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If yours isn't here, call and ask. Your advisor is glad to talk it through before you share a single document.
Getting started
With your goal. We learn what you're building toward, whether that's a private equity sale, taking the business public, an expansion, or refinancing debt. Then we read the current environment and your advisor builds a long-term plan to get there.
We work with established businesses across retail, construction and the trades, transportation, healthcare, staffing, e-commerce, and professional services. If you don't see your industry here, call and ask.
We review cash flow, EBITDA, existing debt, and true debt-service capacity. We finish that analysis before we recommend anything, so the recommendation reflects what the business can actually carry.
Then we'll tell you and show you how to get there. Sometimes the plan starts with strengthening cash flow or EBITDA, and the right facility comes later.
Most facilities look for an operating history, and a term loan generally calls for at least two years in operation. An asset-based facility can work when the asset supports the transaction, and an SBA facility can work when you have time and a solid plan. Your advisor will tell you which paths apply.
Structure and cost
The analysis decides that. In most cases it's a term loan or an asset-based facility, and each capital solution suits a different situation. Your advisor explains why a recommendation fits and what it would take to qualify for a better one.
Cost depends on the facility, the institution, and the financial position of the business. You'll see the full cost, the payment schedule, and the terms in writing before you sign.
Many facilities carry an origination or closing fee, and some deduct it from the proceeds. Every fee appears in the written terms, so you'll know the amount you'll actually receive before you commit.
That depends on the facility. Many term loans and lines of credit allow early repayment, while others carry prepayment terms. Your advisor reviews those terms with you before you sign.
Process
You provide financial statements and a brief application covering cash flow, existing debt, and what you're building toward. The online application asks for your three most recent bank statements. Larger transactions may also call for year-to-date financials or tax returns.
Timing follows the facility. Speed matters, and the right facility can move quickly. Bank and SBA facilities take longer because documentation drives the timeline, so your advisor sets a realistic schedule at the start.
You'll work with one dedicated advisor, from the first conversation through closing and beyond.
Your advisor walks you through the long-term plan before any information is shared externally. The security of your private data and information is our top priority. Our Privacy Policy has the details.
No. You'll review the terms in writing and decide whether to proceed.
After closing
No. Your long-term plan may call for several facilities, and we move you into them one at a time. Your advisor stays with you as the business moves toward its goal.
Call your advisor early. The sooner we understand a change, the more options the business has.
Often, yes. For many businesses that's part of the plan from the start: bring cash flow in now and line up a longer refinance for later.
