Tag: Acquisition

Business Acquisition Loan #import #export #business

#business acquisition loans

#

Welcome to Business Credit Sources.com. the website serving Beyond Breakeven, Inc. Visitors to our site are usually looking for one thing and one thing only – MONEY!

The seasoned professionals at Beyond Breakeven, Inc. are dedicated to Empowering the Entrepreneur and providing results through business education, funding resources and strategies the proper way to get a small business loan.

If you are frustrated with your business profit or funding progress, it�s probably not because you lack a workable project. But rather, you lack the knowledge of the many funding options and profit engineering resources available.

Learn how you can get 100% funding to buy a business. Not like real estate investing or stock trading, but the business of your dreams like a coffee shop, hair salon, spa, retail store, auto shop, liquor store, restaurant, sports bar, etc.

Historically, 93% of the time banks have said No to small business loan requests. Just because a bank won’t fund a deal doesn’t mean there are no business loans or business credit available for that deal. Since 2003, Ed Keels and his staff at Beyond Breakeven, Inc. (BBI) have been helping wannabe business owners with deal structures that provide business loans and business credit when banks won’t. In fact, BBI has developed more than one hundred ways to fund a business acquisition and do so with little to none of the buyer’s own money.

To fast-track your project, call us today at 813-977-7071 to
schedule a free one-hour strategic planning session to explore your options.

Einstein said the definition of insanity is. �doing the same thing and expecting a different outcome . When will you stop merely wishing and dreaming while nothing changes, all the while expecting a different result? It�s time to stop wishing you had your own business or more profits and time to do something�something different.

Call NOW to schedule your free one-hour strategic planning session.
813-977-7071

Beyond Breakeven, Inc. helps clients start-up or purchase a business� and in most instances with little to none of their own money. Because getting into business is only half of the battle, Beyond Breakeven also teaches clients how to make money.

The company provides individual project counseling as well as seminars on:

How to Buy a Business with None of Your Own Money
How to Run it Like a Cash Cow
��

Actual Deal Structures and Successful Fundings from Our Files

  • Client approved for over $200,000 when she only needed $60,000 to purchase a coffee shop/bakery

$450,000 to start a wholesale heating, air conditioning and refrigeration supply house in Nevada

  • 120% financing to buy two scrapbook retail stores in Florida
  • $50,000 to start a wholesale medical equipment company in Louisiana
  • $250,000 to start a wholesale industrial equipment company in Louisiana
  • $50,000 to start an employment agency in Utah
  • 100% financing to buy a retail scooter store in California
  • 100% financing to acquire a restaurant in Las Vegas
  • 116% financing to acquire a pizza restaurant in Mississippi
  • 110% financing to acquire a seafood restaurant in Mississippi
  • 139% financing to buy a pizza restaurant in Arizona
  • $50,000 to open a coffee and smoothie shop in South Carolina

  • To fast-track your project, call us today at 813-977-7071 to schedule a free
    one-hour strategic planning session to explore your options.

    �It took my bank three months to tell me they would only loan me $30,000 of the $96,000 I asked for. I continued to hit brick walls until I found Beyond Breakeven. They structured my project, packaged my loan application and I got SBA approval in 72 hours! They made it easy. I never even had to meet the lender. They are my knights in shining armor. I could never have done this without them and the continued support is invaluable.�
    Patti, President
    Scrapbook Headquarters, Inc.

    �You will know every facet of your business and how it should work. The entire process is easy and you learn the main goal of this whole thing, making money! All you have to do is go at this with an open mind, and learn all that you possibly can from Ed and his staff of professionals at Beyond Breakeven. We were approved for our SBA loan of $450,000. And, we are currently under construction of our warehouse facility.�
    Tom Gail Newkirk,
    Bub�s Wholesale

    (click here to view the entire letter)

    �Beyond Breakeven has provided us with a tremendous service and I would certainly recommend the company and specifically Ed Keels and Fabian Sutherland to other people who are looking to open a start-up business. The services that Beyond Breakeven have provided to date have far exceeded the consulting fee we paid.�
    Brad Rosenberg Matt Horelick
    Low Calzone, Inc.

    (click here to view the entire letter)

    Flat out, our company’s odds of success have increased tenfold because of our relationship with Beyond Breakeven. They educate you on the subjects you don’t know. but more importantly, they educate you about the things you don’t even realize you don’t know. Their advice guides our decisions on a daily basis.
    Tom Brabenec, President
    Golf Journal Publishing, Inc.

    �I learned more in the first hour-and-a-half Beyond Breakeven session than I have in all of my entrepreneur college courses.�
    Mark de Grasse
    Powerboardz

    �I never thought I could own a business at such a young age. And, with none of my own money!�
    Jamie Keels at age 24,
    Owner, Doughboys Pizza

    �I learned more in just four phone conversations with Ed Keels, the president of Beyond Breakeven, than I did in the last year-and-a-half of talking to lots of different business advisors.�
    Brian Wollin,
    BIE Smoothies

    Beyond Breakeven, Inc. – Testimonials

    Beyond Breakeven, Inc. helps clients start-up or purchase a business, and in most instances, with little to none of their own money. Because getting into business is only half of the battle, Beyond Breakeven also teaches clients how to make money.

    The company provides individual project counseling as well as seminars on �How to Buy a Business with None of Your Own Money How to Run it Like a Cash Cow��

    To fast-track your project, call us today at 813-977-7071
    to schedule a free one-hour strategic
    planning session to explore your options.

    Other sources for Business Acquisition Loan

    Board Topic: 100% Financing for Biz Acquisition I think that all of my employers would pass on a business acquisition loan with a proforma relationship businessacquisitionloan

    Financing the Business Acquisition By some estimates, the rate of rejection by banks for business acquisition loans can go higher than 80 percent. With any of the acquisition financing businessacquisitionloan

    SBA Loan – DGH Financial Services, Inc: Business Acquisition Loans A Dynamic Organization Assisting Companies Of All Sizes Expand By Securing Financing VIA The US Government’s SBA Guaranteed Loan Program. www.sba4you.com/businessacquisition.html

    Business Acquisition Business Acquisition Loans Purchasing an existing business is an excellent: The term for a business acquisition loan will vary, depending on the type of. www.aedc1.org/bzacq.html

    Acquisition Business Acquisition Loans. Please note that our minimum loan requirement is $250000. SBA loan funds can be used to purchase the assets of an existing www.sbaeloans.com/acquisit.htm

    Business Acquisition Financing Acquisition Loans Investment Banking Business Acquisition Financing Acquisition Loans by Projects Finance. We arrange aggressive business loans! We arrange business line of credit. businessacquisitionloan

    Merger and Acquisition Loans Program providing up to $100000 in equity funding for qualified start-up and expanding businesses as an interim measure until capital is acquired. www.businessplanfunding.com/term.php?id=180

    Acquisition Financing – Asset Based Lending Loans � Growth: Acquisition Financing. Our term loans and revolving lines of credit are: You have worked hard to build your business to its current level of success. www.cit.com/main/ProductsAndServices/BusinessNeed/Acquisition.htm





    Tags : , ,

    Business Loans, Acquisition Funding, Commercial Banking – Opus Bank #business #solutions

    #business acquisition loans

    #

    Business Loans

    Opus Bank’s portfolio of products, services and solutions are particularly well-suited to support small to mid-sized businesses with revenues from $5 million to $100 million and more. Opus Bank has commercial business banking resources to help your business grow and expand. We believe in building long-term business partner relationships, so you can count on us to be there as you grow.

    ​LENDING THAT MAKES SENSE

    We know every business is unique, which is why our “common sense underwriting” is designed to help you capitalize on the opportunities that make sense for your business. Our Business Bankers are experts at finding the right financing solution for your business.

    BUSINESS LOANS

    Opus Bank has an extensive array of capital financing to help you achieve your business goals and aspirations.

    • Equipment Loans – Our Equipment Loans can help you purchase equipment, vehicles, or make capital improvements.
    • Business Acquisition Term Loans – Our Business Acquisition Term Loans can be structured to provide cost-effective financing for purchasing another business.
    • Owner-Occupied Real Estate Loans – We can help with the purchase or refinancing of an existing facility, or with the construction of a new facility through our Owner-Occupied Real Estate Loans.
    • Small Business Loans – As a Small Business Administration Preferred Lender, Opus Bank can help you secure the critical funds you need.

    Financing subject to credit and collateral approval by Opus Bank





    Tags : , , , , , , , ,

    Business Loans, Acquisition Funding, Commercial Banking – Opus Bank #free #business #advertising

    #business acquisition loans

    #

    Business Loans

    Opus Bank’s portfolio of products, services and solutions are particularly well-suited to support small to mid-sized businesses with revenues from $5 million to $100 million and more. Opus Bank has commercial business banking resources to help your business grow and expand. We believe in building long-term business partner relationships, so you can count on us to be there as you grow.

    ​LENDING THAT MAKES SENSE

    We know every business is unique, which is why our “common sense underwriting” is designed to help you capitalize on the opportunities that make sense for your business. Our Business Bankers are experts at finding the right financing solution for your business.

    BUSINESS LOANS

    Opus Bank has an extensive array of capital financing to help you achieve your business goals and aspirations.

    • Equipment Loans – Our Equipment Loans can help you purchase equipment, vehicles, or make capital improvements.
    • Business Acquisition Term Loans – Our Business Acquisition Term Loans can be structured to provide cost-effective financing for purchasing another business.
    • Owner-Occupied Real Estate Loans – We can help with the purchase or refinancing of an existing facility, or with the construction of a new facility through our Owner-Occupied Real Estate Loans.
    • Small Business Loans – As a Small Business Administration Preferred Lender, Opus Bank can help you secure the critical funds you need.

    Financing subject to credit and collateral approval by Opus Bank





    Tags : , , , , , , , ,

    How to use the SBA for business acquisition financing – Smart Business Magazine #sba

    #business acquisition loan

    #

    How to use the SBA for business acquisition financing

    Most businesses have intangible assets that are difficult to value and nearly impossible to collateralize. You will hear terms like “blue sky” or “goodwill” to describe these assets.

    Due to the more flexible collateralization standards associated with U.S. Small Business Administration (SBA) loans, these assets can be financed along with the more tangible assets that are a part of the business acquisition. This is just one reason why a business owner should consider an SBA loan for a change of ownership or business acquisition, over a conventional loan.

    Smart Business spoke with Romona Davis, vice president of SBA Commercial Lending at Ridgestone Bank. about the advantages of utilizing the SBA for business acquisition financing.

    Beyond flexible collateralization standards, why else are SBA loans more attractive?

    Conventional loans for business acquisitions are based on a three- or five-year term. This can make it tough for the business to meet the debt service requirements of most lenders. Utilizing an SBA loan, the acquisition can be stretched out over seven or even 10 years. This lowers the payments and makes it easier for the borrower to hit the debt service targets of the lender.

    Stretching out the amortization of the loan also frees up additional cash flow for the new owner of the business. He or she may then use that cash flow to invest in marketing, implementation of new initiatives or adding a product line. Cash flow is king.

    In addition, long-term amortization can help with the ebbs and flows of business that inevitably arise. If you are in a downslope when a three-year conventional loan becomes due, the bank might put you in forbearance or impose monthly renewal fees. With the SBA, you have something in place long term.

    Is seller financing sometimes involved in a business acquisition?

    Yes, quite often. With SBA financing of a business acquisition, a seller’s note can be used as a portion of the required equity injection.

    Typically, lenders in a business acquisition scenario prefer a 25 percent equity injection from the borrower. This can be a tough requirement for many borrowers. If the seller agrees to hold back a note, and it is structured correctly, that note can be counted as part of the borrower’s equity injection, thus making it easier to come up with the needed equity.

    Also, the sellers are often sole proprietors or family businesses and they want to see their legacy carried forward. Keeping the seller engaged assists the buyer in making the transition and assures the bank there is a team in place that can make it longer term.

    What was the change the SBA made to its ownership rules and why?

    The SBA removed the liquidity requirement a few years back. Without that requirement, the SBA made it possible for businesses with owners who have strong liquidity to obtain financing through an SBA loan. Removing the liquidity requirement allows borrowers who may not have good liquidity to bring an equity partner who has liquidity to the table to help them get an approval.

    The reason the SBA made this change was to provide borrowers more flexibility in how they can structure their business when they seek SBA financing.

    When business owners use an SBA loan for a business acquisition, what do they need to understand about the lending process?

    Business acquisition loans are complex. Anyone who is considering utilizing bank financing for a business acquisition should engage his or her banker early in the process. Ideally, before you even start negotiating with the seller.

    Your banker can advise you on areas where you can be flexible in negotiation and areas where you need to be less flexible. He or she also can alert the buyer to some of the pitfalls to avoid.

    Since a lot of information will be needed from both parties, the sooner documents are provided, the easier the process becomes. Also, be sure there is open and honest communication from the start. Don’t leave any surprises to the end, or your financing can be delayed or compromised.

    Always make sure you are dealing with a lender who has SBA experience and a bank that is a preferred lending partner with the SBA.

    Equal Housing Lender. Member FDIC

    Insights Banking Finance is brought to you by Ridgestone Bank

    Post navigation

    You Might Also Like





    Tags : , , , , , , , , , , ,

    How to Finance a Business Acquisition #business #quotes

    #business acquisition loan

    #

    How to Finance a Business Acquisition

    Business experts often say that it costs less to buy an existing business than to build one from the ground up. If you are an entrepreneur looking into purchasing a business, there are a few items to consider when seeking financing for the acquisition that may strengthen your viability as a loan candidate and your ability to tap into a variety of potential financing sources.

    Most lenders will want to review your business plan, and you should also determine the economic status and value of the business you re considering buying. Review the financials and consider having your banker and/or trusted financial advisor also review the numbers. Ascertain the value of the business, including any equipment, real estate, inventory and other assets.

    To increase your viability as a loan candidate, convey your industry expertise and any management know-how to your potential lender. Lenders look for candidates who exhibit strong potential for success after acquiring the business. Show lenders that the transition period will run smoothly, and consider keeping existing managers on staff to help ensure an easy transition. Seasoned employees can also help you learn the inner workings of the business and help secure extended contracts with existing customers.

    When seeking financing, consider these lending sources:

    • Family, friends or angel investors. Lenders will likely expect the buyer to provide between 20 percent and 50 percent of the capital upfront. If you do not have the initial capital to invest in the business, consider borrowing from family and/or friends. Another option may be angel investors–wealthy individuals who make equity investments in businesses at the early stages. They typically have expertise in the fields of businesses in which they invest and can also offer their resources and contacts.
    • Seller financing. Consider asking the seller if he or she can provide financing for the sale of all or some of the business. In some cases, sellers may provide a very reasonable interest rate. Some seller financing can also prompt other lenders to invest in the venture.
    • U. S. Small Business Administration. Many lenders across the country offer small-business loans guaranteed by the U.S. Small Business Administration (SBA). These loans may provide more lenient and flexible financing for qualifying borrowers.
    • Financial institutions. While the industry is still in the midst of a tight credit market, the fundamentals for loan qualification remain important. They include demonstrating positive cash flow, solid management experience, industry expertise and a strong credit report. Banking relationships are also a significant part of the equation. It is important to cultivate and maintain a relationship with your banker, keeping him/her well-informed about your business experience within a particular industry. Many banks, also have special lending programs for women-, minority- and disabled-veteran-owned businesses.

    Be prepared and stay informed when seeking financing for an acquisition. It is not unusual, especially in a tight credit market, for business owners to seek a variety of lending sources.

    The foregoing article is intended to provide general information about financing an acquisition and is not considered financial advice from Union Bank. Please consult your financial advisor.





    Tags : , , , , ,

    How to use the SBA for business acquisition financing – Smart Business Magazine #new

    #business acquisition loan

    #

    How to use the SBA for business acquisition financing

    Most businesses have intangible assets that are difficult to value and nearly impossible to collateralize. You will hear terms like “blue sky” or “goodwill” to describe these assets.

    Due to the more flexible collateralization standards associated with U.S. Small Business Administration (SBA) loans, these assets can be financed along with the more tangible assets that are a part of the business acquisition. This is just one reason why a business owner should consider an SBA loan for a change of ownership or business acquisition, over a conventional loan.

    Smart Business spoke with Romona Davis, vice president of SBA Commercial Lending at Ridgestone Bank. about the advantages of utilizing the SBA for business acquisition financing.

    Beyond flexible collateralization standards, why else are SBA loans more attractive?

    Conventional loans for business acquisitions are based on a three- or five-year term. This can make it tough for the business to meet the debt service requirements of most lenders. Utilizing an SBA loan, the acquisition can be stretched out over seven or even 10 years. This lowers the payments and makes it easier for the borrower to hit the debt service targets of the lender.

    Stretching out the amortization of the loan also frees up additional cash flow for the new owner of the business. He or she may then use that cash flow to invest in marketing, implementation of new initiatives or adding a product line. Cash flow is king.

    In addition, long-term amortization can help with the ebbs and flows of business that inevitably arise. If you are in a downslope when a three-year conventional loan becomes due, the bank might put you in forbearance or impose monthly renewal fees. With the SBA, you have something in place long term.

    Is seller financing sometimes involved in a business acquisition?

    Yes, quite often. With SBA financing of a business acquisition, a seller’s note can be used as a portion of the required equity injection.

    Typically, lenders in a business acquisition scenario prefer a 25 percent equity injection from the borrower. This can be a tough requirement for many borrowers. If the seller agrees to hold back a note, and it is structured correctly, that note can be counted as part of the borrower’s equity injection, thus making it easier to come up with the needed equity.

    Also, the sellers are often sole proprietors or family businesses and they want to see their legacy carried forward. Keeping the seller engaged assists the buyer in making the transition and assures the bank there is a team in place that can make it longer term.

    What was the change the SBA made to its ownership rules and why?

    The SBA removed the liquidity requirement a few years back. Without that requirement, the SBA made it possible for businesses with owners who have strong liquidity to obtain financing through an SBA loan. Removing the liquidity requirement allows borrowers who may not have good liquidity to bring an equity partner who has liquidity to the table to help them get an approval.

    The reason the SBA made this change was to provide borrowers more flexibility in how they can structure their business when they seek SBA financing.

    When business owners use an SBA loan for a business acquisition, what do they need to understand about the lending process?

    Business acquisition loans are complex. Anyone who is considering utilizing bank financing for a business acquisition should engage his or her banker early in the process. Ideally, before you even start negotiating with the seller.

    Your banker can advise you on areas where you can be flexible in negotiation and areas where you need to be less flexible. He or she also can alert the buyer to some of the pitfalls to avoid.

    Since a lot of information will be needed from both parties, the sooner documents are provided, the easier the process becomes. Also, be sure there is open and honest communication from the start. Don’t leave any surprises to the end, or your financing can be delayed or compromised.

    Always make sure you are dealing with a lender who has SBA experience and a bank that is a preferred lending partner with the SBA.

    Equal Housing Lender. Member FDIC

    Insights Banking Finance is brought to you by Ridgestone Bank

    Post navigation

    You Might Also Like





    Tags : , , , , , , , , , , ,

    Business Acquisition Loan #advertise #my #business

    #business acquisition loans

    #

    Welcome to Business Credit Sources.com. the website serving Beyond Breakeven, Inc. Visitors to our site are usually looking for one thing and one thing only – MONEY!

    The seasoned professionals at Beyond Breakeven, Inc. are dedicated to Empowering the Entrepreneur and providing results through business education, funding resources and strategies the proper way to get a small business loan.

    If you are frustrated with your business profit or funding progress, it�s probably not because you lack a workable project. But rather, you lack the knowledge of the many funding options and profit engineering resources available.

    Learn how you can get 100% funding to buy a business. Not like real estate investing or stock trading, but the business of your dreams like a coffee shop, hair salon, spa, retail store, auto shop, liquor store, restaurant, sports bar, etc.

    Historically, 93% of the time banks have said No to small business loan requests. Just because a bank won’t fund a deal doesn’t mean there are no business loans or business credit available for that deal. Since 2003, Ed Keels and his staff at Beyond Breakeven, Inc. (BBI) have been helping wannabe business owners with deal structures that provide business loans and business credit when banks won’t. In fact, BBI has developed more than one hundred ways to fund a business acquisition and do so with little to none of the buyer’s own money.

    To fast-track your project, call us today at 813-977-7071 to
    schedule a free one-hour strategic planning session to explore your options.

    Einstein said the definition of insanity is. �doing the same thing and expecting a different outcome . When will you stop merely wishing and dreaming while nothing changes, all the while expecting a different result? It�s time to stop wishing you had your own business or more profits and time to do something�something different.

    Call NOW to schedule your free one-hour strategic planning session.
    813-977-7071

    Beyond Breakeven, Inc. helps clients start-up or purchase a business� and in most instances with little to none of their own money. Because getting into business is only half of the battle, Beyond Breakeven also teaches clients how to make money.

    The company provides individual project counseling as well as seminars on:

    How to Buy a Business with None of Your Own Money
    How to Run it Like a Cash Cow
    ��

    Actual Deal Structures and Successful Fundings from Our Files

    • Client approved for over $200,000 when she only needed $60,000 to purchase a coffee shop/bakery

    $450,000 to start a wholesale heating, air conditioning and refrigeration supply house in Nevada

  • 120% financing to buy two scrapbook retail stores in Florida
  • $50,000 to start a wholesale medical equipment company in Louisiana
  • $250,000 to start a wholesale industrial equipment company in Louisiana
  • $50,000 to start an employment agency in Utah
  • 100% financing to buy a retail scooter store in California
  • 100% financing to acquire a restaurant in Las Vegas
  • 116% financing to acquire a pizza restaurant in Mississippi
  • 110% financing to acquire a seafood restaurant in Mississippi
  • 139% financing to buy a pizza restaurant in Arizona
  • $50,000 to open a coffee and smoothie shop in South Carolina

  • To fast-track your project, call us today at 813-977-7071 to schedule a free
    one-hour strategic planning session to explore your options.

    �It took my bank three months to tell me they would only loan me $30,000 of the $96,000 I asked for. I continued to hit brick walls until I found Beyond Breakeven. They structured my project, packaged my loan application and I got SBA approval in 72 hours! They made it easy. I never even had to meet the lender. They are my knights in shining armor. I could never have done this without them and the continued support is invaluable.�
    Patti, President
    Scrapbook Headquarters, Inc.

    �You will know every facet of your business and how it should work. The entire process is easy and you learn the main goal of this whole thing, making money! All you have to do is go at this with an open mind, and learn all that you possibly can from Ed and his staff of professionals at Beyond Breakeven. We were approved for our SBA loan of $450,000. And, we are currently under construction of our warehouse facility.�
    Tom Gail Newkirk,
    Bub�s Wholesale

    (click here to view the entire letter)

    �Beyond Breakeven has provided us with a tremendous service and I would certainly recommend the company and specifically Ed Keels and Fabian Sutherland to other people who are looking to open a start-up business. The services that Beyond Breakeven have provided to date have far exceeded the consulting fee we paid.�
    Brad Rosenberg Matt Horelick
    Low Calzone, Inc.

    (click here to view the entire letter)

    Flat out, our company’s odds of success have increased tenfold because of our relationship with Beyond Breakeven. They educate you on the subjects you don’t know. but more importantly, they educate you about the things you don’t even realize you don’t know. Their advice guides our decisions on a daily basis.
    Tom Brabenec, President
    Golf Journal Publishing, Inc.

    �I learned more in the first hour-and-a-half Beyond Breakeven session than I have in all of my entrepreneur college courses.�
    Mark de Grasse
    Powerboardz

    �I never thought I could own a business at such a young age. And, with none of my own money!�
    Jamie Keels at age 24,
    Owner, Doughboys Pizza

    �I learned more in just four phone conversations with Ed Keels, the president of Beyond Breakeven, than I did in the last year-and-a-half of talking to lots of different business advisors.�
    Brian Wollin,
    BIE Smoothies

    Beyond Breakeven, Inc. – Testimonials

    Beyond Breakeven, Inc. helps clients start-up or purchase a business, and in most instances, with little to none of their own money. Because getting into business is only half of the battle, Beyond Breakeven also teaches clients how to make money.

    The company provides individual project counseling as well as seminars on �How to Buy a Business with None of Your Own Money How to Run it Like a Cash Cow��

    To fast-track your project, call us today at 813-977-7071
    to schedule a free one-hour strategic
    planning session to explore your options.

    Other sources for Business Acquisition Loan

    Board Topic: 100% Financing for Biz Acquisition I think that all of my employers would pass on a business acquisition loan with a proforma relationship businessacquisitionloan

    Financing the Business Acquisition By some estimates, the rate of rejection by banks for business acquisition loans can go higher than 80 percent. With any of the acquisition financing businessacquisitionloan

    SBA Loan – DGH Financial Services, Inc: Business Acquisition Loans A Dynamic Organization Assisting Companies Of All Sizes Expand By Securing Financing VIA The US Government’s SBA Guaranteed Loan Program. www.sba4you.com/businessacquisition.html

    Business Acquisition Business Acquisition Loans Purchasing an existing business is an excellent: The term for a business acquisition loan will vary, depending on the type of. www.aedc1.org/bzacq.html

    Acquisition Business Acquisition Loans. Please note that our minimum loan requirement is $250000. SBA loan funds can be used to purchase the assets of an existing www.sbaeloans.com/acquisit.htm

    Business Acquisition Financing Acquisition Loans Investment Banking Business Acquisition Financing Acquisition Loans by Projects Finance. We arrange aggressive business loans! We arrange business line of credit. businessacquisitionloan

    Merger and Acquisition Loans Program providing up to $100000 in equity funding for qualified start-up and expanding businesses as an interim measure until capital is acquired. www.businessplanfunding.com/term.php?id=180

    Acquisition Financing – Asset Based Lending Loans � Growth: Acquisition Financing. Our term loans and revolving lines of credit are: You have worked hard to build your business to its current level of success. www.cit.com/main/ProductsAndServices/BusinessNeed/Acquisition.htm





    Tags : , ,

    How to Finance a Business Acquisition #business #game

    #business acquisition loan

    #

    How to Finance a Business Acquisition

    Business experts often say that it costs less to buy an existing business than to build one from the ground up. If you are an entrepreneur looking into purchasing a business, there are a few items to consider when seeking financing for the acquisition that may strengthen your viability as a loan candidate and your ability to tap into a variety of potential financing sources.

    Most lenders will want to review your business plan, and you should also determine the economic status and value of the business you re considering buying. Review the financials and consider having your banker and/or trusted financial advisor also review the numbers. Ascertain the value of the business, including any equipment, real estate, inventory and other assets.

    To increase your viability as a loan candidate, convey your industry expertise and any management know-how to your potential lender. Lenders look for candidates who exhibit strong potential for success after acquiring the business. Show lenders that the transition period will run smoothly, and consider keeping existing managers on staff to help ensure an easy transition. Seasoned employees can also help you learn the inner workings of the business and help secure extended contracts with existing customers.

    When seeking financing, consider these lending sources:

    • Family, friends or angel investors. Lenders will likely expect the buyer to provide between 20 percent and 50 percent of the capital upfront. If you do not have the initial capital to invest in the business, consider borrowing from family and/or friends. Another option may be angel investors–wealthy individuals who make equity investments in businesses at the early stages. They typically have expertise in the fields of businesses in which they invest and can also offer their resources and contacts.
    • Seller financing. Consider asking the seller if he or she can provide financing for the sale of all or some of the business. In some cases, sellers may provide a very reasonable interest rate. Some seller financing can also prompt other lenders to invest in the venture.
    • U. S. Small Business Administration. Many lenders across the country offer small-business loans guaranteed by the U.S. Small Business Administration (SBA). These loans may provide more lenient and flexible financing for qualifying borrowers.
    • Financial institutions. While the industry is still in the midst of a tight credit market, the fundamentals for loan qualification remain important. They include demonstrating positive cash flow, solid management experience, industry expertise and a strong credit report. Banking relationships are also a significant part of the equation. It is important to cultivate and maintain a relationship with your banker, keeping him/her well-informed about your business experience within a particular industry. Many banks, also have special lending programs for women-, minority- and disabled-veteran-owned businesses.

    Be prepared and stay informed when seeking financing for an acquisition. It is not unusual, especially in a tight credit market, for business owners to seek a variety of lending sources.

    The foregoing article is intended to provide general information about financing an acquisition and is not considered financial advice from Union Bank. Please consult your financial advisor.





    Tags : , , , , ,

    Business Loans, Acquisition Funding, Commercial Banking – Opus Bank #business #careers

    #business acquisition loans

    #

    Business Loans

    Opus Bank’s portfolio of products, services and solutions are particularly well-suited to support small to mid-sized businesses with revenues from $5 million to $100 million and more. Opus Bank has commercial business banking resources to help your business grow and expand. We believe in building long-term business partner relationships, so you can count on us to be there as you grow.

    ​LENDING THAT MAKES SENSE

    We know every business is unique, which is why our “common sense underwriting” is designed to help you capitalize on the opportunities that make sense for your business. Our Business Bankers are experts at finding the right financing solution for your business.

    BUSINESS LOANS

    Opus Bank has an extensive array of capital financing to help you achieve your business goals and aspirations.

    • Equipment Loans – Our Equipment Loans can help you purchase equipment, vehicles, or make capital improvements.
    • Business Acquisition Term Loans – Our Business Acquisition Term Loans can be structured to provide cost-effective financing for purchasing another business.
    • Owner-Occupied Real Estate Loans – We can help with the purchase or refinancing of an existing facility, or with the construction of a new facility through our Owner-Occupied Real Estate Loans.
    • Small Business Loans – As a Small Business Administration Preferred Lender, Opus Bank can help you secure the critical funds you need.

    Financing subject to credit and collateral approval by Opus Bank





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    Financing a business acquisition with debt #business #applications

    #business acquisition loan

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    Financing a business acquisition with debt

    If you want to acquire a business but do not have the necessary funds to do so, you might want to consider raising debt against the target company to bridge the funding gap.

    This idea might seem counterintuitive at the outset, but is very similar to the process of obtaining a mortgage to purchase a house. Just as a mortgage is secured against the purchased property, acquisition debt can be secured against the underlying assets of the business.

    However, unlike a home, a business can generate positive cash flows that can be used to service interest costs and amortisation. By raising debt this way, the equity portion of a transaction can decrease to as little as 10-30%.

    Of course, raising debt carries a level of risk. If the company suffers from financial distress and is unable to meet scheduled interest payments to debtors, the company might be forced into technical default or even liquidation.

    Therefore, a transaction should be structured so that it is appropriate for the business and fits the risk appetite of the incoming owners:

    The Capital Structure

    A leveraged company acquisition (where the buyer uses debt in addition to cash to buy a business) is normally funded with a finance package comprising multiple elements of debt. The capital structure may include (in increasing order of seniority):

    • Vendor loan (also called deferred consideration) – A debt instrument issued by the seller, where a portion of the transaction value is paid to the seller over time. This is often used to bridge a valuation gap between a buyer and seller. Terms vary

    • Subordinated loan – A loan that sits behind other debt in the capital structure, meaning that interest and principal payments of other loans take priority. This form of debt is often provided by specialised subordinated lenders such as credit funds. The loan carries a higher cost of capital because of the associated risks of being junior to other debt (

    10-15% interest costs)

    • Senior term loan – A cash flow loan that is paid back over time, sometimes with a larger ‘bullet’ repayment at the end. Normally offered by commercial banks, finance companies, insurance companies, and investment funds. The cost of capital ranges between 4% and 8%

    • Asset Based loan – A revolving line of credit secured against receivables and stock. Provided by lenders that specialise in Asset Based Lending (ABL). The cost of capital is between 4% and 8%, reflecting the high level of collateral.

    Management acquisitions: MBOs, MBIs, and BIMBOs

    MBOs, MBIs and BIMBOs are business acquisitions normally funded with leveraged finance.

    Management buyout (MBO), Management buy-in (MBI), and Buy-in management buyout (BIMBO) refer to different processes where a management team acquires a significant stake in a company from the private owners. In an MBO the current management of the business buys out the owners, in an MBI a management team from outside the business takes control of the company, and a BIMBO is a combination of the two.

    Management acquisitions are appealing to management teams because of the increased potential rewards from being owners of the business rather than employees. Their potential rewards are enhanced further by the fact that the team normally have a thorough understanding of the business they want to acquire.

    Management acquisitions are also attractive to the seller. Because the management team already has full knowledge of the company available to them, certain stages of the transaction process, e.g. due diligence. can be expedited.

    Thus, in the right situation, these three types of company acquisitions can drive substantial value for the buyer as well as the seller.

    As you can see, there are many different ways to structure a debt driven company acquisition. Having an understanding of what types of finance are available to you, as well as the most appropriate capital structure gives you the tools to optimise your use of capital and maximise your chances of successfully acquiring a business.

    This article was contributed by Dan Barrett, Director of the Corporate Debt Advisory at CreditSquare. If you want to know more, don’t hesitate to contact CreditSquare. leading experts in advising, structuring and arranging credit soultions for established small and medium sized businesses.





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