solutions to meet the specific needs of physicians and medical practices. More

Equipment Leasing

The Merrill Lynch BFS Equipment Leasing Program can take all the guesswork out of business leasing. If you would like to lease computer equipment and software, medical equipment, office equipment or industrial equipment...we can help! More

Reporting

View, download and print reports showing all your loan activity – from payments to balances – with the convenience of Merrill Lynch Business Center Information Reporting. More

Determine a Loan Based on Your Needs

Loan Type

 Description

Owner-Occupied Real Estate Financing

 Finance up to 80% of appraised value on a purchase or refinance owner-occupied real estate.

Income-Producing Real Estate Financing

 Locate a competitively priced loan that fits your needs – either for investment growth or increased income.

Securities-Based Financing

 Increase your borrowing power without liquidating investments by pledging eligible securities in your portfolio to secure financing for your business.

Equipment Financing

 Use a term loan to purchase the equipment your business needs to succeed.

Working Capital Financing

 Gain access to working capital to cover your operating expenses with a commercial line of credit.

Acquisition Financing

 As your business grows, you may need access to term loans to acquire another company.

ESOP Financing

 Term financing and Qualified Replacement Property (QRP) investments for Employee Stock Ownership Plans (ESOPs) can meet the needs of your developing business.

Buy-Out Financing

 Over the life of your business you may need access to business financing to buy out a stakeholder in your company.

Refinancing ShareHolder Debt

 If your business acquires shareholder debt you may consider refinancing this debt with term loan financing.

Inventory Financing

 A commercial line of credit can be used for your business’s short-term inventory financing needs.

Seasonal Financing

 Accommodate seasonal fluctuations in your business’s working capital with a commercial line of credit.

 

Related Products & Services

For your business financial needs:

For your personal financial needs:



For more information call 1.866.4ML-BUSINESS (465-2874) or e-mail us at AskMLBiz@ml.com.

Merrill Lynch, Pierce, Fenner & Smith Incorporated is a registered broker-dealer, not a bank, and the WCMA account is not a bank account. Banking services are provided by licensed banks or by third parties through arrangements with licensed banks. Unless otherwise indicated, investment products are not FDIC-insured, not guaranteed by a bank and may lose value.

Working Capital Management Account, Loan Management Account, WCMA and LMA are registered service marks of Merrill Lynch & Co., Inc.

The WCMA® account is a product of Merrill Lynch, Pierce, Fenner & Smith Incorporated.

The WCMA® Commercial Line of Credit, which is linked to the WCMA® account, is offered through Merrill Lynch Commercial Finance Corp.

Term loan financing and the WCMA Reducing Revolver Loan are offered through Merrill Lynch Commercial Finance Corp.


Financing, including the WCMA Reducing Revolver loan, is through Merrill Lynch Commercial Finance Corp., 222 North LaSalle Street, 17th Floor, Chicago IL 60601-California Loans made pursuant to a Department of Corporations California Finance Lenders license.  Programs, options and property types are not available in all states and are subject to change.  Certain conditions, restriction and costs may apply, Not all features are available with all programs.  All loans are subject to credit review and approval. 

WCMA Reducing Revolver is a service mark of Merrill Lynch & Co., Inc.

Should the value of securities pledged as collateral decrease below a certain level (as specified within the loan document), the deposit of additional assets and/or liquidation of assets may be required. Securities-based loans cannot be used for investment purposes. A complete description of the loan terms can be found in the Loan Agreements. When considering Merrill Lynch financing, take into account your individual requirements, portfolio makeup and risk tolerance, as well as capital gains taxes, portfolio performance expectations and investment time horizon.