Working capital
Bridging the gap between paying suppliers and collecting from customers.
BUSINESS FINANCE
Business financing through a tender among about 40 lenders
SBC helps Israeli businesses get financing by preparing one credit file and presenting it to the lenders that fit it, out of about 40 banks and non bank lenders, so they compete for the business. We cover working capital, equipment, growth, import and supplier finance and refinancing of existing debt. SBC does not lend money itself, and our fee is success based.
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Most businesses ask their own bank, get one offer and decide on it. When several lenders see the same file at the same time, you can compare rates, fees, collateral and covenants side by side, and choose.
What we finance
Equipment
Loans and leasing for machinery, vehicles and systems.
Growth
A new branch, a new line or a new market.
Import and supplier finance
Orders, inventory, guarantees and letters of credit.
Refinancing
Consolidating and restructuring existing loans and facilities.
State guaranteed loans
Checking whether the state guaranteed loans fund is a fit, on its official conditions.
How a financing tender works
We build one file in one version that every lender receives, choose the lenders that fit the need, the amount and the profile, and manage their questions until offers arrive.
Then we compare the offers with you: rate, fees, collateral, covenants and flexibility. The choice is yours, and sometimes the winning offer is your own bank, once it knows others are competing.
How we work with you
Diagnosis
A conversation on the purpose, the amount and the repayment, and a look at existing debt.
Documents
Statements, bank activity, a credit data report and a short explanation of anything that needs one.
Submission and competition
The file goes to the lenders that fit it, at the same time.
Negotiation and closing
We compare the offers with you and negotiate the terms until signing.
Support after closing
We stay available for drawdowns, reporting and the next need.
What we need from you
- Financial statements and a recent trial balance
- Bank statements for recent months
- A list of existing loans and facilities
- The purpose and the amount
- Company registration documents
Calculator
Business loan calculator: monthly payment and schedule
The SBC business loan calculator shows the monthly payment, the total interest and the total cost of a loan from the amount, rate and term you enter, with a fixed payment (Spitzer) or equal principal. It also shows the full schedule by year and by month. The result is an indication only, not an offer and not a commitment.
An indication only, not an offer and not a commitment. Actual terms are set by the lender, based on the full file.
The rate in an offer you have, or an assumption to test. Not a rate we offer.
The result
- Monthly payment
- ₪9,901
- Total interest
- ₪94,036
- Total cost
- ₪594,036
Monthly payment: ₪9,901. Total interest: ₪94,036. Total cost: ₪594,036.
Over 5 years. With Spitzer the payment is fixed and its interest part falls over time; with equal principal the first payment is higher and the total interest lower.
Balance ₪500,000 falls to 0 after 5 years.
Amortization schedule
| Year | Paid | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ₪118,807 | ₪86,549 | ₪32,258 | ₪413,451 |
| 2 | ₪118,807 | ₪92,806 | ₪26,002 | ₪320,645 |
| 3 | ₪118,807 | ₪99,515 | ₪19,293 | ₪221,131 |
| 4 | ₪118,807 | ₪106,708 | ₪12,099 | ₪114,422 |
| 5 | ₪118,807 | ₪114,422 | ₪4,385 | ₪0 |
More calculators on this: Business refinancing calculator, How much credit can the business raise
Questions and answers
Does SBC lend money?
No. SBC does not lend. The lenders, banks and non bank lenders, decide on approval, amount and terms. Our role is advisory: preparing the file, creating competition and helping you choose.
How much does it cost?
The first review is free of charge, and our fee is success based, agreed with you in advance.
Is approval guaranteed?
No. Approval and terms are the lender’s decision, and nobody can guarantee them in advance.
Do you work with small businesses?
Yes. In the first conversation we tell you whether the request fits our process.
Want to check this on your own numbers?
A first conversation and an initial review, at no cost. Our fee is success based.
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