Business Loans & Financial Services

GROW YOUR BUSINESS BY GETTING THE CASH YOU NEED FOR INVENTORY, MARKETING, EXPANSION, PAYROLL, AND MORE.

 

GET THE MONEY YOU NEED TO PAY BILLS, TAXES AND VENDORS, OR, USE THE MONEY TO UPDATE YOUR EQUIPMENT AND INCREASE EFFICIENCY.

 

WE TAKE EVERY OPPORTUNITY TO HELP STRENGTHEN SMALL BUSINESS OWNERS. WE EMPOWER YOU TO DO WHAT YOU DO BEST — WITH CUSTOMIZED SMALL BUSINESS LENDING OPTIONS, AND RESOURCES TO HELP FOSTER YOUR FINANCIAL WELLBEING AND ALLOW YOU TO TRANSFORM YOUR VISION INTO REALITY.

 

WE’RE A PASSIONATE TEAM OF INDIVIDUALS, DRIVEN BY HARD WORK, ETHICS, MUTUAL RESPECT AND TRANSPARENCY. WE LISTEN TO OUR CUSTOMERS, UNDERSTAND THEIR NEEDS AND NURTURE THEIR PASSION INTO THRIVING BUSINESSES.

 


Small businesses may be the engine of our economy, but many small business owners view the lending process as complicated and frustrating. Too often, growing businesses find themselves shut out when they attempt to obtain small business loans. In theory, it should be difficult to obtain funding–lenders are in the business of making money, not providing charity. Still, with Ogratis, there are many ways to improve your odds of getting a loan.


Providing revenue cycle management services has become a necessity. To grow your business, you need strong cash flow and access to capital and equipment. To assist you in this, you may consider working with a commercial lending company. However, not all lenders are alike.


Unlike many traditional banks, Ogratis can meet with you personally to discuss your business operations and needs, your current performance and competitive position, and collectively help you establish the best method to reach your business goals and objectives. We work with partners that use this information to evaluate your financing needs and how to address them. Whereas other lenders or traditional banks, would typically rely on credit score alone, while we look at the entire picture.

BENEFITS OF COMMERCIAL FINANCING

 

Ogratis specializes in commercial financing methods and solutions via its partner network. Our team of professionals are experts in these trades and can provide guidance for your company’s success.

Although many financing companies today provide a more hands-off approach, we do things a little differently, in a way, where we personalize the experience and help address/identify any potential strengths, weaknesses, opportunities, and threats to your business, while working closely with you to structure a plan of action that will help address those categories for your best interest.

We understand the value of time and money. That’s why your local representative can meet you and develop that personal relationship and approach. Working with Ogratis, means you will receive a personal point of contact during every stage of the process and life of your loan and relationship with us.

COMMERCIAL BUSINESS LOANS FOR MIDDLE MARKET BUSINESSES

 

Our financial solutions are designed for small to mid-sized companies, looking to purchase equipment, refinance, obtain small business loan, or larger commercial loans to help expand their business.

We work with companies that have existing loans with other lenders and help them consolidate this debt into one monthly payment, or help you obtain further financing as needed for your current business criteria and needs.

If you are looking for a company you can trust and to work closely with you on a personal level, look no further than Ogratis. We know you work hard, and we will work hard for you.

Whether it’s cash or equipment financing, you’re just a few steps away from getting the money you need. Call us to make an appointment so we can help.

WE ARE SMALL BUSINESS FUNDING COMPANY,POWERED BY FINANCE PROFESSIONALS AND FUELED WITH PASSION

 

Small business owners face both challenges and opportunities on a daily basis that require them to have access to capital. Ogratis offers small business loans, revenue-based financing, cash flow & working capital solutions to help you overcome the challenges unique to your business, or to take advantage of important time sensitive opportunities.

From purchasing inventory and equipment to remodeling and advertising, small businesses need capital for many reasons. Our business financing products may be used for any business expense, even if you just need an influx of capital to boost your cash flow. We offer both fixed and flexible repayment options, customizing your funding to meet your business’s cash flow model.

We combine data-crunching software with a human touch to come up with affordable funding solutions that best fit your needs. Ogratis is a team of the right people, working with the right data, getting you the right-sized funding for your business. At Ogratis, we believe we are different from other lending firms.

We never set out to be the biggest, but we constantly strive to be the best. Our deep sense of integrity, professionalism, and commitment to the spirit of entrepreneurialism, propel our determination to provide assistance to small business owners in a challenging economic climate.

UNDERSTANDING THE 10 TYPES OF BUSINESS LOANS

 

  1. Term Loans:   A term loan is a common form of business financing. You get a lump sum of cash up front, which you then repay with interest over a predetermined period. Online lenders offer term loans with borrowing amounts up to $1 million and can provide faster funding than banks.
  2. SBA Loans:   The Small Business Administration guarantees these loans, which are offered by banks and other lenders. Repayment periods on SBA loans depend on how you plan to use the money. They range from seven years for working capital to 10 years for buying equipment and 25 years for real estate purchases.
  3. Business Lines of Credit:   A business line of credit provides access to funds up to your credit limit, and you pay interest only on the money you’ve drawn. It can provide more flexibility than a term loan.
  4. Equipment Loans:   Equipment loans help you buy equipment for your business. The loan term typically is matched up with the expected life span of the equipment, and the equipment serves as collateral for the loan. Rates will depend on the value of the equipment and the strength of your business.
  5. Invoice Factoring:   Let’s say your business has unpaid customer invoices, which typically are paid in 60 days. If you can’t wait that long to get paid and need cash now, you can get money for those unpaid invoices through invoice factoring. You’d sell the invoices to a factoring company, which would be responsible for collecting from the customer when the invoice is due.
  6. Invoice Financing:   This is similar to invoice factoring, but instead of selling your unpaid invoices to a factoring company, you use the invoices as collateral to get a cash advance.
  7. Merchant Cash Advances:   You get a lump sum of cash up front that you can use to finance your business. Instead of making one fixed payment each month from a bank account as you would with a term loan, you make payments on a merchant cash advance either by withholding a percentage of your credit and debit card sales daily, or by fixed daily or weekly withdrawals from a bank account.
  8. Personal Loans:  It is possible to use a personal loan for business purposes. It’s an option for startups, as banks typically don’t lend to businesses with no operating history. Approval for these loans is based solely on your personal credit score, but you’ll need good credit to qualify.
  9. Business Credit Cards:   It is possible to use a personal loan for business purposes. It’s an option for startups, as banks typically don’t lend to businesses with no operating history. Approval for these loans is based solely on your personal credit score, but you’ll need good credit to qualify.
  10. Microloans:  Microloans are small loans — $50,000 or less — offered by nonprofit organizations and mission-based lenders. These loans typically are available to startups, newer businesses and businesses in disadvantaged communities.

THANK YOU FOR VISITING OUR SITE. YOU ARE BEING REDIRECTED TO OUR NEW WEBSITE WWW.OGRATIS.COM DUE TO THE TREMENDOUS RESPONSE FROM NUMEROUS BUSINESSES IN BOTH MEDICAL AND NON-MEDICAL AREAS. THEREFORE, WE HAVE RE-BRANDED OUR COMPANY NAME TO “OGRATIS” FROM “MED OPS RESOLUTIONS”. OUR SERVICES HAVE EXPANDED TO SUPPORT ALL BUSINESS IN ALL INDUSTRIES/SECTORS, WITH THE SAME TOP-NOTCH CUSTOMER CARE, AND REMAINING UNDER THE SAME STRONG LEADERSHIP TEAM. THANK YOU!