Sprucebend Commercial Capital in Camden, New Jersey takes funding requests by phone and through its online form, and publishes no email inbox. This page lists the questions worth asking any lender or provider about an offer, and includes a map of Sprucebend's listing that loads only when you choose.
Questions to Ask a Lender or Provider Before a Camden, NJ Owner Signs
- What is the total I will pay, in dollars, including every fee?
- On what days do payments or collections come out, and how large is each one?
- What secures the funding, and is there a personal guarantee?
- Is there a charge, or a discount, for paying off early?
- What happens if sales drop or a payment is missed?
Good Questions for a Funding Partner About an Advance Offer
- What is the factor, and what is the total to be remitted?
- Is collection a share of card sales or a fixed debit?
- Can the amount be adjusted if sales fall, and how is that requested?
- Are fees taken out of the amount funded?
Rate, Term, Balloon and Fees: Loan Questions for Camden, NJ Owners
For a loan, ask for the rate and how it is calculated, the term and payment, any balloon at the end, and every fee. Ask whether the rate is fixed or can change. Compare at least two offers in total dollars over the time you expect to use the money. The FAQ explains collateral, guarantees and balloon payments.
Where Sprucebend Is Listed in Camden, NJ, and a Map You Can Load
Sprucebend Commercial Capital is listed at 118 N Broadway, Camden, NJ 08102. The map below comes from Google and only appears after you choose to load it. Census counts for the city and county are on the Camden, NJ page.
By Sprucebend Commercial Capital · Updated