Capital Acquisition
Loans without the obstacles
What if you could find the best business loan out there without doing all the legwork?
Reliable Partnership | Actionable Guidance | Expedited Process
Your business funding doesn’t need to wait any longer
- Exhaustive credit analysis
- Start-to-finish support
- Reliable partnerships
Why is it so hard to get a business loan without spinning your wheels for months or accepting unfair interest rates?
- You have to put in lots of leg work
Putting together a loan package is time-consuming - Waiting for results is stressful
- Understanding what the lender is looking for is confusing
- We speak the language of lending and expedite the process
We remove the business loan pain points
At InVertex Group, we’re here to get you the financing you need to take the market by storm.
We find you a lender that’s best suited for your company, with highly competitive rates and terms along with all the functionality you need to be competitive. We streamline the application process to make it easier for both sides.
We match businesses with lenders who share similar values and believe in what you’re doing. This way, you’re starting out with a solid relationship that provides you with ongoing support and opportunity.
We believe in relationships (the kind that lasts a long time)
Your success is our success. Our fees include a nominal retainer to allow us to prepare and perform our magic along with a success fee.
We know what to look for — and how to support your growth
Our combined bank credit, lending, risk and compliance experience means we know what banks are looking for when it comes to lending. In today’s competitive loan landscape, we can assure lenders look at your company as if you had been a customer for years. We match personalities to assure a long-term healthy relationship
No one likes to create 3-5 year plans but it is essential so lenders understand you are thinking about your business and anticipating challenges. How accurate they are is less important than going through the exercise and thinking of contingencies.
We think about everything that has to do with getting a loan and what it takes to get approved. And we don’t stop there — we offer you options to help your business become stronger.
Here are a couple ways we’ve evaluated businesses and gone beyond just the numbers to help them grow:
- A trucking company was a credit risk to lenders based on their frequent replacement of trucks — that is, until we offered them a way to reduce their operational risk, spread out their financial risk and increase cash flow by spreading out their purchasing timeframe
- Concentration risk, where you have too much of your business in one market or one customer, hit a lot of companies in 2020. Our clients were prepared though, after we helped them evaluate their risk not only from a loan perspective, but also from protection in the event of a downturn or unforeseen events
FAQs
Do I need a business plan to get a loan?
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Like every good question, the answer depends on a number of factors. If you’re wanting an SBA loan from a bank, you’ll need a business plan. Other vendors, however, might not require one for approval — but they’ll likely ask you detailed questions about the whats and whys of the loan. You’ll want to be able to explain your company’s financials to a lender:
- Current debt service
- Fixed charge ratio
- Liquidity ratio
- Aging and turnover
As a general note, it’s good to put one together even if your loan doesn’t require it. A business plan clarifies your goals and helps you articulate why you need a loan and how you’re going to use the funds — even if it’s just for your own purposes.
What should I have in place before looking for a business loan?
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There is no one-size-fits-all answer to what you need to have in place. Even businesses with less than optimal circumstances can successfully apply for a business loan. However, having a good plan to deploy your capital can put you in a strong position to get the financing you need. If you can do the following, your loan package will have a better chance of standing out.
- Get your bookkeeping reports up-to-date
- Determine what business and financial metrics you need to share with lenders
- What is your free cash flow? Working capital? You should be able to leverage both
- Can you clearly explain how changes in the market, consumer behavior, and capacity will affect your business?
Why hire a consultant?
Setting up a business loan is a lot of work and there are some major strategic advantages to working with a loan intermediary.
An experienced consultant will help you explore all your options. You don’t have to go through a bank — there are other routes to funding that you can explore. When you go to one bank you limit your options to just one lender. Options are always good. Your consultant should have a robust network of connections that can lead you to your perfect match.
A consultant also acts as your advocate by helping translate your financial data into formats that work with banks and other lenders. And when you get your offers back, they’ll help translate those offers into terms that make sense, providing guidance that Google and your bank’s website can’t match.
At InVertex Group we’ve built a reputation of being the “trusted advisor to the trusted advisor.” Bring us on board and see what we can do to help you in making your business as successful as ever!
“I can’t thank them enough for all of the amazing work InVertex Group did for Tucker & Latifi, LLP during the pandemic, which included assisting us in obtaining not only a PPP Loan, but a loan from the SBA under their Economic Injury Disaster Loan program.
During this time of need and despair in the business world, they were invaluable as a consultant in guiding us through the intricacies of the loan process and being quite successful in obtaining the loans for us. Not only were they an amazing consultant to us, but their fees were extremely reasonable, and their services were worth much more than InVertex Group charged us!
In short, I don’t know how to properly thank them for “coming to our rescue” but their efficiency and professionalism far exceeds their humbleness as a consultant. I certainly invite any prospective clients of InVertex Group to contact me by phone or email so I can sing my praises to them in real-time.”
Robert L. Tucker, Esq.
Tucker & Latifi, LLP
(212) 472-6262
RTucker@TuckerLatifi.com
tuckerlatifi.com