The Power
of Good Advice
Welcome to the Stephens Consulting Group. We help you translate your business goals into reality if you are starting, selling, or dissolving a business. We also can assist you with tax matters, forming a business entity (sole proprietorship, limited liability company (LLC), corporation, S-corporation and partnerships), business loans, personal loans,
real estate loans, and for those who qualify a business grant.
Welcome to the Stephens Consulting Group. We help you translate your business goals into reality if you are starting, selling, or dissolving a business. We also can assist you with tax matters, forming a business entity (sole proprietorship, limited liability company (LLC), corporation, S-corporation and partnerships), business loans, personal loans, real estate loans, and for those who qualify a business grant.
SERVICES
Taking Your Business to
the Next Level
We’re Good with Numbers
28
Years of Experience
5
Qualified Experts
75
Clients Every Year- over
ABOUT
Our Experts Are the Finest
Everyday millions of people have a passion for starting and operating their own business. Unfortunately, many of them do not actually start a business and for those who do rarely achieve the business or financial success they seek not because they lack talent, vision, or work ethic. They do not achieve their objective because they do not get professional advice!
The Stephens Consulting Group was created 1992 by gradually combining the professional expertise of financial business, real estate, banking, and marketing services to enable us to help clients translate their business and financial objectives into reality.
Through a network of highly skilled lawyers, accountants, bankers, financers, and marketers the Stephens Consulting Group can turn your vision of starting, operating, buying, selling, or dissolving a business into reality!
The keys to our success is having a personal relationship with each client and our ability to map out a solution to their personal, often critical, business matter which has made the Stephens Consulting Group a trusted advisor to small business owners, not-for-profit organizations, aspiring entrepreneurs, and churches. Stop wasting time thinking about starting, operating, or resolving a business matter and start doing it!
TESTIMONIALS
“Thanks for helping me get a refund check when my employees were laid off during the pandemic.”
Josh Phillips
Company name
Business Loans
UNSECURED BUSINESS TERM LOAN FUNDING PROGRAMS
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From $2,500 with NO MAX approvals.
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All FICO scores considered. NO MINIMUM!
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As little as 3 months in business.
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Minimum $5K+ a month or $60K+ annually of gross business revenue required.
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Interest rates start at 5% and up.
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Monthly payment options for qualified applicants.
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Up to 5-year term available.
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Reports to business credit only. NO PERSONAL CREDIT REPORTING!
STARTUP BUSINESS FUNDING PROGRAMS
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Can be used for to be created businesses as well as existing businesses with little to no revenue.
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From $5K to $50K approvals.
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All 700+ FICO scores required or a credit partner that does.
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NO BUSINESS REVENUE REQUIREMENTS. At least $30K in verifiable income the past 12 months needed to apply.
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A TRUE line of credit. NOT CREDIT CARDS!
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Up to 5yr term.
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Interest rates start from 6% and up.
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Close in as little as three weeks.
UNSECURED BUSINESS LINE OF CREDIT PROGRAM
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From $5K to $250K approvals.
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1yr+ in business.
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Interest rates 8% & up
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Term up to 36 months.
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All 600+ FICO scores required to apply or a credit partner that does.
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Minimum $20K+ a month or $240K+ annual gross BUSINESS revenue on average to apply.
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Reports to business credit bureaus only. NO PERSONAL CREDIT REPORTING!
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True revolving line of credit. NOT CREDIT CARDS!
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Close within 7 days.
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No closing cost or origination fees for most options.
BUSINESS GRANT PROGRAM
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Up to $5M+ in grant money per business.
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This WOULD NOT be a loan that has to be paid back. PPP recipients eligible to apply.
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Must have 5 to 500+ W-2 employees that work 30+ hours a week to apply.
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Applying business must have been established no later than Feb 2020 to be eligible.
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Processing takes about one month. Receive grant funds in as little as 3 months.
Home Loan Financing
The Stephens Consulting Group can help your dream of owning a one, two or three family home a reality.
Real Estate / Commercial Lending
REAL ESTATE LINE OF CREDIT PROGRAM
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Unsecured and Secured Options.
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Can be used for fix & flips, ground up construction, & buy & holds.
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From $1M to NO MAX approvals.
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Minimum $100K in liquidity required for non-recourse secured LOCs. No liquidity for unsecured.
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All 680+ FICO scores to apply for unsecured. Non-recourse for secured LOCs.
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Interest rate 7% & up.
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Up to 5yr term.
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Relevant experience required depending on purpose for applying for LOC (unsecured or secured).
FIX AND FLIP FUNDING PROGRAMS
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As low as $50k purchase prices up to $10M approvals.
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Up to 90% of purchase & 100% of renovation cost depending on experience. First timers will need at least 20% of purchase price down.
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600+ FICO scores needed. CO-APPLICANTS & CREDIT PARTNERS WELCOMED!
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Interest rates 7% & up.
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Up to 12-month term.
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Close in as little as 10 days.
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As little as one point charged at closing.
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No appraisal, BPO options.
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STATED INCOME & INTEREST ONLY OPTIONS AVAILABLE!
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FIRST TIMERS OKAY!
BUY & HOLD FUNDING PROGRAMS
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Residential & Commercial.
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Up to 90% LTC including land acquisition, up to 100% for construction cost.
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Minimum $250K & up total project cost (land acquisition and construction cost or just construction cost) with NO MAX approvals.
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600+ FICO scores required to apply. CO-APPLICANTS/CREDIT PARTNERS WELCOMED!
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Interest rate 8% & up.
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Close in as little as two weeks.
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As low as 1 point charged at settlement.
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EXPERIENCE REQUIREMENTS: Must have at least one completed ground up construction project within the past 3 years. If not, your builder or an experienced ground up investor must sign on loan with borrower(s).
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CHECKLIST PRIOR TO APPLYING FOR TERMS:
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Must meet FICO & experience requirements listed above.
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Potential borrower or seller must have the land entitlements. You don't need to have the permits yet, but this is preferred.
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Itemized construction budget.
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Start to finish building plans.
BRIDGE LOAN FUNDING PROGRAMS (REHAB/NO REHAB)
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Residential & Commercial. NON-OWNER OCCUPIED & OWNER OCCUPIED OKAY!
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Up to 90% of purchase and LTV for owner occupied residentials. Up to 80% of purchase and LTV for non-owner-occupied properties.
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As low as $50K purchase prices for 1 to 4 FAM non-owner occupied residentials. Minimum $100K for all other properties.
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Interest rate 5% & up.
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Term as long as 30 years.
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All 600+ FICO scores required. CO-APPLICANTS & CREDIT PARTNERS WELCOMED!
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Close in as little as two weeks.
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STATED INCOME & INTEREST ONLY OPTIONS AVAILABLE!
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FIRST TIMERS OKAY!
GROUND UP CONSTRUCTION
FUNDING PROGRAMS
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Residential & Commercial.
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Up to 85% LTV (including rehab cost if needed) funded. At least 15% down of purchase price required.
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As low as a $50K purchase price to $70M+ approvals. Minimum $100K for all commercial properties.
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Commercial non-recourse options for $1M+ purchase prices. Residential non-recourse options for $400K & up purchase prices. All other bridge loans will require all 600+ FICO scores.
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Interest rates 7% & up.
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12-month to 36-month term.
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As little as one point charged at closing.
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STATED INCOME & INTEREST ONLY OPTIONS AVAILABLE!
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FIRST TIMERS OKAY!
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Close in as little as two weeks.
Business Accounting Services
Starting a Business
We can provide an accurate true final analysis of your business, including audited financial statements to attract buyers to your business.
Selling or Dissolving
If you are selling or dissolving a business, accurate financial audited statements and evaluation writeups can be prepared (inventory evaluation, debt consolidation, employee settlements, pay outs, financial statements and writeups).
Tax Matters
If you have tax problems, including wage garnishments and liens, we can negotiate payment plans with IRS and New York State, prepare business financial statements, audit financial statements, and handle all tax matters.
Not-for-profit organizations and church financial documents and statements preprepared.
*Employee tax credit filings prepared for qualified employees.
*No charge for clients
Starting A Not-For-Profit Organization
Starting a not-for-profit organization and making an impact on the work is not easy and does not happen overnight. Two challenges you will face are how to properly structure and sustain your organization. Even through your organization is not for profit, it must be operating like is it for profit.
There are things you need to know before starting a not-for-profit organization:
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Starting a not-for-profit organization is more than just a cool idea. It is an opportunity to address a need to solve a problem!
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After determining the need for the problem your not-for-profit is attempting to address, you must determine the cause of the problem.
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After ascertaining the root cause of the problem your NFP is attempting to focus on, you can now focus on establishing your organization.
The Stephens Consulting Group can help you create and properly structure your not-for-profit organization so that it is recognized as a legitimate 501(C3) organization. Including strategies to raise operating funds, how to attract volunteers and how to recruit board members. For a limited time, our firm is offering a $50.00 feasibility consultation fee to determine whether or not your not-for-profit organization idea can be financially and socially worthwhile to pursue. The $50.00 fee will be credited towards future services.
Other Programs We Help Our Clients With:
Employee Retention Credit
(ERC)
The Stephens Consulting Group can show business owners how they can get up to $26,000 per W-2 employee who worked 30 hours or more a week during the pandemic at no cost to you or your company!
Our specialists can get you the amount you deserve through our quick painless process. To get started, answer five simple questions, and send us a few documents and we will get a tax refund for you!
Answer these five questions and we will contact you within 48-hours to let you know if you are eligible.
Church Funding Programs
When churches attempt to obtain financing to purchase, build or expand their church home, they are often not approved, not because their projects are not worthwhile. Their projects often do not get approved because the church is unable to meet the lender's criteria. Since we have made over $2 Billion Dollars in church loans to churches across the nation, we have the resources and experience to get church projects funded to enable church leaders to do the work God has called them to do. We are confident that we can get your church approved. Loan amounts from $250,000 to $20,000,000 can be repaid over 20 years based on annual income, without a personal guarantee.
Affiliates
Ernest D. Loewenwarter Co., LLP
Certified Public Accountants
Federal State & Local tax audits, debt refinancing, deal acquisition, tax settlements
Griffin Capital Church Loans
Largest church financing company in the United States with over $2 Billion in closed church loans.
A-Zetta Computer Services
Digital marketing, website design and computer training.
FEE FOR SERVICES
Initial consultations are $50.00 paid prior to service, which is credited towards future services.
By submitting your information, you agree to pay a $50.00 initial consultation fee (30 minutes) to the Stephens Consulting Group.
