About Daniel, Russell & Charles Company
Daniel, Russell & Charles Company (DRC) operate as a full-service brokerage and consulting firm, specializing in employee health and welfare benefits. DRC's experience and dedication have made it one of California's leading and most successful brokerage and consulting firms, representing private companies and public agencies with 400,000 or more employees. DRC works closely with each and every one of its clients to ensure that they receive quality assistance and support services.
For more than two decades, Daniel, Russell & Charles Company has been an avid observer of the healthcare industry in the State of California, and during that time it has witnessed a substantial rise in the cost of healthcare, which is largely due to a mounting cost of prescription drugs, to a mounting increase in the use of prescription drugs by patients, and to a mounting increase in physician compensation. Today there is no getting around the fact that employee benefits are a key issue for every employer. From government agencies, to unions, to non-profit organizations, to Fortune 500 companies, every management team is concerned with getting a handle on the costs and the efficient delivery of employee benefits. DRC is currently working with several California cities and other local governments, as well as healthcare providers to provide an alternative to the CalPERS health plan.
Daniel, Russell & Charles Company now offer several new products and services. These new products and services are designed to help public agencies to significantly reduce their employee benefits' costs and to initiate successful preventive care and wellness programs. As one of DRC's new product and service plans the "Golden Bear Plan" offers employers a quality alternative at an economical cost.
To meet the growing and added demands of a full-service organization, Daniel, Russell & Charles Company joined forces with a diverse and industry specific group of professionals and business consultants on a collaborative basis in order to expand its capabilities, which includes the delivery of an array of comprehensive business planning and financial services to business owners, entrepreneurs, and business managers. Each of these firms operates as an Associate member of Daniel, Russell & Charles Company.
Daniel, Russell & Charles Company believe that business owners, entrepreneurs, and managers control their own destiny and that their continued success will depend on hard work and intelligent business decisions. Unless the business owners, entrepreneurs, or managers are equipped with the right tools to operate successfully, their business organization may run a greater than average risk of doing harm to the business organization and its employees.
Thank you for visiting our website and for giving us this opportunity to discuss how DRC may be of service to your company or business organization, and to assist it in structuring cost effective group benefits plans or to provide business consulting services.
For More Information
Download our brochure (PDF), Call 1-800-735-3576 or email drc@drccompany.com.
Daniel, Russell & Charles Co. provides the following services:
- Employee Benefits and Assistance
- Business consulting and services
- Estate Planning for Business Owners
- Financing Business with variety of needs
Program Highlights
- Up to 90% LTV (Loan-to-Value)
- Intended for owner occupied properties (No minimum occupancy rate)
- Aggressive common sense underwriting
- Pre-qualification services available at no extra cost
- Super-fast approvals and loan closings
- Direct Lender
Use of Funds
- Commercial Real Estate purchase
- Refinancing with cash out for business purpose
- New construction and/or renovation
- General purpose industrial, office or retail properties
Perfect for Clients who:
- Want to reduce costs compared to SBA financing
- Want SBA benefits without all the hassle
- Have exhausted their SBA lending availability
- Are ineligible for SBA loan programs
- Have experienced credit problems and/or financial performance issues
- We can do Non-Profit Organizations!
Loan Amounts
- From $100,000 to $20 Million (in some cases larger!)
- Can be used in conjunction with 7a and 504 programs to expand transaction size Terms
- Up to 25 years fully amortized
- No Balloon Payments!
Interest Rates
- Fixed and Adjustable rates available
- Industry's lowest and easiest to understand Pre-payment Premium language
- Competitive case based pricing Origination Fees
- Purchase and Refinance 1% Collateral
- First trust deed on commercial real estate
- No liens on business assets or personal residences
- Business condos, Hi-Tech Co's, contractor lots, older buildings ,and auto-repair facilities.
Client List
- California State Assembly
- Chops
- City of Carson
- California State Legislature
- San Francisco Unified School District
- Sacramento Regional Transit
- Blue Diamond Growers
- Sacramento Municipal Utility District
- City of Inglewood
- Mandy A. Craft Trust
- Oakland Unified School District
- Turning Point Community Programs
- Emeryville Unified School District
- League of California Cities
- Southern California Public Labor Council
- Ronald Blanchette DDS
- Corporate Childcare
- Global SUV Inc.
- Coral Inc.
- 4th Street Grill
- Perdersen Family Trust
- IN_EX Design
- Pin-Up Photo
- League of Cities
For More Information download our brochure (PDF), call (800) 735-3576 or email drc@drccompany.com.
Daniel, Russell & Charles Co.
980 9th Street, 16th Floor, Sacramento, California 95814
(916) 444-9036 | (800) 735-3576 toll-free | (916) 444-9146 fax