Creative Financing Solutions
Business Loans -- Commercial Loans -- Commercial Mortgages
Unsurpassed Service
Superior Edge in the Industry
Your Trusted Financing Resource
Earth Works TrustMobile Home Loans In Park or With LandModular Home Loans - Single Family Rates and TermsSingle Family Residence, Townhomes, Condo's,         1-4 UnitsFHA Purchase, Refinance, Streamline Refinance,      Loan Limits Vary by CountyVA Purchase, Refinance, Streamline Refinance,      Jumbo Mortgage up to 1MUp to 10m

Our seasoned management team has worked in the financial community
for three decades in both local and national markets.  We act
as the intermediary for clients seeking either or both
commercial loans or commercial mortgages.

We partner with traditional and non-traditional lenders, regional
and national banks mortgage REITs, agency lenders, credit unions and
private equity funds.

We take pride in our long-standing lender relationships and the
determination to generate superior results for our clients.  
This proves vital in every transaction in which we engage.

Loan Criteria:
Commercial loans are extended to borrowers upon the review of the
company's balance sheet and profit and loss statement.  
Our focus is on the company's management, systems, operations,
products, customer base and cash flow
as well as the value of the collateral.

Ideal Criteria Includes:
Manufacturer, Distributor, Wholesaler, Retailer or select service
companies. History of earnings and cash flow. Firms experiencing
rapid growth, operating turnaround dynamics and/or high leverage.
Project Success!
International Moving and Storage Company
LOAN TYPE:  Debt Restructure
AMOUNT: $31,415,000
$19,415,000 Conventional Loan LIBOR plus 3.25%
$5,000,000 SBA Loan was fixed at 5.25% for 5 years,
adjusting every 5 years with 25 year amortization;  
$7,000,000 sale/leaseback on building
Tax exempt credit facility
LOAN TYPE:  Refinance
AMOUNT:  $8,100,000
TERMS & RATE: $4,500,000 tax-free bond; 5 year term
amortized for 20 years; 4% fixed.  $2,400,000 USDA term
loan; 5 year term amortized for 20 years; 4% fixed.
$700,000 conventional mortgage 5 year term 5.5% fixed.
$500,000 12 month LOC revolving, prime +1
In five business days, our team secured a $1,000,000 asset
based credit facility, and assisted in negotiating an
intercreditor agreement with a local lending institution
to provide a "carve-out" of their security interest in the
client's accounts receivable base.

Enabled  client to secure the new financing and to continue
its growth
while preserving the existing bank/client relationship
4-story former textile factory renovated and rented out
as art studios to local artists. Refinance was used to
provide continued improvements to property
LOAN TYPE: Refinance
AMOUNT:  $500,000
TERMS & RATE: 4.35% for 5 years adjusting for an
additional 5 years with a 25 year amortization

  • Delivering unsurpassed service ensuring a smooth and successful close.
  • Providing access to a broad spectrum of potential capital resources.
  • Accommodating institutions and individuals with creative "out of the box" financing.
  • Supporting a typical turnaround time of 45 days.
  • Featuring a Non-Exclusive Contract highlighted by a success fee that is only payable at the time
    of settlement.
Why Choose Earth Works Trust?
Commercial Loans
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, Florida FL, Georgia GA,
Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA,
Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ,
New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA,
Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA,
West Virginia WV, Wisconsin WI, Wyoming WY

Commercial Mortgages
Services include asset-based lending, traditional secured loans, and capital markets services. We can offer access to working capital to
help you maintain your day-to-day operations and get the funding you need to pursue your plans for growth. As your business grows, we
can connect you to additional resources so that all your financial goals are met.
Franchisee of a national chain specializing in children's
parties and celebrations
LOAN TYPE: Commercial Loan and Commercial LOC
AMOUNT: $350,000 and $50,000
TERMS:  Commerical terms loan for 10 years
Commercial LOC for one year
RATE:  Wall Street Journal prime plus 2.75% float monthly
National Restaunteur executing lease option
LOAN TYPE: Commercial Loan
AMOUNT: $1,105,000
TERMS:  Fixed for the first 5 years and reset every 5 years
for a total of 15 years.
RATE:  4.00%
Commercial Loans
Loan Types
  • Business Expansion
  • Acquisition
  • Restructuring
  • Debt Consolidation
  • Equipment Lease/Purchase
  • Accounts Receivable
  • SBA Financing
  • 80% Advance on
    Accounts Receivable
  • Up to 50% Inventory
  • Up to 75% of the
    Liquidation Value of
  • Impaired Credit Situations
  • Personal Credit Problems
  • Highly Leveraged
Industry Types
  • Manufactured Home and
    Mobile Home Communities
  • Manufacturers
  • Distributors
  • Service
  • Not-For-Profits (501(c)3)
  • Retail
  • Hospitality
  • Restaurants
Loan Amounts
  • Small Business and
    Commercial: $100,000 to
  • Middle Market: $3,000,000
    to $50,000,000
  • Large Corporate:
    $50,000,000 and up
Our Services
Financing for
Purchasing and Refinancing
Commercial Real Estate
Asset-Based Lending
(Lines of credit secured by
accounts receivable,
inventory, and equipment)
Bridge Loan Financing
Mobile Home Park Loans
Commercial Mortgages
Loan Types
Property Types
  • Manufactured Home and
    Mobile Home Communities
  • Mixed-Use Properties
  • Shopping Centers
  • Office Buildings
  • Apartment Buildings
  • Assisted Living Facilities
  • Skilled Nursing Homes
  • Surgical Centers
  • Warehouse Properties
  • Mini-Storage Facilities
  • Not-For-Profit (501(c)3)
Loan Amounts
  • Owner Occupied
  • Investment Properties
  • Acquisition
  • Refinance
  • Construction
  • Bridge Loans
  • Hard Money
  • Small Business and
    Commercial: $100,000 to
  • Middle Market: $3,000,000
    to $50,000,000
  • Large Corporate:
    $50,000,000 and up
  • Long Term Fixed Rates
  • Non-Recourse Products
  • SBA Loans with
    Amortization up to 25 yrs
  • Up to 90% LTV Products
  • Mortgage Products for
    Low Credit Scores
  • Short Term Bridge
Invest 90 Seconds!
Free Loan Request
No Application Fee
Low  Rates
Nationwide Service
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Commercial Loans - Commercial Mortgage Loan - Commercial Loan