Here are some of the strategic methods and products we use in providing custom financial services for our clients…
Small Business Administration Loan Guarantees (SBA Loans)
Our firm has great success in structuring transactions to meet the requirements of the Small Business Administration's loan guarantee program. We know the regulations, restrictions and opportunities of this program, so we can help you market your transaction to the best qualified lenders--assuring you the best terms and the highest likelihood of a timely closing.
Department of Housing Loan Guarantee (HUD Loans)
The U.S. Department of Housing and Urban Development's loan guarantee programs are usually the best source of capital for developers, apartment owners, and a broad range of educational and medical care providers, including nursing homes, assisted living facilities, dorm housing and hospitals.
These transactions are organized as mortgage loans; however, unlike regulated banks, our mortgage bankers do not need to make a "spread." Capital is available at the lowest possible pricing. In addition, unusually aggressive terms--such as fixed 40-year amortizations, 95% debt financing and even financing for 99-year land leases--are available without the requirement of personal guarantees.
Chapter 11 Bankruptcy Reorganization
Our firm has successfully worked with clients to negotiate, draft and confirm numerous Chapter 11 reorganization plans. Our lenders understand bankruptcy and actively seek out reorganization opportunities to finance.
Management Buy-Out (MBO)
We have helped many management teams accomplish a buy-out in a timely fashion, while acting as a much-needed intermediary to properly negotiate and finance the transaction. Often, the conflict that arises between owners and managers can limit the chances of a successful transaction. In working with the management team and negotiating directly with owners, we help you close your buy-out in a fair and expedient way.
Leveraged Buy-Out (LBO) and Asset Based Lending
Through aggressive leveraging and high loan-to-value ratios, our lenders can significantly reduce the amount of equity a buyer requires. Depending on the business, this can be a highly rewarding opportunity to acquire much needed equipment, a stand alone business, or grow your market share through acquisition of a competitor or complimentary product or service provider.
We maintain relationships with a multitude of qualified accounts-receivable financing sources. In the event that a factor is your most appropriate means of securing capital, we can help you obtain the best possible terms.