Independent advisors matching operating businesses, real estate investors, and professional practices with the right lender, the right structure, and the right timeline. Not a broker. A firm.
We match business owners and real estate investors with the financing that fits their business, their timeline, and their preferences. We're independent — not tied to any one bank or lender — so the recommendation is driven by what makes sense for the client, not by what one institution happens to offer.
Speed, cost, and complexity are trade-offs. We manage them on the client's behalf. If there isn't a fit, we say so.
No parent lender. No inventory to push. No quota on a single product. The recommendation is driven by what fits the client — not by what any one institution happens to offer.
Each with a real rate, real term, real fees, real close timeline. You pick from options with actual numbers — not a single pitch. If a path is weaker, we tell you why we kept it in.
The documentation, the narrative, the clean file a lender can say yes to. You hear from one person. You fill out one application. You don't explain the business six times to six underwriters.
$500K to $50M in revenue. Expansion, acquisition, equipment, cash flow, owner-occupied real estate. Typically have been to a bank and either been declined, offered something that doesn't fit, or quoted a timeline that doesn't work.
From single-property buy-and-hold owners to developers with 50+ units. Need speed, leverage, or a structure that conventional lenders can't or won't do. Closing deadlines measured in days, not months.
Doctors, dentists, attorneys, veterinarians, accountants. Financing practice acquisitions, owner-occupied commercial real estate, equipment, and partner buyouts. SBA 7(a) is the dominant product for sub-$5M deals.
Representative facility sizes, indicative close timelines. Final pricing depends on deal, borrower profile, and lender decision.
| Product | Facility range | Typical close | Best for |
|---|---|---|---|
| SBA 7(a) & 504Long-term owner-financing | $50K – $5.5M | 45 – 150d | Acquisitions, owner-occupied real estate, partner buyouts |
| Term LoansStructured working capital | $50K – $5M+ | 1d – 4w | Expansion, consolidating expensive debt, seasonal capital |
| Lines of CreditDraw-as-needed revolving | $10K – $5M | 7 – 14d | Flexible access, seasonality, opportunistic purchases |
| Equipment FinanceAsset-secured | $10K – $5M+ | Same-day <$250K | Fleet, medical imaging, shop equipment, IT infrastructure |
| Invoice FactoringA/R advance | $25K – $2M/mo | 3 – 14d setup | B2B firms with 30 – 90 day receivables |
| Startup CapitalEarly-stage, micro, CDFI | $1K – $250K | 2d – 12w | Pre-revenue or early-stage founders |
| Product | Facility range | Typical close | Best for |
|---|---|---|---|
| BridgeShort-term acquisition & value-add | $200K – $25M+ | 7 – 21d | Acquisition deadlines, BRRRR, maturing loans |
| Hard MoneyAsset-based, fast | $50K – $10M+ | 5 – 21d | Any investor needing speed over price |
| Fix-and-FlipAcquisition + rehab | $100K – $5M | 14 – 21d | Value-add single and small multifamily projects |
| New ConstructionGround-up and major rehab | $200K – $20M+ | 21 – 45d | Developers, builders, spec and build-to-rent |
| DSCR Rental30-year no-doc on rentals | $75K – $5M | 14 – 35d | Buy-and-hold portfolios, self-employed, foreign nationals |
| MultifamilyAgency, bank, private credit | $500K – $50M+ | 30 – 90d | Acquisitions, refi, cash-out, value-add repositioning |
| Cash-Out RefinanceEquity release | $100K – $25M+ | 7 – 50d | Investors unlocking trapped equity |
| Standard RefinanceRate-and-term replacement | $100K – $25M+ | 14 – 52d | Owners replacing existing debt with better terms |
| Product | Facility range | Typical close | Best for |
|---|---|---|---|
| SBA 7(a)Practice acquisition & partner buyout | $150K – $5M | 45 – 90d | Dental, medical, vet, legal, accounting acquisitions |
| SBA 504Owner-occupied commercial real estate | $250K – $5.5M | 60 – 150d | Practice buildings, surgical suites, chair-to-own |
| Equipment FinanceChairs, imaging, clinical tech | $10K – $2M | Same-day <$250K | Dental, veterinary, radiology, diagnostic equipment |
| Working Capital LineReceivables-backed LOC | $25K – $1M | 7 – 14d | Insurance-billing float, seasonal collections, payroll |
Five steps. You hear from one person. You fill out one application.
15 – 30 minutes. We understand the client, the situation, the timeline, and the preference set. If there isn't a fit, we say so.
Two or three viable financing paths, not one. Each with real numbers: rate, term, fees, close timeline, documentation required.
We assemble the documentation. This is where deals get delayed elsewhere; it's where we take the burden off the client.
We run the deal through the lender(s) most likely to fund it on the terms the client wants. No spray-and-pray.
We stay available for the next need. Most clients come back. We protect the relationship.
A $6M-revenue calibration firm was losing $10,000 per month to three stacked merchant cash advances.
We pulled the file. The forensic review showed that three MCAs were pulling $1,200 daily in aggregate. We packaged the deal into a single term facility: 48-month amortization, monthly payment structure, replacement of all three MCAs. One lender. Clean file. Closed in 22 days.
If it isn't here, the intake call is free and the answer is honest. Either way, you'll leave with a clearer picture.
Three things. One, we're independent — no parent lender, no inventory to push. Two, we come back with two or three real options with real numbers, not one pitch. Three, we package the deal — the documentation, the narrative, the clean file a lender needs to say yes in two weeks instead of two months. You hear from one person. You fill out one application.
Seven to twenty-one days is typical for bridge, hard-money, and fix-and-flip — assuming the file is complete and the property is straightforward. We've closed acquisition bridge loans in as few as six business days. Equipment facilities under $250K are often same-day decisions.
It depends on the product. On SBA and conventional bank facilities, broker compensation is typically paid by the lender at closing and disclosed on the commitment. On hard-money and private credit, it's sometimes paid by the client and always disclosed before the client signs anything. We do not collect upfront fees for sourcing.
That's often when we start. "The bank said no" rarely means "no capital exists" — it usually means "this structure doesn't work for this lender." We restructure the narrative, the collateral position, or the product itself, and present to the lender most likely to fund this deal. If the honest answer is that no capital exists for the situation today, we'll tell you — and write a 12-month bankability roadmap instead.
Yes, and we prefer it. Our highest-quality deal flow comes through professional advisors. Your client stays yours. We report back on progress, keep communication transparent, and introduce the work in a way that reflects well on the referral. If you'd like a Lunch & Learn at your office with the Capital Efficiency Audit template, we bring the kosher catering.
Yes. We're rooted in Great Neck — that's where the office is, where the community is, where the local referral network lives. But the lender relationships we've built fund deals nationally. Operating-business and practice work is effectively all-US. Real estate work is concentrated in the major metros and selected secondary markets.
We represent you — the borrower.
Not the lenders. Not the deal.
That is our promise to you.
Read the full declaration →Fifteen minutes on the phone. Real answer at the end of it. No commitment, no pressure, no upfront fees. If there isn't a fit, we'll say so — and tell you what would change the answer.