Quick questions on Financing

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by a searcher from Brigham Young University
in Dallas, TX, USA

1yr ago

Quick questions on Financing

I'm new to the community and I have a couple of questions on financing. I'm relatively early in my self-funded search process and was wondering what the best timing is to engage with a banker about financing? Is it helpful at all to engage prior to identifying a target transaction?

Also, in comparing SBA vs. non-SBA lending, what is a typical down payment requirement for Non-SBA loans without a personal quarantee.

Thanks in advance.

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reply by a searcher 1yr ago
from Hillsdale College in New York, NY, USA

Reach out to ^redacted‌ for support. There is probably no one else who does more SBA deals, and he will be able to help you evaluate what a realistic structure is. if you've never financed a deal before then the fee someone like Matthias charges is a lot cheaper than the mistakes you'll make on your own. We're much larger and have funded 4 deals, but still intend to work with capital raisers or investment banks for all kinds of financing.

One thing I've learned is that every bank is different, and every deal has maybe one lender that will be exactly perfect, and hundreds who will be almost perfect. An experienced guide can help you find the one perfect lender.

reply by a searcher 1yr ago
from Brigham Young University in Salt Lake City, UT, USA

This is such a wide range on non PG financing. Much of it comes to your relationship with the lender or if you are raising money from investors. You'll own a lot less of the company but that can be fine if that's the goal.