Practice 02
Capital
Financing for acquisitions, real estate, and growth. We structure the request, prepare the package, and take it to the lenders and capital partners suited to the deal.
Overview
The right capital is usually a combination: senior debt, seller financing, and equity from the buyers or outside investors. Each source has its own requirements, and the order in which you approach them matters.
Our background is in lending. We prepare a request the way a credit officer reads one, which saves time on both sides of the table.
What the work covers
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Acquisition financing
Bank and SBA-backed loans, seller notes, and buyer equity, combined into a structure that closes.
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Commercial real estate loans
Purchase and refinance financing for owner-occupied and investment property.
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Working capital
Lines of credit and seasonal facilities for businesses whose cash needs rise and fall through the year.
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Private capital
Introductions to private lenders and investors where a deal does not fit a bank, prepared in coordination with your counsel.
Who we work with
- Buyers financing an acquisition
- Owners refinancing or recapitalizing a company
- Real estate investors and owner-occupiers
Process
How an engagement runs
- 01
Review
We look at the deal, the borrower, and the collateral the way a credit committee will.
- 02
Structure
We propose a capital structure and identify the sources best suited to it.
- 03
Package
A financing package with a clear summary, the financial history, projections, and collateral detail.
- 04
Close
We manage lender questions, term sheets, and conditions through funding.
Common questions
What does a lender need to see?
Typically several years of business tax returns and financial statements, a current interim statement, a schedule of existing debt, personal financial statements for any guarantors, and a clear account of how the loan will be repaid. For an acquisition, add the letter of intent or purchase agreement and a plan for the business after closing.
How does seller financing work?
The seller accepts part of the price as a note, paid over time after closing. It reduces the cash a buyer needs at closing, and lenders often view it favorably because it keeps the seller invested in a good transition.
Do you work with private investors?
Yes, where a deal calls for it. Any offering to investors is structured and documented with securities counsel.
Talk it through, in confidence.
Tell us briefly what you are working on. A principal reads every inquiry and replies personally.