Alternative Financing

Alternative
Capital Acquisition
Sources
David H. Sussman M.A.
International Association of Business Mediation
Consultants
C.E.O. at VALCOR
Since 1994 providing:
•Capital Acquisition
•Business Restructuring
•Licensee training
throughout North
America
•$1 Billion in
financing/debt portfolios
•Packages from $50,000
to over $100 Million
Host of the SMB Roundtable Radio Show
…in a financially challenging credit market
•After the 2008 credit crisis banks
have curtailed lending
•There IS slow movement in the
capital markets
•Understanding today's lending
environment
…in a financially challenging credit market
Banks
Equity Partners
Alternative
Financing
BEFORE STARTING

Know your Credit
Score
FreeCreditReport.com
(or similar services).

Challenged credit?
(Less than 700 FICO)
 A co-signer WILL be
necessary (does not have to be
a shareholder in your company.)
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The banks are not the only game in town!
Private capital, investment groups and company's
provide loan crossing different categories.
Amounts typically range from $30,000 to $100m.
Short /Long terms –(months to decades).
Some lenders/brokers require upfront costs/fees
and other charge on closings only.
In most cases, a business entity must already exist
and show at least 2 years returns.
Start-up loans are available: Good personal credit
scores, guarantors &/or personal assets required.
Grants? Simply put… No.
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Before seeking any financing – get your
documents in order:
Financiers will need to see the following:
• Financials (audited)
• Tax returns (personal/corporate)
• Appraisals (CRE)
• Cash Flow Projections
• Ability to show you can service the debt
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Accounts Receivable
Asset Based Lending
Bridge Loan
Business Lines of
Credit (BLOCs)
Business Credit Card
Contracts/Orders
Equipment Financing
Franchise Loan
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Hard Money Loan
Home Equity Loan
Leasebacks
Retail/Merchant Cash
Advance
401(k) transfers
SBA Loan
Term Loan
Working Capital Loan

iBank.com
 Multiple lenders will respond from one application
 Free to start – $39.95 a month for membership

LenderLab.com
 A paid service that provides categorized lending.

Benetrends.com & Guidant.com
 401(k) or other retirement transfers into a new business
without tax/early termination costs

Contact a proven Capital Acquisition services
company who can facilitate the loan package for you
and has direct relationships.
Whatever your dream, stay
focused on your goals and
know that you may have
several “no’s” before your
first yes.
Contact MULTIPLE lenders
for an answer
Don’t give up and
you WILL Succeed!