Green Loans & Equity Finance

We are a mission-driven financing intuition.  We unlock the potential of Asian American and Asian Canadian enterprises to serve as catalysts in the $300 trillion shift toward a sustainable planet.

Green finance is transforming the way money flows in the global economy—redirecting capital from polluting industries to climate-positive projects. The emergence of various types of green finance incentivizes the usage of clean energy, sustainable agriculture, and resilient infrastructure, aligning financial growth with environmental sustainability.

Unlike traditional finance, green finance focuses on profitable activities that do not affect the environment. It supports projects such as:

Renewable energy installations

Climate-resilient infrastructure

Sustainable forestry and agriculture

Pollution control and clean transport

Every expanding enterprise should consider incorporating sustainable investing into its operations. One avenue to achieve this is through debt capital, which involves obtaining loans from institutions like investment banks or venture capital firms.

In collaboration with 1 Earth Holdings Inc., a Canadian biosphere startup, Biosphere Finance International can arrange green and sustainability-linked loans and equity for our valued clients and stakeholders in North America.

Our Historical Profile (North America SME Clients)

We provide wide range of advisory services to SME clients in the USA, including accounting, tax and financial engineering, management consulting for new business development & business expansion, turnaround consulting for businesses in distress & facing bankruptcy, arrangement of structured financing for SMEs having complex financing needs, & small business loans, guaranteed by the US SBA and the USDA as well as conventional loans mainly CMBS. Arranged cumulative loans, including structured financing, in excess of $200 million for mainly Asian American small business owners for acquisition, establishment (including new construction involving real estate) and expansion of various types of businesses that included software/IT companies, convenience stores/gas stations, truck stops, restaurants, Laundromats, grocery stores, franchises, hotels etc.

Concierge Services (VIP Medicine) 

• Long term (one year or more) VIP Services for a reasonable one-time initial fee where actual fees will be much less than what is payable for standard brokerage and consulting services for a single deal.

•  Unlimited access for a wide range of advisory services during the contract period (one year or more) for delivering customized financing solutions to VIP clients.

• Services will include the entire domain of diagnostic and business advisory services that will significantly improve the client’s financial health during and after the contract period, and shall accelerate the achievement of the client’s financial goals.

Types of SBA Loans

• SBA 7(a) Loans. ($5 Million)

• CDC / SBA 504 Loans. ... (upto $14 Million)

• SBA Working Capital Line of Credit ($5 Million)

Use of Loan Proceeds

• Working capital

• Equipment purchases

• Refinance debt

• Buy a business or franchise

• Buy commercial real estate

• Leasehold improvements

Minimum Requirements

• 650+ Credit score

• 10-20% Down payment

• Some collateral (loan doesn’t have to be fully collateralized)

Interest Rates: Competitive

Loan Amounts: Up to $5 million for SBA 7a and Working Capital Line of Credit

Repayment Terms: 

• Up to 10 years for working capital loans

• Up to 25 years for commercial real estate loans

Uses of 7(a) Loan Proceeds

•  To provide long-term working capital to use to pay operational expenses, accounts payable and/or to purchase inventory (working capital line of credit

• Short-term working capital needs, including seasonal financing, contract performance, construction financing and exporting

• Revolving funds based on the value of existing inventory and receivables, under special conditions (working capital line of credit)

•  To purchase equipment, machinery, furniture, fixtures, supplies or materials

•  To purchase real estate, including land and buildings

• To construct a new building or renovate an existing building

• To establish a new business or assist in the acquisition, operation or expansion of an existing business

• To refinance existing business debt, under certain conditions

CDC / SBA 504 Loans at a Glance

Use of Loan Proceeds

• Owner occupied commercial real estate purchase, construction, or renovation

• Purchase of other fixed assets

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Minimum Requirements

• 680+ credit score

• 10% down payment

• Meet job creation or public policy goals

• Real estate must be at least 51% owner occupied

Interest Rates: Competitive

Loan Amounts: Up to $14 million

Repayment Terms: 10 or 20 years

Use of CDC/504 Loan Proceeds

A 504 loan can be used for:

• The purchase of land, inluding existing buildings

• The purchase of improvements, including grading, street improvements, utilities, parking lots and landscaping

• The construction of new facilities or modernizing, renovating or converting existng facilities

• The purchase of long-tem macinery and equipment

  Use of USDA Business and Industry Loan Proceeds

• Business conversion, renovation, and modernization

• Purchase of commercial real estate, buildings, or other commercial facilities

• Purchase of equipment, machinery, or commercial leasehold improvements

• Purchase of supplies or inventory

• Startup costs and working capital

• Debt refinancing when new jobs will be created by your project

• Business and industrial acquisitions when the loan will keep the business from closing or will save or create jobs

 Terms on USDA Business and Industry Loans Loan Amounts

• Upto $10 Million

• 80% for real estate

• 70% for equipment

• 60% for accounts receivable and inventory (SBA 7a working capital line of credit is more suitable for such loans)

Loan Repayment Terms

• Maximum term on real estate is 30 years

• Maximum term on equipment is useful life or 15 years, whichever is less

• Maximum term on working capital (e.g. inventory) is 7 years

 Conventional Loan Products

First Mortgage Loans

Income Producing Properties

Our flexible lending and creative financing capabilities provide clients with first mortgage loans on a wide range of income producing properties. We offer customized financing solutions for special requirements that may include:

• High loan to value

• Non or limited recourse needs

• Asset class not serviced by institutional lenders 

 Loan Parameters

• Loan Amount: $500,000 to $100,000,000

• Loan Terms: 1 to 6 years

• LTV: up to 75% (more in special cases)

• Locations: Urban areas across USA and Canada