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
Wednesday
Nov192014

US Capital Partners Provides Growth Financing Scalable to $500,000 for Canada-Based Tora Ventures

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

SAN FRANCISCO, NOVEMBER 2014 - US Capital Partners Inc. has provided a $100,000 term loan scalable to $500,000 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 arranges equity placements for small to lower middle market companies.

“We are extremely pleased to have provided a well-structured term loan scalable to $500,000 for this expanding Canadian distributor of roofing materials,” said Jeffrey Sweeney, CEO and Managing Director at US Capital Partners. “Tora Ventures was seeking working capital to sustain the growth of its two-year-old business. As an enterprise based in Canada, Tora Ventures was finding it challenging to locate sources of capital domestically. The investment team at US Capital Partners was able to structure and provide a scalable term loan for the business designed to support its 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, 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.

Thursday
Nov132014

How Asset-Based Loans Can Help Fuel Small-Business Growth

Asset-based lending has joined the mainstream as a source of financing for small to middle market enterprises. Find out why it may be the most appropriate source of financing for your business.

While credit markets have eased up, securing expansive financing still remains challenging for many smaller businesses. According to a report published by the National Small Business Association, more than a quarter of small businesses are without the capital they need. This is preventing these companies from growing their business or expanding operations (33%), financing increased sales (15%), and increasing inventory to meet demand (10%).

Unlocking the Value of Your Assets

Many smaller businesses are unaware of the sheer extent to which they can leverage their business assets and cash flow to secure funding. There is a well-developed market for providing working capital for small businesses with assets, including accounts receivable, inventory, purchase orders, real estate, machinery and equipment, and even intellectual property. This type of financing is called asset-based lending, or ABL.

Some Benefits of Asset-Based Loans

When there are opportunities for growth, unlocking the inherent value of your assets, especially intangible assets, is attractive. Today, ABL is a fundamental financing solution serving a wide range of industries and offering many advantages:

  • ABL is affordable and offers flexible loan structures.
  • Asset-based lenders focus on collateral, rather than credit-worthiness, and therefore offer an alternative to traditional bank financing.
  • Asset-based loans are priced competitively with cash-flow loans.
  • Such loans come with fewer financial covenants than bank loans.    

Asset-based loans close at least 30% faster than other financing methods.

Getting the Financing You Need

US Capital Partners has a proven and well-developed capability for providing working capital and growth capital for small to lower middle market businesses. The firm can provide financing for almost any company with assets and understands the importance of closing quickly.

“We have continued to turn to US Capital Partners to assist us in financing our working capital needs because of their breadth of experience in asset-based lending,” said Colleen Gray, CEO at Consensus Orthopedics, a leading designer and manufacturer of high-quality reconstructive total joint implants. “US Capital Partners has successfully structured and financed credit facilities on our behalf that increase our capital availability while decreasing our cost of capital.”

Tuesday
Nov042014

US Capital Partners Advises on $3.25 Million Financing of Capriati Construction Corp.

US Capital Partners Inc. provides financial advisory services to support the continued expansion of one of Southern Nevada’s leading general contractors in the construction industry.

SAN FRANCISCO, OCTOBER 2014 – US Capital Partners Inc. has advised on a $3.25 million line of credit for Capriati Construction Corp. (“Capriati Construction”), headquartered in Henderson, NV. 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 delighted to have advised on the financing of this primary general contractor specializing in heavy civil contracting,” said Jeffrey Sweeney, CEO and Managing Director at US Capital Partners. “Capriati Construction was seeking working capital and growth capital to expand its private project pipeline. With the residential real estate market continuing to improve, the firm needed additional capital to take advantage of new commercial opportunities in the sector. US Capital Partners was able to leverage the firm’s accounts receivable assets and help the business secure well-structured financing to support its growth needs.”

Capriati Construction is currently licensed to do business in the states of Nevada, California, North Dakota, Rhode Island, Arizona, South Dakota, Texas, and Colorado. It is in the process of expanding its services to other Midwestern and Western states.

About Capriati Construction Corp.

Capriati Construction is one of the most diversified general contractors in Southern Nevada with over 30 years of construction experience and a vast portfolio of successfully completed projects. The firm provides the construction industry with professional, quality services in public works and private construction projects ranging from $1 million to $70 million in value. Clients include all major state and municipal agencies in Nevada, as well as state agencies and leading private companies in Arizona, California, and North Dakota.

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
Oct142014

Sarah Tomita Joins US Capital Partners' San Francisco Investment Team 

Private investment bank US Capital Partners Inc. appoints Vice President following another year of strong business growth.

SAN FRANCISCO, OCTOBER 2014 – US Capital Partners Inc. is proud to announce the recent addition of Sarah Tomita as Vice President of Business Development at the firm’s headquarters in San Francisco. 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.

Prior to joining US Capital Partners, Ms. Tomita was a Vice President at Goldman, Sachs & Co. in New York, where she developed and managed client relationships in the Consumer/Retail and Natural Resources Investment Banking groups. In addition, she led key M&A and financing transactions, including lululemon athletica’s $377 million IPO, Dr. Pepper Snapple Group’s $10 billion demerger from Cadbury Schweppes, Univar’s minority stake sale and acquisition of Basic Chemical Solutions, and Terra-Gen Power’s $360 million debt refinancing.

“I am extremely pleased to welcome Sarah to the firm,” said Jeffrey Sweeney, CEO and Managing Director at US Capital Partners. “Sarah has 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. Sarah will be responsible for all aspects of US Capital Partners’ debt and equity business development, advisory services, and client relationship management.”

Prior to joining Goldman Sachs, Ms. Tomita spent time in the public sector, serving in the Office of Presidential Personnel at the White House, as well as in the Office of the Deputy Secretary of Labor at the U.S. Department of Labor in Washington, D.C. She received her B.A. in Political Science with distinction from Yale University.

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
Sep232014

How to Secure the Working Capital Your Business Needs to Grow

US Capital Partners continues to provide small and lower middle market companies with the working capital they need to help create and sustain business innovation and growth.

Small-business confidence has risen sharply, the National Small Business Association reported recently. As many as 72% of respondents expressed confidence about the future of their business, up from 66% six months ago; and 46% believe there will be growth opportunities for their business in the coming year.

There are many factors that lead to sustained business growth, but one requirement is undisputed: growth is impossible without adequate access to working capital, the lifeblood of any enterprise.

A Lack of Capital Is Hindering Business Growth

Unsurprisingly, more than a quarter of smaller businesses report that they are planning to raise new financing by the end of the year. Reasons for needing external financing include supporting planned future growth (52%), covering expected working capital fluctuations (50%), and meeting expected increases in demand (45%).

But for many smaller businesses, securing sufficient working capital for growth remains an ongoing challenge. According to the National Small Business Association, more than one in four small businesses are unable to get the financing they need. When these enterprises apply for business loans, they are frequently turned down.

Securing the Working Capital You Need

In many cases, loan applicants are successful businesses that for one reason or other fall outside the standard parameters for traditional bank financing. Often, they approach the wrong type of lender or fail to present their application in the best way from a lender’s perspective. Some smaller businesses choose not to raise financing at all simply because they believe they will be rejected, because of a lack of expertise, or because of a shortage of time.

US Capital Partners is at the cutting-edge of small and lower middle market business financing. The firm offers highly competitive asset-based loans, cash-flow loans, bridge financing, and growth capital loans. “We approached US Capital Partners for a working capital line of credit to support our ongoing growth,” said Lowell Giffhorn, CFO at Imagenetix, a California-based public company traded on NASDAQ. “US Capital Partners has successfully structured and provided financing for us that maximizes our borrowing eligibility. We are very pleased with the result and process.”

If you would like to know 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.