Defined use of funds
Clearly identify what the financing will pay for and how that investment supports the business.
Longer-term financing guidance for acquisitions, real estate, equipment, expansion, refinancing, and other defined business investments.
HOW WE APPROACH IT
SBA and conventional term financing can be useful when a business has a specific capital need and a repayment period that should extend beyond short-term working capital. Documentation, business history, cash-flow support, and the use of proceeds are central to the review.
Repayment horizon
Choose a structure that fits the useful life of the investment and the business’s cash flow.
Documentation
Expect a more detailed review of business financials, ownership, tax returns, debt, and transaction details.
Long-term fit
Consider not only the initial payment, but also how the financing affects flexibility over the full term.
COMMON USES
Business acquisitionCommercial real estateEquipmentExpansionRefinancingQUESTIONS TO WORK THROUGH
What is the exact use of proceeds?
How much equity or cash is being contributed?
What historical cash flow supports repayment?
What collateral or guarantees may be required?
TALK THROUGH THE OPPORTUNITY