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Financial Products

Featuring our groundbreaking line of credit

Welcome to Brace International's Financial Services, where our diverse experiences and strategic partnerships with leading financial organizations offer a unique advantage to our clients. Through our collaboration with these institutions, we provide a comprehensive range of lending options tailored to meet your specific needs. This partnership empowers our clients by offering a one-stop solution, combining expert consulting services with access to the funding necessary to execute their business and real estate strategies. With Brace International, you can leverage our expertise and network to unlock new opportunities and achieve your financial goals with confidence.

Unlock the potential of your real estate investments with our flexible and competitive loan products. Whether you're acquiring new properties, refinancing existing ones, or embarking on development projects, our real estate investment loans offer the funding you need to achieve your goals. With our expertise and industry knowledge, we work closely with you to structure loans that align with your investment strategy and financial objectives. Trust Brace International to be your partner in realizing the full potential of your real estate portfolio.

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Empower your business with the financial flexibility and liquidity it needs to thrive. Our Business-Personal line of credit offers a convenient and accessible source of funds for both business and personal use. Whether you're managing cash flow, investing in growth opportunities, or covering unexpected expenses, our line of credit provides the flexibility to meet your evolving needs. With competitive rates and customizable credit limits, you can trust Brace International to support your business's success with tailored financing solutions.

Achieve your personal and business goals with our installment loan offerings. Whether you're consolidating debt, financing home improvements, or funding major purchases, our installment loans provide the capital you need with manageable repayment terms. With competitive rates and efficient approval processes, we make it easy to access the funds you need to achieve your objectives. At Brace International, we're committed to building lasting relationships based on trust, transparency, and mutual success. Let us be your partner in financial empowerment and growth.

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Featured Product

Business-Personal Line of Credit (PLOC)

Introducing our groundbreaking Business-Personal Line of Credit (PLOC), tailored to empower entrepreneurs and business owners with the flexibility of leveraging marketable securities. These financial assets, including stocks, bonds, and mutual funds, are easily bought and sold on public markets, making them valuable tools for securing financing.
 

With loan amounts ranging from $250,000 to $20,000,000, available across all 48 contiguous States, our PLOC taps into the liquidity of marketable securities to provide unparalleled benefits and convenience. Enjoy interest-only payments, with no personal guarantee required, and absolutely no penalty for prepayment..
 

We recognize the importance of preserving your assets, which is why our PLOC ensures that you never have to close your asset account or sacrifice equity. Plus, with funds available only when needed, you're not obligated to take the full loan amount at closing, giving you ultimate control over your finances.


Qualifying is straightforward and seamless. Bank statements are not required, and even start-up businesses are welcome. As long as you're a US citizen with a credit score over 670 and can provide two years of tax returns, both business and personal, you're on your way to unlocking the financing potential of your marketable securities.
 

Backed by an FDIC insured institution, our PLOC offers security and peace of mind for your investments. Leverage rates are highly competitive, with options for 100% leverage on cash, 95% advance rate on cash value life insurance, 90% leverage on a Certificate of Deposit (CD), and 70% advance rate on non-qualified assets.
 

And here's the best part - our PLOC won't even show on your personal credit report, ensuring confidentiality and safeguarding your personal financial standing.


Don't let financing constraints hold your business back. Experience the freedom and flexibility of our Business-Personal Line of Credit, leveraging the power of marketable securities to unlock your full potential. Apply today and propel your business to new heights!

Let's break down the key points:

 

Loan Benefits:

  1. Loan Amount: Ranges from $250,000 to $20,000,000, available in all 48 contiguous States.

  2. Payment Structure: Interest-only payments (IO).

  3. No Personal Guarantee: No requirement for a personal guarantee.

  4. Pre Payment Penalty: No penalty for prepayment.

  5. Closing Costs: Covered by deducting from loan proceeds.

  6. Exclusion of MCA Loans: Merchant Cash Advances (MCA) are not considered.

  7. Preservation of Asset Account: There's no need to close the asset account and lose equity or growth.

  8. Flexibility in Fund Utilization: Funds are available only when needed, and you're not obligated to take the full loan amount at closing.

  9. No Commitment Until Hard Loan Approval: No commitment from the applicant until there's a Hard Loan Approval.

  10. Backed by FDIC-Insured Institution: The loan is backed by an FDIC insured institution.

  11. Leverage Rates: 100% leverage on cash, 95% advance rate on cash value life insurance, 90% leverage on a Certificate of Deposit (CD), and 70% advance rate on non-qualified assets.

  12. Confidentiality: The line of credit will not appear on your personal credit report.

Qualifications:

  1. Bank Statements Not Required: Bank statements are not necessary to qualify.

  2. Credit Score Requirement: Credit score should be over 670.

  3. Start-Ups Welcome: Start-up businesses are acceptable.

  4. US Citizenship: Applicants must be US citizens.

  5. Documentation: Two years of tax returns for both business and personal finances are required, along with a completed application and Personal Financial Statement.

  6. Eligible Asset Accounts: All asset accounts qualify except for retirement accounts.

  7. Minimum Duration: The loan should remain active for at least three months.

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