Shell Beach Capital

07/11/2025

Warning: Stacked daily payments killing your business?
Lower yours by 50% or more and breathe again!

Tired of Merchant Cash Advances holding you back?
We can help! Our partners specialize in debt restructuring, freeing up cash flow without default or bankruptcy.

Say goodbye to NSF days and hello to a stronger financial future.
Call us today at 775-440-0248 or 805-458-5069

Call now to connect with business.

06/10/2025

I just set up a direct link to an awesome new business LOC program at shellbeachcapital.com. 551 Minimum FICO, and tons of industries approved. Check it out today.

05/18/2025

From a colleague, don't let this happen to you!

Had a meeting with a business owner last year. He told me he didn’t need capital at the time, and that he’d raise money later.

I followed up recently. His business was struggling. Revenue was down, cash flow was tight, and now no lender wanted to touch the deal. Why?

Because the best time to raise capital is before you absolutely need it. When you wait until things are bad, you lose leverage—and lenders start seeing you as a risk, not an opportunity.

Later is too late. Secure capital when you don’t need it, so it’s there when you do.

03/25/2024

Redesigning the logo. Thoughts?

10/27/2022

Interest rates are volatile and heading higher. If you are considering debt financing for your business call today to get the best rate for your situation.

05/03/2021

The May Chamber newsletter, "South County Business News," is published and ready to read! 🎉🎈

Click here to view the digital version: chambermaster.blob.core.windows.net/userfiles/UserFiles/chambers/815/CMS/page_content/0521-newsletter.pdf

Click on the ads within the newsletter to learn more about Chamber member businesses and to visit their website or page.

Advertisers included in this month's edition are Exploration Discovery Center, The Mortgage House, 1st Capital Bank, Blueprint Express, PLUS Property Management California, Money, Debt and Taxes, Blankenburg Properties Dre #01950935, Shell Beach Capital, Frederick Law Firm, Central Coast Community Energy, Solstice Green Directory, Todd Huebler - State Farm Agent, Central Coast Home Health, Inc., Real Property Investments/Oak Park Plaza, and Republican Party of San Luis Obispo County.

To subscribe to South County Business News to receive a digital monthly newsletter and weekly business updates via email, please click here: mailchi.mp/southcountychambers.com/subscribe.

09/30/2020

04/09/2020

As delicate as this subject might be, and despite our unwavering faith in the life insurance industry, these are rough times, and we haven't hit the bottom yet.

COVID-19 has had an instant and broad impact around the globe. As you speak with your clients, do they own life insurance policies that they are questioning whether or not to keep?

Fortunately, we have an industry segment that proves resilient during times like these: life settlements. Institutions are buying life insurance policies at prices that are uncorrelated to the capital markets. Meaning, though equity and debt markets have tumbled, the value in a life insurance policy has not.

In 2018 alone, $570,000,000,000 in life insurance death benefit lapsed. The highest percentage of lapse rates is retirees. We can only assume these numbers will rise with insureds unable to now afford life insurance premiums.

If you or your client 60 years of age or older, who no longer wants or needs their life insurance policy, give me a call. I'll help answer questions to see if a life settlement opportunity is available for both you and your clients.

04/04/2020

COVID 19 and YOUR Business

There is a lot of confusion surrounding the differences between the Economic Injury Disaster Loans(EIDL) and the SBA Paycheck Protection Program. What are the terms of each? Which is better for your business? Can you get both?

The SBA was supposed to release final PPP regulations on 4-3-2020, but did not. Here is what we currently know about each of these loans:

For EIDL
Apply directly through the SBA at sba.gov
Loan amount up to $2,000,000
3.75% interest rate for For-Profit companies
2.75% interest rate for Not-For-Profit companies
Loan term not to exceed 30 years
Uses: payroll, fixed debt, accounts payable, other expenses that can’t be paid because of the disaster’s impact
Only available in states with SBA approved declarations of disaster

For PPP
Apply through SBA approved lenders
Loan amount up to $10,000,000
Interest rate of 1%
No payments for first 6-12 months, then a two-year term loan
Unsecured and no personal guarantee
Eligible for loan forgiveness
Loan proceeds are only for payroll support including medical leave, costs related to health benefits, employee salaries, mortgage payments, rent, utilities, insurance, and any other debt payments incurred before 2/15/2020
Relief loans are not eligible for business acquisition, real estate purchase, or other typical 7(a) proceeds, but may be eligible for business debt refi’s – stay tuned
Borrower SBA Guarantee Fee will be waived
No prepayment penalties

Contact us NOW to make sure you get the right loan for your business. 805-458-5069 or [email protected]