TOP SERVICES
Focus on these for the best returns!
Client Savings Estimate Calculator
NOTE: With the exception of Funding and Insurance Underpayment Audits, all other credits are only available when the business is NOT carrying forward losses. If they are operating at a loss, they will NOT be able to apply tax credits this year so it serves as a prequalification that the business MUST HAVE a tax liability in the current year.
BUYER PERSONAS - CLICK IMAGE TO VIEW AND DOWNLOAD
Gas Station / Convenience Store
Restaurant /
Diner
Cannabis
Industry
Medical
Industry
Please use this quick reference guide when evaluating opportunities. If the business can only be classified as "OTHER" note that there may not be a lot of opportunity for that business. Our goal is to slash taxes, double profits, and provide value to the client and YOU.
GAUGE FOR CLIENT / SERVICE BEST FIT
WORKERS COMP / WELLNESS
CLICK TO EXPAND: Service Summary: Workers Comp Savings and Wellness
Incentivized Risk Management Tools That Save BIG Money!
Target minimums = 50 or more full time employees and/or $35,000 or more in annual workers comp premium
Sites:
Sample affiliate page:
https://workerscompsavings.com/?affiliate=test
Intro Page:
https://www.workerscompsavings.com/intro
Compliance Page:
ERC FAST FUNDING / OTHER CAPITAL NEEDS
CLICK TO EXPAND: Service Summary: ERC Fast Funding & Other Capital Needs
ERC Fast Funding
MINIMUM $75,000 ERC
Loan or Buyout Options available
Will determine what is best based on client's needs.
If other capital is better for situation or "less expensive" see the extensive list of options below...
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Gross Receivable factoring: 24 - 48 Hour Funding
Minimal Requirements
- Time in Business: 6 months
- Monthly Revenue (Minimum $15,000)
Stipulations needed to apply initially
1. Funding Application
2. Business Bank Statements (Minimum 4 months + a Month to date) Stipulations needed
to apply fund approved
1. Drivers License
2. Voided Check
3. Proof of EIN (IRS SS4 Letter, Tax Return, Schedule-C, K1 etc)
Great industries: Cannabis, Trucking, Construction, Medical, Retail Stores (Liquor,
Convenience), Restaurants (Any for profit industry with proven cash flow through
a business bank account)
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Business Lines of Credit
β 6 month or 12 month options, 3 year options (revolving lines)
β 6 month - weekly repayment
β 12 month - monthly repayment
β 1-3 yeras - weekly and monthly repayment
Minimal Requirements
- Time in Business: 2 years
- Credit score: 650
- Monthly Revenue (Minimum 20K)
Stipulations needed to apply initially
1. Funding Application
2. Business Bank Statements (6 months)
Stipulations needed to fund
1. Drivers License (Back & front, color copy no glare)
2. Voided Check (Back & front, color copy no glare)
3. Proof of EIN (IRS SS4 Letter, Tax Return, Schedule-C, K1 etc)
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Term Loans (Bank/Sba)
β $50,000-500M+
β Term: 5-30+ years
β Credit: 600+
β Time in Business: 3+ years
Stipulations needed to apply initially
1. 3 years tax returns (Business & Personal)
2. 3 years financials (Profit & Loss + Balance Sheet)
3. Year to date financials (Profit & Loss + Balance Sheet)
4. 6 months business bank statements
5. Personal Financial Statement
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Equipment Financing
Industries We Fund: Trucking (Flatbed, Dry Vans, Reefers), Agriculture, Construction,
Medical, Intermodal, Manufacturing, Material Handling, Automotive, Landscaping, Logging,
Packaging, Printing, Technology, Building Automation, Commercial, Fitness & Spa, Food
Service, Air Transportation, Marine Transportation, Rail Transportation
New and Used Private Party Sales (No Age or Mileage
Restrictions) Application only ranging from 150k - 1M
βFull Financialsβ - (if applicable)
β Last (3) fiscal year end accountant prepared financial statement(s)
β Interim financial statement for current period/comparison
β Personal financial statements of owner(s) or major stockholders
β Work on hand/WIP report/MSAβs
β Debt schedule
β A/R, A/P aging report
β Corporate guarantor or affiliate financial statement(s)
β Equipment list
β Borrower organizational chart
β Company organizational documents
βAβ Credit Program
β Application only up to $350k
β 700+ FICO Score
β 660+ PayNet
β 2β3 Comparable Debt
β 5+ years Time in Business
β No Suits, Liens, Judgements or BK
β $250k app only requires equipment less than 5 years old
β $175k app only equipment can be more than 5 years old
β Bank Statements on 75k+ and all exposures in Transportation or Consumer
Discretionary, or if insufficient Comparable Debt
βBβ Credit Program Guidelines
β Application only up to $250k
β 660+ FICO Score
β 640+ PayNet
β 50% Comparable Debt
β 2+ Year Time Business
β No Open Liens, Judgements or BK
β Bank Statements on 75k+ and all exposures in Transportation or Consumer
Discretionary, or if insufficient Comparable Debt
βCβ Credit Program Guidelines
β Application only up to $125k
β 620+ FICO Score
β 620+ PayNet
β 50% Comparable Debt
β 2+ Years Time in Business
β Bank Statements on 75k+ and all exposures in Transportation or Consumer
Discretionary, or if insufficient Comparable Debt
βNew Businessβ Credit Program Guidelines
β Application only up to $60k
β 700+ FICO Score
β 50% Comparable Debt
β 7+ Trade Lines (personal and commercial)
β 20% + Down Payment or Security Deposit
β 50% revolving availability
β Local home ownership
β Bank Statements required
βOTR - Over-The-Roadβ Trucking Program Guidelines
SIC Codes: 4212-4215 and 5012. 3 Months complete bank statements required on
all transactions
Fleet Size must be VERIFIED with the original submission of the transaction - unverified
fleet sizes will default to the highest verifiable fleet or default to Owner/Operator.
Verifiable Sources:
β Safer
β Insurance Certificate / Documentation
β U.S. DOT Registration
β Copy of Vehicle Titles
β Cash Flow Verification
# of Power Units || Classification || Authorized SAFER Required || Mileage
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Purchase Order Financing
β Minimize capital constraints by letting us fund it for you
β Capitalize on business opportunity now and pave the way for continued growth
β Improve your competitive edge among customers and suppliers
β Up to 100% financing $500K - $750 million
β Fast approval and turnaround so you can get to work quickly
β Weβll work with your existing credit institutions
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Government Contractor Financing
β Competitive bid support and pricing, reports that help contractors win more bids and
ensure profitability on their awarded purchase orders.
β Credit Assurance to provide purchase order financing on net credit terms from $10,000 to
$250,000 to protect contractors and their suppliers against credit default.
β A working capital line of credit up to $250,000.
β Contractors can build their business credit
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Asset Based Lending
β RENTAL LOANS - (No personal income verification)
β FIX & FLIP LOANS - (Industry Leading Rates for Capitalized Borrowers)
βBRIDGE LOANS - (Ideal for temporarily holding assets)
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Business Factoring
β This financial product enables businesses to sell unpaid invoices (accounts receivable) to a
third-party factoring company (a factor). The factoring company buys the invoices for a
percentage of their total value and then takes responsibility for collecting the invoice payments.
β Need corporate clientele, no residential or personal clients.
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Debt Restructuring (including Equipment Loans)
β True Consolidation of all outstanding debts, equipment loans and Merchant Cash
Advance.
β Restructure contracts, to pay weekly or monthly for a longer term, up to 7 years.
β Instantly puts cash flow back into the business as lenders get paid back in full.
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Business Term Loan Program
β Up to 7 years in a Term loan, monthly repayment
β Terms are generally 5-7 years
β Multiple term options for loans
β Business Credit Cards (Packaged for Maximum Utilization)
Minimal Requirements
- Time in Business: 1 year
- Credit score: 680
- $50,000 claimed in Personal Income in last 2 years (2020 & 2019) on filed tax returns
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Invoice Factoring
For most small companies, the benefits of invoice factoring fall into four main categories:
β Sales Growth
β Bad Debt Elimination
β Supplier Discounts
β Administrative Cost Reductions
The benefits are derived from the three components of full-service factoring:
β Finance (receivables converted to liquid funds)
β Credit Services
β Accounts Receivable Management
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Home Equity Line of Credit (HELOC)
β Pay off your mortgage in 5-7 years utilizing existing income
β If you are a home owner and want to pay off five times faster without needing an increase
in income.
β 680 minimum credit score, 20% equity in your home, no bankruptcies in the past 10 years,
income greater than expenses
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Rental Loans
β Commercial properties only
β Commercial loan underwritten on property cash flow
β No personal income verification
β Can refinance an existing portfolio loan
β No limit to the number of properties that can be financed
β Designed for buy-and-hold investors
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Single Rental Loans
β No W2s, paystubs, tax returns, etc.
β Funding up to 75% LTV, up to 70% cash-out
β Property loans from $75K to $1MM
β Single Family Rental (SFR), condos, townhomes, PUD, 2-4 units eligible β Foreign Nationals
allowed (60% LTV max, eligible countries only) β Interest-only payments β 30-year property
loan terms
β Minimum 680 FICO
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Credit Repair & Business Credit Building
β 6 month program for business and personal credit
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UNDERPAYMENT AUDITS FOR MEDICAL INDUSTRY
CLICK TO EXPAND: Service Summary: Medical Underpayment Audit
The underpayment audit process is different than the typical credit or request for capital.
The initial submission does not include scheduling an appointment for the client, just submitting the facility and contact for review.
https://www.maranathaconsulting.com/underpayment
Click on the submit location button on the page to see the fields. We are looking for a C suite contact at the location. CEO/ CFO would likely be most interested in returning an average of 22% of their insurance billables back to the bottom line.
Note: when you submit a case, the client is NOT notified yet...it comes to Maranatha only.
The facility types are those listed on the submission form...
Hospitals
Urgent cares
Surgical centers
Medical practice group - Multiple doctor groups / locations
NOT
Single family doc locations
Dentists
Behavioral health doctors
Veterinarian locations
Note the medical persona example on this focus page
Once the case is submitted we will review it internally.
If the criteria is met, the case moves forward.
This is a C suite sale so the CEO of the audit firm coordinates directly with the client C suite to make the sale and perform the audit.
The tech used means we don't have any docs to collect.
They will put all of the necessary NDAs in place and handle the entire audit and recovery process. From first C suite call to money recovery and payment can be a 60 day cycle.
We expect 45-90 day averages per case.
MEDICAL UNDERPAYMENT RECOVERY SYSTEM SUMMARY AND PROCESS
Our Recovery System consists of a team of payer contract experts and the most advanced forensic audit software system in the healthcare space. Our audit analyzes every remittance received in a 12-to-24-month period to determine contractual compliance of each reimbursement. Our team then works with the payers to recover underpayments that are due our clients.
Critical Addition to Your Revenue Cycle Management
Our underpayment recovery service is a risk-free addition to your Revenue Cycle Management (RCM) efforts. Our forensic audit is performed on remittances AFTER all other RCM efforts have been completed including other internal or external underpayment recovery efforts. We only engage remittance files that our clients expect no further revenues. Therefore, our services compliment all other RCM efforts and provides new revenuesβ¦100% of the time.
100% Success Rate
Our results are unrivaled.
To date we have analyzed billions of dollars in reimbursements and remittances against 1,000s of unique and often complex payer contracts and have found noncompliance and underpayments for 100% of our clients. The typical result is 10%-20% of gross payer receipts in recovery.
Risk Free Engagement
We work solely on a contingency basis. There are no upfront fees, costs, ongoing tasks required from our clients. We take on 100% of the risk and effort to recovery revenues for our clients. We are only compensated when we successfully recover underpayments.
AI ADVANCED TAX PLANNING
CLICK TO EXPAND: Service Summary: AI Tax Planning
Target minimum is $35,000 or more in tax liability.
1099s and any and all business structures qualify
AI Tax Planning gives you access to 1,500 tax strategies at the federal state and local level
AI Tax Planning also reviews business entity structure and makes suggestions for better tax positioning
Average savings has been $32,000 per client for the past 2 years, maximum is $107,000
At the end of our tax analysis session you can move forward to receive your strategies OR not
Guaranteed minimum savings identified will be $7,500
All strategies reviewed by CPAs and Tax Attorneys on staff
Here's the information you will need to schedule your (or your client's) free 30 minute AI Tax Strategy meeting:
Your Industry
Company Name
Primary Contact Full Name
Primary Contact Cell Phone
Primary Contact Email
Title (Owner, CEO, CFO, President, Manager, etc)
State
Who You Were Referred By
Tax filing status (Single, Married Filing Jointly, etc)
Number of Dependents under 21
Company entity type (Individual LLC, C Corp, S Corp, etc)
Do you Rent or own your home?
R&D TAX CREDITS
CLICK TO EXPAND: Service Summary: R&D Tax Credits
We utilize a team of highly qualified professionals including IP attorneys with engineering backgrounds and adhere to the Comprehensive Project by Project Approach methodology as required by the IRS. By following this methodology, we qualify every applicable employee, activity, hour spent and corresponding wage paid in order to maximize the incentive for our client. We strictly adhere to the applicable sections of the code and provide first-in-class documentation to substantiate our findings.
The R&D Tax Credit is the largest tax credit available to U.S businesses and can be claimed year over year by qualifying businesses. We monitor this tax credit on your behalf and ensure that you can claim your benefit every year.
A QRE is a "Qualified Research Expenditure" as defined by the IRS in Section 41(b).
Basically a QRE is any eligible expenses for the credit, including wages, supplies and contract research expenditures. For most companies, full-time product development engineersβ wages come to mind first and are easiest to recognize; however, a closer look at definitions and examples may lead to the inclusion of additional wages, supplies or contract research.
Below is a list of some tasks that can be performed within an organization that would qualify for the R&D Tax Credit:
Manufacturing
Fabrication
Engineering
New Product & Process Development
Developing New Concepts or Technologies
Design - Layout, Schematics, AutoCAD
Prototyping or Modeling
Testing / Quality Assurance: ISA 900X, UL, Sigma Six, etc.
Integration of new machinery (CNC, SLA, SLE, etc) into existing process
Software Development or Improvement
Automating /Streamlining Internal Processes
Developing Tools, Molds, Dies
Developing or Applying for Patents
Our Process:
10 Minute Introductory Call. We simply validate some information and set the Discovery Call with your Team Lead.
30 Minute Discovery Call. Your Team Lead will introduce him or herself and ask a few more questions and go over details.
Review Tax Documentation. This allows us to understand your company's unique circumstances and tailor our study to your needs.
Complete R&D Tax Credit Study
Ongoing Savings
All of this is completed at no risk to you or the business. If we cannot identify savings for you to claim, there is no charge or fee of any kind!
COST SEGREGATION & PROPERTY TAXES
CLICK TO EXPAND: Service Summary: Unlocking Tax Savings with Cost Segregation: A Powerful Strategy for Property Owners Who Have Invested Over $500,000 Per Property
Cost Segregation
If you own a building or have recently completed improvement projects, there's a little-known IRS-recognized tax benefit strategy that could significantly reduce your tax burden - it's called cost segregation.
Cost segregation involves identifying specific components of your building or improvement project and reallocating them into modified accelerated cost recovery system (MACRS) class lives for federal tax purposes. By treating these assets as personal property or land improvements, their depreciation can be accelerated, allowing you to deduct their value over 5 or 7 years for personal property and 15 years for land improvements. This is much faster than the standard 39-year depreciation period, meaning you can front-load your depreciation and offset income to lower your taxes.
Let's break down how this works. Instead of creating new deductions, cost segregation shifts existing deductions towards the earlier years of your ownership. This leads to accelerated depreciation, which can result in substantial federal tax benefits. For every $1,000,000 invested into a property, you could generate $30,000 to $200,000 in tax savings through this strategy.
But that's not all - there's another tax benefit called "bonus depreciation." Recent tax reforms allow property owners to immediately write off the full purchase price of eligible assets on top of other depreciation benefits. To qualify for this "bonus," the assets must have class lives of 20 years or less. Cost segregation is the key to identifying which assets are eligible for this powerful incentive.
Eligibility and Timing
More than $500,000 invested in Purchase and/or Renovations combined PER PROPERTY.
Residential buildings that produce income could be eligible. Example: client owns 6 homes on lots all on the same parcel of land. NOTE: If those 6 income producing homes were spread out in different locations around the same city / area, they would likely NOT qualify.
If you have a building or facility that was placed-in-service after December 31, 1986, or you've completed renovations and additions after that date, you may be eligible for cost segregation benefits. Ideally, it's best to conduct a cost segregation study immediately after your property is placed-in-service to maximize savings from day one. However, even if you missed that opportunity, the IRS allows for a "look-back" cost segregation study, which enables you to recapture the benefits from previous years by reclassifying assets to their correct lives. This way, you can "catch-up" on all the depreciation you would have realized if the study had been done earlier.
What Assets Can Be Assigned Shorter Class Lives?
Cost segregation allows you to move many building components into shorter class lives, making them eligible for accelerated depreciation and bonus benefits. Some commonly segregated assets include:
Personal Property: This category includes furniture, fixtures, equipment, machinery, and other tangible assets that can be depreciated over 5 or 7 years.
Land Improvements: Assets like landscaping, sidewalks, parking lots, and fences can be depreciated over 15 years.
By leveraging cost segregation, property owners can unlock substantial tax savings, boost cash flow, and improve their overall financial position. It's a strategic approach that empowers you to make the most of your property investments while taking advantage of IRS-recognized tax benefits. So, if you're a property owner, it's time to consider cost segregation and see how it can work to your advantage.
WORK OPPORTUNITY TAXE CREDITS (WOTC) HIRING CREDITS
VIDEO COMING SOON
CLICK TO EXPAND: Work Opportunity Tax Credits
WOTC
Existed since 1944
Opened to many non veteran categories in early 2000s
$900-$9,600 FIRST YEAR ONLY credit
Full or part time qualifies
Great for businesses with high turnover like manufacturing, restaurants, etc.
Small commissions, good will and door opener.