Welcome to Simplified Lending Bahamas

At Simplified Lending Bahamas, we make borrowing easy, fast, and convenient. 

BUSINESS loans

At Simplified Lending, we offer a range of solutions tailored to help businesses grow and manage cash flow efficiently.

Tailored Solutions for Business Growth and Cash Flow Management

At Simplified Lending, we offer a range of solutions tailored to help businesses grow and manage cash flow efficiently. Our Business Loans, Asset Based Loans (ABL) and Factoring service provide quick access to funds with flexible terms, ensuring your business remains financially strong and can take advantage of growth opportunities or address liquidity challenges.

Bahamian Firm, Caribbean Reach, Global Impact.

BUSINESS LOANS

Our business loans are designed to provide quick and flexible financing, with approvals in as little as two weeks. Whether you need working capital, equipment financing, or expansion funds, we offer solutions that fit your needs.

fast approval

Get approved within two weeks for quick access to capital.

Why Choose a Simplified Lending Business Loan?

flexible repayment options

Choose from interest-only payments, deferred payment plans with lump sum options, or structured installments.

no prepayment penalty

Pay off your loan early with no extra fees.

competitive loan terms

Designed to fit your business's financial structure and cash flow needs.

common uses for business loans

working capital

Working capital plays a vital role in managing day-to-day operations by ensuring that a business has sufficient liquidity to cover its short-term obligations.

business expansion

Secure financing to fund expansion projects, such as opening new locations, launching products, or entering new markets.

inventory management

Purchase and maintain optimal inventory levels. This ensures that you can meet customer demand.

equipment financing

Expanding a business often requires new equipment or technology. A loan can help cover these costs, enabling you to enhance operational efficiency and improve service delivery.

marketing & advertising

To successfully expand, businesses must reach new customers. A loan can fund marketing campaigns that increase brand awareness and attract a larger client base.

debt consolidation

Consolidating multiple debts into a single loan streamlines repayment, making it easier for businesses to manage cash flow and simplify their financial obligations.

Real Estate Asset-Based Loans (ABL)

ASSET BASED LOANS

At Simplified Lending, we provide Real Estate Asset-Based Loans designed specifically for business owners who have valuable property to pledge as collateral. Unlike traditional loans that focus on credit history and financial statements, our asset-based loans prioritize the value of your real estate, giving you quick access to capital without the hassle of extensive financial documentation.

A Real Estate Asset-Based Loan (ABL) is a financing solution where the loan is secured by commercial or investment real estate. This means that your property’s value—not your credit history or financials—is the key factor in loan approval. With a Loan-to-Value (LTV) of up to 50%, we help business owners unlock equity in their real estate for immediate funding.

What Is a Real Estate Asset-Based Loan?

fast PRE-approval

Get a fast pre-approval decision so you can move forward with confidence.

Why Choose a Real Estate Asset-Based Loan?

HIGH LOAN AMOUNTS

Borrow up to 50% of the property’s value, giving you access to substantial capital.

MINIMAL CREDIT & FINANCIAL REQUIREMENTS

More weight is placed on the value of your real estate, not your credit score or financial history.

flexible USE OF FUNDS

Use the loan for business expansion, debt consolidation, working capital, property improvements, or other investments.

NO PRE-PAYMENT PENALTY

Pay off your loan early without extra fees.

FAST & STREAMLINED PROCESS

We make financing simple with minimal paperwork and a focus on collateral-based approvals.

HOW DOES IT WORK?

01

SUBMIT PROPERTY FOR

PRE-APPROVAL

Provide basic details about your real estate asset.

02

RECEIVE PRE-APPROVAL IN

48 HOURS

Get a quick funding decision based primarily on your property’s value.

03

LOAN AMOUNT IS DETERMINED



Secure up to 50% Loan-to-Value (LTV) based on the appraised worth of your real estate.

04

FUNDS ARE DISBURSED



Once approved and legal work completed receive your capital quickly.

05

FLEXIBLE REPAYMENT



Manage payments with our structured loan terms and no prepayment penalties.

WHO CAN BENEFIT FROM A REAL ESTATE ASSET BASED LOAN?

This loan is ideal for business owners who are:

Own commercial or investment real estate and want to unlock its value.


Prefer flexible funding with fewer restrictions on loan use.


Need fast access to capital without going through extensive financial reviews.


May not qualify for traditional loans due to credit or financial history.


common uses for real estate asset based loans

working capital

Ensure smooth business operations.

business expansion

Open new locations or invest in growth opportunities.

debt consolidation

Manage multiple debts under a single loan.

property improvements

Renovate or upgrade your commercial real estate.

new business investments

Fund other business ventures.

Factoring is an ideal solution for businesses that experience cash flow challenges due to slow-paying customers. It allows businesses to convert outstanding invoices into immediate cash, ensuring a steady flow of working capital.

What is Factoring?

Factoring, also known as invoice factoring or accounts receivable purchasing, is a process where businesses sell their unpaid invoices to a third party (a factor) at a discount. Instead of waiting 30, 60, or even 90 days for customer payments, businesses receive funds upfront to cover expenses and keep operations running smoothly.

more about factoring

When you issue an invoice for goods or services, you can sell it to Simplified Lending. We provide immediate cash by advancing 70% to 90% of the invoice value. Once your customer pays us directly within the agreed terms, we release the remaining balance to you, minus our factoring fee. This process helps you efficiently manage cash flow.

how factoring works

An ideal financial solution to manage cash flow challenges.

Factoring

instant cash flow

Access funds quickly without waiting for customer payments.

Benefits of factoring with simplified lending

no new debt

Unlike a loan, factoring is not a debt; it's an advance on money already owed to you.

flexible funding

Get funding based on your sales volume—higher sales mean more financing.

credit risk protection

We assess customer creditworthiness, reducing your risk of bad debts.

quick approvals

Faster than traditional bank loans with minimal paperwork.

Commercial LOAN BROKERING SERVICES

At Simplified Lending, we go beyond one-time transactions—we build lasting financial relationships. Our Commercial Loan Brokering Division is designed to support businesses with customized financing solutions that align with their short and long-term goals. 


We understand that securing capital is just one piece of the puzzle. That’s why our approach is centered on relationship-driven financial structuring, ensuring our clients have access to a broad spectrum of funding options, including:

Debt Financing, Equity Funding, Mezzanine Funding, Preference Shares Funding.   Whether you are expanding operations, acquiring assets, or optimizing your capital structure, we provide the expertise and network to connect you with the right financing partners.

We have successfully brokered commercial deals and closed transactions exceeding $85 million in Nassau, including prestigious communities such as Albany, Lyford Cay, Old Fort Bay.

$85.8MM in nassau, bahamas

We have successfully brokered commercial deals and closed transactions surpassing $40 million in Freeport, as well as in other rapidly developing Family Islands like Eleuthera and Exuma.

$40.5MM in Freeport & The Family Islands

Notable Transactions Closed

Our experience and strategic relationships have enabled us to broker high-value commercial deals across The Bahamas.

$126MM+

Get In Touch

contact Us

Office Hours

Monday-Friday: 9am to 5pm - JFK Branch and 8am to 4pm - Tonique Williams-Darling Branch

Saturday:  10am to 3pm Tonique Williams-Darling Branch

Sunday: Closed

Phone

Office 242-603-1730

Contact Us

start the process online