LOAN PACKAGING

Access to Capital is Critical to Business Growth.  Cash is the lifeblood of a business, yet can often be elusive for small and middle market companies. There are many determining factors which dictate the best borrowing options for each particular situation. Every client is unique and not all capital requirements are the same.  It is therefore important to work with a partner that understands your industry, your situation, your company; a partner who can find and match you with the right solution.

BUSINESS LOANS – Common Requirements:
1. History
2. Purpose of Loan
3. Financial Statement Analysis
4. Schedule of Term Debts
5. Accounts Receivable and Accounts Payable Agings
6. Tangible Net Worth and Leverage
7. Projections with Assumptions and Basis
8. Personal Financial Statement

SBA LOANS:
Whether you need financing to acquire real estate, expansion or construction of a facility, purchase machinery and equipment, to establish a business line of credit, or buy a business – the SBA is an excellent source of funding. The SBA helps lenders make capital available to nearly all types of small businesses.  Loan guarantees are provided to the lenders and usually have flexibility in amounts and terms.

Under the 7(a) and 504 SBA Loan Programs, we help borrowers to secure long term assets and working capital.  We have successfully assisted companies with preparation and closing of SBA Loans in the seven figure range.

WE HELP OUR CLIENTS FROM BEGINNING TO END:
1.  Identify transactions that would suit a government guaranteed loan
2.  Pursue the particular loan program that best matches your special needs
3.  Tailor the loan structuring to fit your business and expansion plans
4.  Present the loan packages to funding sources such as banks
5.  Manage the entire process to a closing that fits your timing and pricing needs

The cornerstones of our professional philosophy are communication, motivation, team building, a positive work ethic, and a drive for excellence.