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Corporate Mergers and Acquisition 

Corporate Mergers and Acquisition 

In today’s ever-changing marketplace, mergers and acquisitions of corporations take place every day.

A corporate merger is basically the combination of assets and liabilities of two separate firms into a single business entity.

There is usually an exchange of stock where one firm issues new shares to the shareholders of the other firm at a certain ratio.

This usually takes place between two equal companies in size, wealth and industry.

Corporate acquisition financing is usually where a larger corporation acquires a smaller corporation in the same industry.

In order to facilitate these transactions,  companies often need the right financing vehicle of either debt or equity in place to execute this financing successfully.

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Private Equity Funds

Private Equity Funds

This form of financing can be very useful to businesses that normally would not qualify for traditional debt financing for a variety of reasons.

Equity financing is simply the act of raising capital for company activities and needs by selling common or preferred stock to individual or institutional investors.

In return for the money injected into the company by the investors, shareholders receive ownership interests in the corporation.

Businesses usually turn to equity financing when they are unable to raise sufficient funds through retained earnings or when they have to raise additional equity to offset debt.

Some benefits of equity financing are a business does not have to worry about repayment in the traditional sense. As long as the business makes a profit, the investor or lender will be repaid.

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Building a Business Credit Score

Building a Business Credit Score

Most business owners use their own personal credit to fund their business, or they drain their personal savings and borrow money from family and friends. This places significant risk on the personal assets of the business owner and their family. 

Why do this if you don’t need to?

The Business Credit Suite was built to help your clients start and grow their business without using their own funds, personal credit, or funds from family and friends.  

This program will build credit for their EIN that is not linked to their personal social security number. This means in the event of business failure their personal assets are not at stake.   

This credit doesn’t require cash flow, collateral, or good personal credit to qualify. So, your clients can get approved even as a startup business, and regardless of their personal credit quality.

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Equipment Financing – Leasing

Equipment Finance & Leasing 

Equipment Finance & Leasing is the number one means of financing equipment in America today. Leasing is a $400+ billion dollar industry, and many of your clients are currently in need of this form of financing.

Businesses of all kinds lease equipment to conserve their available cash. When capital is conserved by straight finance or leasing equipment, it can be used for other company needs (increasing inventories, expanding sales, etc.).  In the case a lease is used, it is important to know it is not a loan. Actual borrowing reduces lines of credit. Leasing is thus a NEW credit source, which allows the customer increased borrowing capacity. It virtually eliminates obsolescence as the business always has the latest and greatest new equipment.

You will be able to serve a variety of industries and businesses whether it be to end users (buyers of equipment) or vendors (sellers of equipment).

You can set up a finance program with vendors so they can start sending you transactions & clients for years to come. If you get several vendors set up sending you a few deals per month, it’s not hard to see the kind of money you could make in a year simply from this offering.

You will have access to programs for A & B type credits often with approvals in less than 24 hours. With some programs that our lenders offer, you can fund equipment up to $150,000 with just a one-page application with no required financials or tax returns. These are called “App Only” programs and serve as great selling points to a client or vendor relationship you might have.

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SBA Loan Programs – 504(c) & 7(a)

SBA Loan Programs

Nearly any lender can originate an SBA loan but few are specialists. The lenders here will be able to assist your clients in purchasing their owner-occupied real estate quickly and efficiently.

In addition, we all know businesses need working capital, that’s why we have the capacity to provide fast and efficient working capital SBA loan proceeds with the nation’s leading SBA lenders.

Commercial Real Estate Specific: Purchasing or Refinancing, New Construction or Lease Hold Improvements etc.

Working Capital Specific: Purchase Equipment, Lease Hold Improvements, Partner Buy-Outs, Expansion, New Business Acquisitions, Marketing Budget etc.

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High Balance Commercial Real Estate – 10+ million

High Balance Commercial Real Estate – 10+ million

Just because a company has solid yearly revenues does not mean they own their own building(s).

Many of these companies have leased their buildings to cut down on expenses in order to focus on growth and maintain flexibility should their growth require a move into a larger space.

At some point, these companies wish to purchase and own their own buildings.

This program is for companies with solid 10+ million in annual revenues and is seeking to establish their organization firmly with the purchase of their own commercial real estate.

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Health Care Facilities – Commercial Real Estate

Health Care Facilities – Commercial Real Estate

There is a tremendous need for healthcare facilities as our Baby Boomer population has reached the age where assist living or outright medical care is increasingly common.

Assisted Living Facilities, Memory Care, Skilled Nursing Facilities, hospitals, Surgical centers and more.

In addition to the above real estate-based financing programs, there are others that are tailored for the medical professional to include: medical receivables, medical equipment, leasehold improvements,  partner buyouts, and acquisitions, ground up construction, working capital etc.

The medical field is booming and there are finance solutions in place to feed the growth.

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Merchant Cash Advance – MCA

Merchant Cash Advance – MCA

A merchant cash advance allows a business owner who accepts credit card payments or has other payment or receivables streams to obtain an advance of the funds regularly flowing through the business’ merchant account.

A merchant cash advance (MCA) is not a loan, but rather an advance based upon the future revenues or credit card sales of a business. A small business can apply for an MCA and have an advance deposited into its account fairly quickly.

Typically, the business will need to see an average of $10,000 plus of monthly credit card deposits and have been in operation for several months in order to qualify.

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Multi-Family Rehab – Adaptive Reuse

Multi-Family Rehab – Adaptive Reuse

The commercial retail industry, in particular, has changed dramatically in recent years.  Many prominent brick and mortar retailers have closed down hundreds of locations due to the growing dominance of online retailers.

With this change there has been a corresponding increase in people who rent or lease their primary living space, thus the demand for that type of commercial real estate has grown as well.

Savvy investors and developers are buying commercial buildings and changing their original use and adapting these buildings to meet the rental market and even condo owner-occupiers.

Short-term lending is the primary means of financing the acquisition and subsequent rehab of these projects. Once the project is complete and the units are generating income then, a long-term take-out loan is put in place.

The duel financing nature of these transactions offers two opportunities for you to earn by helping your clients.

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Multi-Family Long Term Financing

Multi-Family Long-Term Financing

Since the 2008 housing crisis in the United States, there has been a sharp and dramatic increase in demand for affordable rental housing.

Many small and large investors have taken the lead in constructing new buildings and renovating and updating old buildings to provide for this urgent need.

From a lending perspective, there is an almost insatiable appetite to deploy capital on this type of asset all across the United States.

These lending programs are flexible and cater specifically to making sure multi-family buildings are suitable for residents and the financing terms are advantageous for the owners’ cash flows.