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Small Business Lending
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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 chairman and CEO 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.

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Tuesday
Aug252015

Leveraging the Three C’s: Credit Score, Collateral, and Cash Flow

With access to bank financing still limited for many smaller businesses, US Capital Partners offers alternative financing strategies for today’s underserved enterprises.

US Capital Partners Raising New External Debt Financing Graph

About two-thirds of smaller companies characterize the current business environment as difficult for raising new debt financing, according to a recent survey of about 3,700 business owners. About 59% of respondents indicated a need for external financing due to planned growth or expansion, 58% due to working capital fluctuations, and 53% due to increased demand already realized.

Unfortunately, the research also shows that many small business owners are tapping into their personal assets to fill financing gaps, with 36% saying they 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.

Leveraging Your Credit Score

Traditional banks rely primarily on credit worthiness to determine whether, how much, and at what cost to lend to your business. Unfortunately, the application-to-loan ratio for small businesses can be fairly low. With mounting pressure from regulators, banks have been tightening commercial lending standards once again.

Leveraging Your Collateral Assets

Many smaller businesses fall outside the parameters of traditional bank financing. Thankfully, alternative lenders like US Capital Partners can provideaccounts receivable financing, machinery and equipment loans, purchase order financing, inventory loans, and much more. This type of financing, known as asset-based lending, or ABL, is on the sharp increase.

Many small businesses don’t appreciate the sheer extent to which they can leverage their business assets to secure funding. ABL is affordable and offers flexible loan structures. Loans come with fewer financial covenants than bank loans, and close more quickly than most other financing methods. ABL lenders focus on collateral rather than credit-worthiness, and therefore offer an alternative to traditional bank financing.

Leveraging Your Cash Flow

Smaller businesses may not always have large inventories, receivables, or fixed assets, though. This can make it difficult for them to secure traditional ABL. Nonetheless, these companies oftevn have strong cash-flow margins and enterprise value. Typical examples include service companies and high-tech companies.

“Many businesses are in their early stages, and may not have many years of historical performance,” explains Jeffrey Sweeney, Chairman and CEO at US Capital Partners. “Traditional banks may therefore be hesitant to lend to them. However, US Capital Partners now offers cash-flow term loans to such businesses, even if they have less than $5 million in trailing EBITDA—which used to be the threshold for such loans. At US Capital Partners, we can help smaller businesses leverage their cash flow to get the financing they need to grow.”

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

Tuesday
Aug182015

US Capital Partners Provides Bridge Facility to $4.5 Million Term Loan for Premier Wine and Spirits Purveyor

US Capital Partners Inc. has put in place bridge financing to support the ongoing growth of one of the largest independent purchasers of wine and spirits in Southern California.

SAN FRANCISCO, AUGUST 2015 – US Capital Partners Inc. has provided a bridge loan to a $4.5 million term loan for a leading upscale wine and spirits purveyor with multiple retail locations in Southern California. US Capital Partners is a private investment bank that makes direct debt investments, participates in debt facilities, and has robust distribution for debt and equity private placements for small and medium-sized businesses across the United States and abroad.

This well-established beverage business offers fine wines, a variety of liquor and spirits, over 250 craft and imported beers, and other hard-to-find premium items from leading distilleries around the world. The company is locally owned and operated, with a tradition of upscale service and a strong focus on excellence and premium products.

“We are extremely pleased to have supported the ongoing growth of this California beverage business through well-structured and timely bridge financing,” said Jeffrey Sweeney, Chairman and CEO at US Capital Partners. “The company was seeking a $4.5 million term loan to refinance existing promissory notes and provide additional working capital. US Capital Partners provided custom-structured bridge financing for the business to this refinancing event.”

About US Capital Partners Inc.

Since 1998, US Capital Partners (www.uscapitalpartners.net) has been providing well-structured, custom financing solutions to private and public companies with $5 million to $100 million in sales. Headquartered in San Francisco, US Capital Partners is a full-service private investment bank that makes direct debt investments between $500,000 and $50 million, participates in debt facilities, and underwrites debt and equity private placements. The firm also offers financial advisory services for buy-side and sell-side engagements and for capital formation, including early-stage financings requiring equity or debt.

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

Tuesday
Aug112015

US Capital Partners Supports US Businesses in the Healthcare Industry

US Capital Partners experiences rising demand for customized and scalable alternative financing solutions from smaller enterprises serving the US healthcare industry.

Owning and operating a small or medium-sized business in the healthcare industry can be highly rewarding. Nevertheless, healthcare is also an industry that can come with larger overheads and require significantly higher levels of capital expenditure. Structuring and securing the right business financing is therefore essential.

Providing Custom Financing for Healthcare Companies

US Capital Partners’ healthcare finance team understands the industry and the challenges owners and CFOs face. The firm has deep experience in financing businesses across a wide range of healthcare sub-industries, including medical devices and equipment, pharmaceuticals, biotechnology, medical facilities and services, and drug manufacturing.

“US Capital Partners has a reputation for being an innovator in the healthcare financing space,” said Jeffrey Sweeney, Chairman and CEO at US Capital Partners. “Over the past 36 months, the firm has already provided well over $200 million in financing for small to lower middle market businesses that serve the US healthcare industry. Our finance professionals understand the challenges and opportunities in the industry, and can design a healthcare financing solution that fits the specific needs of your business.”

Example Transactions

Click on the tombstones below for further details about these selected transactions.




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

Tuesday
Aug042015

US Capital Partners Provides Follow-On Growth Financing for Canada-Based Tora Ventures

US Capital Partners Inc. has put in place a second round of financing to support the continued expansion of a Canadian distributor of residential and commercial roofing materials.

SAN FRANCISCO, August 2015 – US Capital Partners Inc. has provided a follow-on term loan for Tora Ventures, headquartered in Calgary, Alberta in Canada. US Capital Partners is a private investment bank that makes direct debt investments, participates in debt facilities, and has robust distribution for debt and equity private placements for small and medium-sized businesses in the United States and abroad.

“We are delighted with this well-structured follow-on term loan supplied for us by US Capital Partners,” said Steve Davidsen, President of Tora Ventures. “US Capital Partners first provided financing for Tora Ventures in October 2014. We have returned to US Capital Partners because of the firm’s breadth of experience in funding businesses and its ability to close for us quickly and efficiently.”

“We are extremely pleased to have provided a second round of financing for this expanding Canadian distributor of roofing materials,” said Jeffrey Sweeney, Chairman and CEO at US Capital Partners. “Tora Ventures has been expanding rapidly, and required some additional working capital and growth capital ahead of its peak summer season. The investment team at US Capital Partners was able to structure and provide an additional round of financing to support Tora Ventures’ continued expansion.”

About Tora Ventures

Tora Ventures is a growing distributor of residential and commercial roofing materials. Based in Calgary, Alberta, the company provides a wide variety of goods and materials for all aspects of residential and commercial roofing, including underlayment, waterproofing and insulation, weatherproofing, and drip edge and siding. The quality brands Tora Ventures distributes include Titanium UDL, Ventilation Maximum, RhinoRoof, Owens Corning, Resisto, Grip Rite, and GAF.

About US Capital Partners Inc.

Since 1998, US Capital Partners (www.uscapitalpartners.net) has been providing well-structured, custom financing solutions to private and public companies with $5 million to $100 million in sales. Headquartered in San Francisco, US Capital Partners is a full-service private investment bank that makes direct debt investments between $500,000 and $50 million, participates in debt facilities, and underwrites debt and equity private placements. The firm also offers financial advisory services for buy-side and sell-side engagements and for capital formation, including early-stage financings requiring equity or debt.

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

Tuesday
Jul282015

US Capital Partners Provides $750,000 Facility for Action Craft Boats

US Capital Partners Inc. has put in place custom financing to support the ongoing expansion of a Florida-based boat manufacturer.

SAN FRANCISCO, July 2015 – US Capital Partners Inc. has provided a $750,000 growth-capital term loan for Action Craft Boats (“Action Craft”), located in Cape Coral, Lee County, Florida. US Capital Partners is a private investment bank that makes direct debt investments, participates in debt facilities, and has robust distribution for debt and equity private placements for small and medium-sized businesses in the United States and abroad.

“We are delighted to have provided this $750,000 term loan for Action Craft,” said Jeffrey Sweeney, Chairman and CEO at US Capital Partners. “Action Craft was experiencing increased demand for its custom boats, and wished to increase its footprint in Florida and the Southeast. Due to some historical losses and the customized nature of Action Craft’s inventory and collateral, the company was having difficulty finding financing. Rather than approach this finance opportunity solely by evaluating long-term historical performance and collateral, as most traditional banks had done, US Capital Partners was able to leverage Action Craft’s strong recent quarters and increased

About Action Craft Boats

Based in Cape Coral, Florida, Action Craft is a manufacturer and vendor of high-quality salt- and fresh-water boats. The company began over two decades ago with the aim of building custom, durable, angler-designed skiffs of the highest quality, setting new standards for shallow water fishing boats. Action Craft currently has nine models of flats boats and three models of bay boats. In addition to building custom boats, the company also services previously sold models and sells replaceable parts.

About US Capital Partners Inc.

Since 1998, US Capital Partners (www.uscapitalpartners.net) has been providing well-structured, custom financing solutions to private and public companies with $5 million to $100 million in sales. Headquartered in San Francisco, US Capital Partners is a full-service private investment bank that makes direct debt investments between $500,000 and $50 million, participates in debt facilities, and underwrites debt and equity private placements. The firm also offers financial advisory services for buy-side and sell-side engagements and for capital formation, including early-stage financings requiring equity or debt.

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