Recent Deals Funded:
Mailbox Store Franchise - $95K - Gap...
Coin Laundry - $360K - SBA Loan + 40...
Juice / Smoothie Franchise - $70K - ...
Distributor With Real Estate - $1.6M...
eCommerce Site - $425K - Refinanced ...
Wholesaler - $822K - Partner Buyout,...
Neighborhood Market - $90K - Gap Fin...
Auto Repair Shop - $274K - 401k Conv...
Providing Business Purchase Financing Since 1990      •      888-983-1632




Financing Solutions For:

Business Purchases

Business Purchases With Real Estate

Business Purchases With Working Capital

Business Purchases, Real Estate, & Working Capital

Professional Practice Purchases

Franchise Resale Purchases

Note Refinancings/Payoffs On Seller Notes

New Franchise Purchase Financing
Established Since 1990

Closings In 7 To 45 Days

Quick Approvals

Step By Step Assistance

Advisory Services

Loan Brokerage & Placement

Professional Prequalifications

Over 25 Years Experience

Intensive Client Support

Nationwide Service & Support

Established Network Of Financial Institutions
We'll Assist You With:

Buyer Prequals & Financings

Seller Prequals

Broker Deal Prequals

Manager Buyouts

Employee Buyouts

Partner Buyouts

Note Payoffs/Refinancings

Loan Sizes Available: $20K - $7MM

Down Payments

Gap/Bridge Financing


LATEST NEWS & NOTES

11/5/2014:  Is it possible to get financing if you have a lower credit score? Yes it is if you can back up the "loan package" with collaterial from a home or real estate investment. Most financial institutions like to see a credit score above a 680, but we work with several lenders and financial institutions who work with us who care more about the collaterial a borrower has and the performance of the business they are looking to acquire.

11/5/2014:  Gap/bridge financing (ideal for those who are getting turned down for more conventional types of business purchase financing) is ideal for borrowers who have a down payment on a business purchase but need $20 to $125K of financing more to secure the deal. If the loan is non SBA financing then the financing may have upfront points (up to 15 in some instances) but an interest rate of approximately 6 to 11% (most of the time with no prepay penalty for early payoff). A good strategy on these types of loans is to refinance them down the road with more conventional financing with a lower interest rate and a longer time period on the note.

11/4/2014:  Just talked to a client looking to initiate a business purchase and about structuring a deal with an owner carry. This client wanted to know if it's a good idea to have the owner carry a note - do lenders/financial institutions like this type of structure they asked. Well yes they typically do - however the note has to make sense. In otherwords the interest payment in addition to the primary financing must not exceed the cash flow coming in from the business income and "stretch" the borrower. Also many of these notes will need to have "standby" period on them where the owner may not get paid for a year or two. This all depends on the lender that is selected and other financial criteria that is negotiated with the deal.

11/2/2014:  Getting professionally prequalified in advance of getting into "deal mode" is best. Just had a lender refer us a new client - this buyer lost a deal last week because they went into contract on a manufacturing company with real estate and the loan they applied for was taking too long (wrong bank selected - underwriters are known to be very slow) and the business broker pulled the deal from them in favor of a back up offer/and buyer who was prequalified and ready with the right type of business purchase financing and structured deal.   

RECENT ARTICLES & BLOGS

April 18, 2015
Warning: Loan To Buy A Small Business Might Not Come Through If Workers Aren’t Employees
The application for a loan to buy a business might get rejected if the lender does not approve of the way the workers in that business are compensated. Buyers need to be cautioned about this potential problem if an interesting business opportunity uses workers listed as independent contractors.

April 17, 2015
Seller Financing Small Business Transactions Becoming Common Practice
Business buyers typically look for seller financing small business opportunities, rather than deals requiring all cash. The owner willing to help fund the purchase (through a seller carry note) of his company provides the buyer and other lenders some reassurance that the deal is sound.

April 16, 2015
Effective Plan Of Finance To Purchase A Business
A reliable strategy of finance to purchase a business involves tapping a number of money sources. This approach usually yields the most cash and it enables the business buyer to spread the risk.

April 13, 2015
Using Your Retirement Funds To Finance A Business Purchase
The idea of accessing your retirement funds to help finance a business purchase has not been frequently considered by business buyers, but it can be a great strategy for getting that extra cash needed to close a deal. More business purchasers have begun to discover the benefits about this approach.

April 10, 2015
Get Help Buying A Business From The Right Professionals
The growing number of out-of-work Americans who wonder if they should get help buying a business will be happy to know there are professionals to provide useful advice. But learn the difference between the helpful professionals and those who advertise services, but have little of value to offer.





"When I originally envisioned selling my interest in the company to the other stockholder, I was very concerned in carrying a large note back, since he..."
- M. Petersen, Seller

"I wanted to take a moment to thank you for your assistance in locating SBA financing for my acquisition of the company I just purchased. You not only ..."
- W. Burton, Buyer

"Since this was the first business I had ever tried to sell, I soon learned that there is much more involved in selling a business than just finding a ..."
- J. Johnson, Seller

"Peter found a niche lender that was willing to loan me the money I needed to buy the restaurant I wanted that my local bank was not able to help me du..."
- Greg Randall, Buyer

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