Financing
Equipment leasing & financing
Acquire the equipment your business runs on without draining working capital. We compare loans and lease structures, including $1 buyout leases, fair-market-value leases and sale-leasebacks, and recommend the one that best fits your cash flow and tax position.
Typical uses
- New and used equipment purchases
- Fleet and vehicle expansion
- Technology and software upgrades
- Sale-leaseback to free up equity in owned equipment
What lenders will look at
- Equipment type, age and vendor
- Time in business and cash flow
- Owner and business credit
- Down payment and term preference
Working capital loans
Short- and medium-term capital to keep operations moving through growth, seasonality or a gap between when you pay expenses and when customers pay you. We size the request to the need and structure repayment around your revenue cycle.
Typical uses
- Payroll and operating expenses
- Inventory and materials
- Funding a new contract or project
- Bridging seasonal slowdowns
What lenders will look at
- Monthly revenue and bank activity
- Existing debt obligations
- Use of funds
- Industry and seasonality
Business lines of credit
A line of credit gives an established business a financial cushion it can use on its own schedule. We help position your financials for the strongest available limit, rate and covenant terms.
Typical uses
- Managing uneven cash flow
- Short-term opportunities and discounts
- Emergency reserve
- Supporting receivables growth
What lenders will look at
- Two to three years of financials
- Profitability and debt service coverage
- Receivables and inventory quality
- Banking relationship
Secured & unsecured financing
Secured financing typically brings lower rates by pledging real estate, equipment, receivables or inventory. Unsecured financing keeps assets free and can move faster. We lay out both side by side so you can weigh cost against flexibility.
Typical uses
- Term loans for expansion
- Debt consolidation and refinancing
- Acquisitions
- Capital without pledging assets
What lenders will look at
- Available collateral and its value
- Credit profile
- Speed requirements
- Total cost of capital
Commercial real estate financing
Whether you are buying the building you operate from or adding an investment property, we evaluate conventional, SBA and alternative structures and prepare a complete, lender-ready package.
Typical uses
- Owner-occupied purchases
- Investment property acquisitions
- Refinancing and cash-out
- Renovations and improvements
What lenders will look at
- Property type, value and location
- Down payment and liquidity
- Business or rental cash flow
- Hold period and goals
Accounts receivable factoring
Factoring advances cash against your outstanding invoices. Approval depends heavily on the credit quality of your customers, which makes it a strong fit for growing B2B companies whose balance sheets have not caught up with their sales.
Typical uses
- Slow-paying commercial customers
- Rapid growth outpacing cash
- Staffing, trucking and distribution
- Government and contractor receivables
What lenders will look at
- Customer credit quality
- Invoice volume and terms
- Concentration in top customers
- Existing liens
Franchise financing
We work with first-time franchisees and multi-unit operators to fund new locations, combining SBA, equipment and conventional financing where it makes sense.
Typical uses
- Franchise fees
- Leasehold improvements and build-out
- Equipment and signage
- Opening working capital
What lenders will look at
- Franchise brand and unit economics
- Owner experience and liquidity
- Personal credit
- Development schedule
Advisory
Financing consultation
Not sure what you qualify for, or why a lender said no? We review your financials, credit and goals, then map out a realistic capital plan and the steps that will strengthen your position before you apply.
Typical uses
- Understanding what you qualify for
- Recovering from a decline
- Comparing competing offers
- Planning for future capital needs
What lenders will look at
- Financial statements and tax returns
- Business and personal credit
- Debt schedule
- Short- and long-term goals
Business sale preparation
Most buyers rely on financing, so a business that is easy to underwrite is easier to sell and often commands a better price. We help organize financials, resolve issues lenders will flag, and position the company for a smoother close.
Typical uses
- Exit or succession planning
- Preparing for a buyer's lender
- Cleaning up financial reporting
- Identifying value detractors early
What lenders will look at
- Quality of earnings and add-backs
- Customer and revenue concentration
- Owner dependence
- Debt and lien position