News Releases

When it comes to acquisition lending that includes a “goodwill” component, the consideration always turns to collateral values and what amount a lender might secure to minimize their exposure and comply with SBA rules. The answer is not as simple as you might expect.

protecting outside investors when using sba financingEach year, a large percentage of our transactions will include one or more silent investors. These investors are typically willing to assist with the down payment, but will always prefer to limit their exposure to...

We’ve all heard many of these terms before, but do you really understand a lender when they are telling your borrower that the 1.15 ratio is not in line?

As we usher in the new year with great celebrations and expectations for 2020, we want to take this moment to express our heartfelt gratitude to you, our brokers, our friends.

The calls come in almost daily here in our shop, with the first question at times being, can you offer a fixed rate loan? Our response is always the same, can you afford it? What many clients don’t understand, and/or are not explained, is that fixed rates come at a cost.

This newsletter will discuss change and how it affects you, your company and your living. It’s happening today and everyday as part of our business community, so let’s talk about the actual effects.

It doesn’t happen very often to our offices, but it does happen a few times a year and it is extremely frustrating when considering everything we disclose and explain upfront to avoid this exact situation.

If a potential buyer would have called our office just a few years back we would have advised them completely differently than we would today, so what’s changed since then?

You’ve just advised your seller to accept the presented LOI and now need a lender to agree to finance this transaction. The only concern is the 3.4-Million-dollar goodwill piece included in the 4.0-million-dollar purchase price.