Key Lending Factors to Consider When Structuring Your Acquisition Deal

Timing Alignment Both conventional and SBA loans can take 30 to 45 days to fund but this time clock begins after we have a complete financial package and there are a few factors that can potentially delay (but typically don’t) the process. Before scheduling a hard closing date with the seller consider checking to make […]
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AdvisorLoans provides a great SBA experience, for free

AdvisorLoans provides turnkey SBA lending support for Financial Advisors without charging you a dime for our time. We do much of the heavy lifting for you and have a network of SBA lenders with varying qualification criteria, fees, and rates.   AdvisorLoans saves advisors time, money, effort, and a lot of the headaches compared to […]
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Acquisition Loans: Dealing with the Subordination Letter

For advisory acquisition deals, the seller will in most cases be “seller financing” a portion of the deal. Historically, sellers financed most, or all of the acquisition, through a promissory note over several years. Over the last few years, there has been a growing number of lenders targeting financial practice acquisition lending. This has decreased […]
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AdvisorLoans Introduces Sellers to Pre-Qualified Buyers

While most of the financial advisors we work with are buyers seeking acquisition loans, we frequently receive calls from sellers as well. Many advisors selling their practice (or considering selling) are aware there are many more lending options for buyers than in years past and want to be informed of the current financing landscape.   […]
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6 Reasons Sellers use AdvisorLoans to Pre-qualify Buyer Candidates

Selling your practice? Use AdvisorLoans to pre-qualify your buyer candidate’s ability to pay for it.   Advisors who are considering semi or full retirement should be happy to know you are in a seller’s market. Depending on the industry source, there may be 30 to 50 buyers for every available practice for sale. Some broker-dealers […]
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Debt Service Coverage Ratio (DSCR) Key to Loan Approval

Most financial advisors’ practices are heavy on cash flow and light on collateral. Your Debt Service Coverage Ratio (DSCR) is one of the single most important underwriting criteria for business loans because it measures your practice’s cash flow ability to make the loan payments.   The DSCR is determined by dividing your annual net revenues […]
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The SBA 10-Year Structure Under the 504 program

Many advisors are already aware of the 504 program, the SBA’s core product. For advisors looking to secure owner occupied real estate and other large assets, the low downs and 20-year terms make it affordable to purchase or build property for a small business to operate in. But if you who want to get more aggressive […]
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