Business Financing & Notes Purchases

KLARAS Group, LLC arranges all forms of “low doc” (reduced income documentation) business financing for purpose of business acquisition, expansion, capital improvements, inventory, working capital, equipment leasing or purchase financing and a wide variety of other uses. Financing is available with or without the purchase or involvement of real estate as an asset.

KLARAS Group, LLC is a nationwide buyer of “seller financed” business notes and commercial mortgages. In many cases, when a seller of a privately held business decides to seller his or her business or commercial property, he or she may offer to “take back” a seller financed note, whether it be in first lien position or second. This is usually, but reluctantly done to increase the marketability of the business or property by making it easier for buyers to qualify for financing as opposed to traditional bank and/or SBA (Small Business Administration) financing. We say sellers offer seller financing reluctantly because obviously a $1.00 today is worth more than a $1.00 in ten years from now, a basic time value of money concept. However, often times, the business or property would not sell at all without seller financing, so sellers continue to offer seller financing and continue to assume the risk of a large payout over a long period of time, provided the business remains viable under its new ownership and no unforeseen events occur that would prevent the buyer/note payor to the payments he or she has obligated themselves to make, however the risk is that “life happens” .

KLARAS Group, LLC buys the future payments of business notes and commercial mortgages for “lump sum cash today”. Because of the transfer of risk issues and because often times business sellers being the entrepreneurs that they are, need a lump sum of cash to get on with their next venture. It is for these reasons that KLARAS has been so successful in assisting business and commercial property sellers to realize their long term goals without undue risk.

It should be noted that in many cases, KLARAS Group, LLC, can buy notes that are currently in default or are in danger of default. Many notes do not require any seasoning, or in other words, “a payment track record”