BCI Lending Services, also known as
Business Carolina, Inc., is a not-for-profit economic developer that is devoted to promoting
economic growth in South Carolina, North Carolina, and Georgia by providing loans to small
businesses.
1.) Agility:
BCI Lending is an independetly-owned and operated organization that is an
SBA Preferred Lender. As such, BCI is
able to handle your entire loan request as though we are an extension of the Small Business Administration and
we act with the authority of the SBA to obligate them for their guarantee of your
loan. This results in an astoundingly fast
loan process and your small business
gets its needed funds much quicker.
2.) Flexibility:
BCI's
small business loans can be used for a variety of business purposes, including:
-Expansion
-Purchase of fixed assets (i.e. real estate or equipment)
-Business acquisitions
-Replenishing working capital
-Debt restructuring
3.) Expertise:
We've helped thousands of entrepreneurs develop and hold on to their dreams over
the past 20 years. BCI's Loan Committee consists of only senior management who
personally assess each application for approval. BCI Lending's diverse client
list includes: pharmacies, printers, assisted living facilities, waste removal
services, daycares, food services, distribution companies, warehouses, ice cream
shops, equine product manufacturers, mulch and landscaping companies, flooring
manufacturers, hotels, restaurants and other hospitality services, various
national franchises, CPAs, chiropractors, and medical practices; some of these can be
seen in our
success stories.
4.) Stability:
Our business loans are all
fully amortizing, truly unique among lenders. Unlike
a traditional bank's "long-term" business loan, which often result in a demand
of full repayment of debt only several years after closing (known as "balloon
payment"), our business loans are truly long-term; your business repays its loan
on a contractual schedule for the life of the loan with no early due dates. This
provides stability for your small business when it needs it the most with no
surprises and no disruptions in business.