Search

Featured Small Business Lending Article

Small Business Lending
ABOUT

Jeffrey Sweeney is an investment banker with years of experience in direct lending and corporate finance for small- to middle-market companies. He is the CEO and Managing Director of US Capital Partners, an innovator in small- to middle-market business lending. US Capital Partners has been providing prompt, innovative, and reliable financing solutions across the United States and abroad for more than a decade.

Subscribe to Blog
Navigation
Tuesday
Jul222014

US Capital Partners Expands Its New York and San Francisco Investment Teams

US Capital Partners, LLC welcomes Alfred Ritter and Renee Volaric as Vice Presidents, following sixth consecutive year of business growth.

SAN FRANCISCO, JULY 2014 – US Capital Partners, LLC, a leading private investment bank for small to lower middle market businesses, is proud to announce the recent addition of two new bankers to its team. J. Alfred Ritter and Renee A. Volaric have joined US Capital Partners following another year of increased demand from small and lower middle market businesses for US Capital Partners’ innovative and customized debt and equity financing solutions.

US Capital Partners J.Alfred Ritter

Alfred Ritter (Vice President), based in San Francisco, will be responsible at US Capital Partners for all aspects of the firm’s debt and equity business development, advisory services, client negotiations, and relationship management.

Prior to joining US Capital Partners, Mr. Ritter was a Managing Director at Columbia Capital Advisors, Inc. and at Columbia Capital Securities, Inc. He also served as a Managing Director at Angeles Capital Group, LLC, where he was an investment banker providing strategic advisory services, private placements, and M&A advisory services. Prior to this, Mr. Ritter held senior executive, business development, and financial analyst positions with firms in the specialty retail, media and entertainment, and manufacturing and logistics industries.

US Capital Partners at CFA conference

Renee Volaric (Vice President), based in New York City, shares similar responsibilities at US Capital Partners to Mr. Ritter. She brings over 17 years of experience in the financial services arena to US Capital Partners, having previously held senior positions at several leading investment firms.

Prior to joining US Capital Partners, Ms. Volaric served as a Director at RB Milestone Group and also at Ernst Capital Partners, where she was responsible for assisting foreign public companies within the natural resources and alternative energy sectors in achieving an active US Exchange listing. Before her appointment at Ernst Capital Partners, Ms. Volaric worked as Director of Institutional Sales at Lord Abbett & Co. and was Marketing Manager at Dalton, Greiner, Hartman & Maher.

About US Capital Partners, LLC

Since 1998, US Capital Partners (www.uscapitalpartners.net) has been providing prompt, innovative, and reliable financing solutions including lending, equity financing, and debt re-structuring to businesses across the United States and abroad. US Capital Partners is a private investment bank, direct lender, co-lender, and lead financial arranger that specializes in asset-based debt for small to middle market private and public companies. The company’s innovative approach allows it to provide the best financing available, not only for companies in excellent financial condition, but also for companies that may have been refused credit by traditional lenders.

To learn more about how your business can secure the funding it needs, email Jeffrey Sweeney, CEO and Managing Director, at jsweeney@uscapitalpartners.net or call (415) 889-1010.

Tuesday
Jul152014

US Capital Partners Provides Scalable $1 Million SBA Facility for Jersey Mike’s Subs Franchise

US Capital Partners, LLC has put in place small-business financing to support a Florida-based franchisee of one of the top five fastest-growing restaurant chains in the United States.

SAN FRANCISCO, JULY 2014 – US Capital Partners, LLC has provided a scalable $1 million facility backed by the US Small Business Administration (“SBA”) for a new franchise location of Jersey Mike’s Subs, an expanding restaurant chain with 1,300 locations open and under development nationwide. US Capital Partners is a private investment bank that makes direct debt investments, participates in debt facilities, and arranges equity placements for small to lower middle market companies.

“We are very pleased to have provided SBA-guaranteed financing to support the ongoing expansion of the Jersey Mike’s Subs franchise,” said Jeffrey Sweeney, CEO and Managing Director at US Capital Partners. “The new debt financing will provide leverage to help a Florida franchisee open an additional franchise location. Despite the small size of the business, US Capital Partners was able to put in place a $1 million scalable SBA facility for the company after analyzing its cash flows, examining the principals’ individual financial statements, and evaluating the growth projections of the new location.”

About Jersey Mike’s Subs

Jersey Mike’s Subs, known for its fresh sliced/fresh grilled subs, is a nationwide restaurant chain headquartered in Manasquan, New Jersey. Started in 1956, Jersey Mike’s now has 1,300 locations open and under development nationwide. In just three years, the company has nearly doubled in size. A 2014 Technomic report ranked Jersey Mike’s in the top five fastest-growing restaurant chains with sales above $200 million.

About US Capital Partners, LLC

Since 1998, US Capital Partners (www.uscapitalpartners.net) has been providing prompt, innovative, and reliable financing solutions including lending, equity financing, and debt re-structuring to businesses across the United States and abroad. US Capital Partners is a private investment bank, direct lender, co-lender, and lead financial arranger that specializes in asset-based debt for small to middle market private and public companies. The company’s innovative approach allows it to provide the best financing available, not only for companies in excellent financial condition, but also for companies that may have been refused credit by traditional lenders.

To learn more about how your business can secure the funding it needs, email Jeffrey Sweeney, CEO and Managing Director, at jsweeney@uscapitalpartners.net or call (415) 889-1010.

Tuesday
Jul082014

US Capital Partners Provides Over $150 Million in Financings to Small and Lower Middle Market Businesses in the United States

Private investment bank offers strong lending support to underserved businesses across the United States in the first half of 2014.

SAN FRANCISCO, JULY 2014 – US Capital Partners, LLC announced today that it has provided over $150 million in new financings to small and lower middle market businesses in the United States in the first and second quarters of 2014. US Capital Partners is a private investment bank that makes direct debt investments, participates in debt facilities, and arranges equity placements for small to lower middle market companies.

“Since 1998, US Capital Partners has been providing prompt, innovative, and reliable financing for businesses with annual sales of $1 million to $100 million,” said Jeffrey Sweeney, CEO and Managing Director at US Capital Partners. “These companies have historically been underserved by traditional lending sources. Our loans typically range from $500,000 to $30 million. Over $300 million of new financings are planned for this year.”

 
 
 

To learn more about how your business can secure the funding it needs, email Jeffrey Sweeney, CEO and Managing Director, at jsweeney@uscapitalpartners.net or call (415) 889-1010.

Tuesday
Jul082014

US Capital Partners Provides Over $150 Million in Financings to Small and Lower Middle Market Businesses in the United States

Private investment bank offers strong lending support to underserved businesses across the United States in the first half of 2014. 

SAN FRANCISCO, JULY 2014 – US Capital Partners, LLC announced today that it has provided over $150 million in new financings to small and lower middle market businesses in the United States in the first and second quarters of 2014. US Capital Partners is a private investment bank that makes direct debt investments, participates in debt facilities, and arranges equity placements for small to lower middle market companies.

“Since 1998, US Capital Partners has been providing prompt, innovative, and reliable financing for businesses with annual sales of $1 million to $100 million,” said Jeffrey Sweeney, CEO and Managing Director at US Capital Partners. “These companies have historically been underserved by traditional lending sources. Our loans typically range from $500,000 to $30 million. Over $300 million of new financings are planned for this year.”

A Few Recent Transactions

Australian Digital Media Company | $2.5 Million, Refinancing

Completed Transactions

Completed Transactions

If you would like to know more about how your business can secure the financing it needs, email Jeffrey Sweeney, CEO and Managing Director, at jsweeney@uscapitalpartners.net or call (415) 889-1010. 

Follow us on Twitter   Connect with Us on LinkedIn   Like us on Facebook   US Capital Blog

 

Tuesday
Jul012014

Financing Your Business Without Tapping Home Equity

How to secure optimal financing for your small to lower middle market enterprise without betting your home or other personal assets on your business.

According to the latest quarterly survey conducted by Pepperdine University, two-thirds of smaller companies characterize the current business environment as difficult for raising new business financing. Many small-business owners have been tapping into their personal assets, including home equity, to fill financing gaps.

When business financing is difficult to secure, tapping home equity can be tempting for small-business owners. As many as 38% reported having transferred personal assets to their business over the last three months. Often, this occurs after business owners are turned down by traditional lenders and don’t know where to turn.

Why Some Business Owners Bet the Home

Tapping home equity can be tempting. Reasons vary, but can include the following:      Loans against home equity are easier to find than traditional small-business loans

  • The home may be the small-business owner’s largest asset
  • Such loans come at lower interest rates than most alternatives
  • They can allow a business owner to avoid giving equity to investors
  • The Small Business Administration’s 7(a) loan program generally requires it

Current Challenges

The difficulty today, of course, is that home values are still depressed, despite the gradual recovery of the housing market. As Forbes reported last year, some communities such as Las Vegas, Atlanta, Phoenix, and much of Florida saw prices drop more than in half. In many places, home values are still down 25–40% from peak prices. As a result, fewer owners have the home equity option. Tapping home equity can also be especially uncomfortable for the spouses and families of business owners.

Securing the Financing Your Business Needs

Despite the ongoing challenges many smaller businesses face in securing traditional bank lending, there are actually a wide range of financing options for such companies. For instance, many small businesses don’t appreciate the sheer extent to which they can leverage their business tangible and intangible assets to secure funding. Tapping your home equity should really be only a last resort.

Smaller businesses are frequently locked into an inappropriate financial structure. By examining every aspect of a business, US Capital Partners is able to offer management a choice of the best available pathways to optimal financing. As a direct lender, arranger, and co-lender, US Capital Partners has full flexibility to engineer optimal financing solutions for all its clients

To learn more about how your business can secure the funding it needs, email Jeffrey Sweeney, CEO and Managing Director, at jsweeney@uscapitalpartners.net or call
(415) 889-1010.