Loan Programs

EXCLUSIVE OFFER FOR JOY LENDING INVESTORS MINIMUM $100,000 INVESTMENT

CRE (Commercial Real Estate) Funding

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We provide short term funding to companies secured by income producing Real Estate that is unencumbered by debt or mortgages. Each loan is further backed up by a personal guarantee. These funds are primarily utilized for development, renovation, construction or acquisition projects, offering flexible capital tailored to meet the needs of real estate ventures.

Factoring Contracts

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We allocate funds to discount Finance Contracts between Romanian farming companies and the European Union. These contracts are secured by the European Union and the Romanian Treasury Department, ensuring a reliable and low risk loans.

Short Term Invoices

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We provide direct funding to subcontractors holding short term deferred invoices issued by construction companies, ensuring timely access to working capital with reliable guarantor.