Acquisition Financing Services

Your engagement with RMC puts a professional acquisition lender to work on your side of the negotiating table. That has several results for our clients -- all of them favorable.

A bank's loan officer:

1) Even if experienced with SBA, may only rarely deal with business acquisitions.

Inexperienced lenders (and even some of the others) tend to "promise the moon," because, after all, they do want to win your business.

This can lead to one of the worst possible outcomes: you go 6 or 8 weeks down the path of application and credit underwriting, encouraged all the while, only to find that your application wasn't eligible in the first place, or can't win approval with ultimate decision-makers.

This costs you both time and money, and is the most common reason that business purchases fail to close, or implode altogether.

2) No matter how experienced, a loan officer does work  for the bank, not for you.

By contrast

At RMC, our primary business relationship is with the borrower.

We see our first job as determining whether a transaction is or is not feasible, and informing you right away, if it is not.

If infeasible as proposed, we identify the barriers, and outline ways to restructure the deal, or to utilize other means or timing of financing.

Reliably & quickly identifying what can't be done not only saves time and effort -- it allows you and the seller a chance at re-negotiating and submitting a finance structure that can be approved.

Our second job, if financing is feasible, is to structure a financing scenario tailored to SBA lending requirements that is also approvable by the banks.

We gather and analyze a complete loan file and finance proposal, ready for bank loan officers to present directly to their credit departments.

At this stage, we represent you in negotiation with the underwriter and credit manager, defending the structure as proposed, and limiting modifications (if any) to those which you and the seller will approve.

Next job is to win final approval, and a binding commitment letter.

We draw on extensive industry experience, detailed knowledge of individual bank's credit criteria, and professional relationships with their credit underwriters and credit managers. Our founder's credit strategy, tested over the years, has historically maintained a 90% to 95% success rate in converting loan proposals to bank commitment letters.

Finally, we guide you through the closing process, and to your final goal:
The day you walk in, with the keys to the business.