Evaluating
Business Financing

Every financing type carries distinct requirements, lender expectations, and structural considerations. We align each transaction with the appropriate financing approach based on deal characteristics, risk profile, and capital needs rather than convenience. Not every deal qualifies, and that’s intentional. Our role is to identify fit, structure transactions accordingly, and guide financing that meets lender standards and credit requirements.
SBA 7(a) Loans
General-purpose SBA financing used for startups, business acquisitions, expansions, equipment purchases, refinancing, and working capital. These loans are best suited for businesses with projected cash flow to support long-term debt repayment.
Business Acquisitions
Financing used to acquire existing operating businesses. These transactions consider valuation support, purchase structure, buyer experience, and continuity of operations. Seller financing is often used to align incentives and demonstrate confidence in ongoing operations.
Business Expansion
Financing used to support business growth initiatives such as expanding operations, opening new locations, or investing in equipment and infrastructure. These transactions focus on scalability and readiness to execute.
Partner Buyouts
Financing used to buy out an existing business partner. These transactions focus on ownership restructuring, valuation support, and the remaining owner’s ability to operate the business independently.
Franchise Financing
Financing used for franchise businesses operating under an established brand. These transactions consider brand strength, expected unit performance, and borrower fit within the franchise.
Commercial Real Estate
Financing used to purchase or refinance owner-occupied commercial property. These transactions focus on property fundamentals and are often structured using programs such as the SBA 504.
How We Think About Financing
Capital Structure
We look at your equity contribution, existing debt levels, the business’s working capital needs, and whether the financing supports long-term sustainability.
Risk Profile
Every lender operates within defined risk boundaries. We assess liquidity, collateral position, and guarantor strength to understand how a transaction is likely to be evaluated.
Lender Appetite
Lenders are not interchangeable. We leverage relationships with preferred institutions that understand specific transaction types and deal complexities to align each deal to the right lender team.
Borrower Readiness
Successful transactions require preparation, documentation, and realistic expectations. We work with borrowers who value process, understand credit decisioning, and demonstrate readiness to execute.
Not Sure What Fits?
Financing decisions should be based on structure, not guesswork. If you're evaluating options and want to understand how your transaction may be viewed by lenders, we’re here to provide that perspective.
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