Types of Financing

Funding comes in many forms and in many shapes and sizes.  The type of funding best suited for you depends on the type of business you are in, the stage of growth of your business, the financial strength of your business and on your plans for the future.  Depending on the circumstances, we can provide funding directly, through a strategic partner or help you manage and maximize your relationship with more traditional sources of financing such as banks.  We advise prospects up front that if their bank will provide them with all the financing they need to grow their business, they do not need us.  In our experience, this is rare. 

Bank Loans

Bankers are in business to lend money.  A bank’s primary role in the lending arena is funding growth—for example, financing the expansion of a small business that has a track record.  Most banks can offer a wide variety of creative loan packages designed to help finance existing businesses.  Financing from a bank is the cheapest form of borrowing.  Most banks don’t make start-up loans to small-business owners unless an owner’s collateral covers 100% of the loan.   Examples of such collateral include real estate, savings accounts and stocks and bonds.  If the bank will lend you all the money you need to grow your business, then stay with them.  We can help you manage this relationship and maximize your benefits. 

Alternative Financing

Alternative financing is becoming more and more popular as more traditional sources of financing are drying up.  The number of alternative financing options seems to be growing exponentially every year.  The following financing options are offered by us and our strategic partners, and will help you, the entrepreneur, to fund sales, purchases and other assets.


What Is Available?

Non-bank debt financing comes in many forms and from many different sources, both private and institutional. 

How Do I Access This Debt Financing?

We have strategic relationships with a variety of non-bank lenders and can match your requirements with the appropriate lender.   


Equity is the money that is put into your business in exchange for shares.  Unlike other forms of financing, it is usually permanent and tends to be the most expensive form of financing.  If a third party acquires a 25% equity interest in your business, they will be entitled to 25% of the future earnings and growth in your business for as long as it is in existence.

Life Insurance

There is perhaps no industry that is more innovative in developing solutions for small and medium enterprises than the life insurance industry.

How Can Life Insurance Help?

The following benefits can be derived from life insurance products and structures;

  • Key-man Insurance
  • Split-Dollar Insurance
  • Funding Buy-Sell Agreements
  • Distributing Earnings free of Personal tax