Of the five primary lending criteria (capital, cash flow, character, collateral & conditions) that a bank will use to decide to approve a loan, the most important is "character."

What are the most common responses given by business owners when asked about their company's needs?

Response: More sales, more cash, and more time.

We address the need for increased sales (Marketing Plan) and more time under our Business Advisory service. Click Following are several methods we use to address the issue of cash need or funding.

SBA Financing
The SBA guarantees up to 75% of the bank's loan. The bank will then ask the borrower to guaranty (collateralize) a portion of the loan as well. Often, an SBA loan application process is long and tedious to effort. We offer a faster alternative. Our banking contacts have the ability to shorten the processing time considerably, thus enabling a motivated buyer and an anxious seller to complete an asset sale transaction in 90 days or less.

FIRST
TouchStone has established a close working relationship with various commercial lenders who carry a perferred status with the SBA.

SECOND
We have established affiliations with other potential funding sources and in the equity market place.

FINALLY
Executive Associates of The Institute for Independent Business also have numerous contacts in the area of funding. The Institute's mass e-mail facility provides us with instant access to over 4,000 associates globally.

No Cost, No Obligation Consultation
Kindly contact us to schedule a free consultation to explore your funding options. Click

A TouchStone Nugget on this topic is available in PDF format.

Funding & Financial Management