About Us

Unlike loan brokers, we are choosy about our clients. We defer on financing engagements unless we believe we can succeed.

 

Although we are not able to help some applicants, we are able to provide them valuable feedback to improve their chances of success with our "Assessment". Many of our clients are referred to us by bank Special Assets Officers. Others are referred by banks who would like to retain an applicant’s depository relationship but are not attracted to the credit profile.

Who are our sources:

Mostly private niche finance companies who do not advertise on TV or in the newspapers. Many of our numerous sources have been known to us in the market for decades. In addition, we are constantly soliciting and culling new potential pockets of capital for our clients. We have over 1000 sources made up of financing companies, funds, family offices and individual investors.  Each company’s needs are unique and we choose from many financing techniques and sources to structure a solution. It’s a custom approach, not a one size fits all.   In some cases, we are also able to assist our clients improve their current borrowing terms, such as reducing the interest rate or payment amounts.  In others, we are able to obtain a bank approval when the applicant was unsuccessful.

Techniques include:  Purchase Order funding (PO Funding), lines of credit, unsecured loans, asset
based loans, factoring (recourse and non-recourse, notification and non-notification) asset based lines of credit, equipment loans, equipment sale leaseback, real estate loans, bridge loans, hard money loans, mezzanine loans, SBA loans (7(a), express, and 504).  We work with note buyers who are often willing to buy out debt with a current lender.  We also have capabilities in the private equity marketplace, for companies and real estate projects that need additional equity capital to attract debt.  Renovation & Acquisition, development and land loans are also in our wheel house

Our client applicants include:

Manufacturers, distributors, business service companies, importers and exporters with annual revenues of at least $1,000,000, and who would like to obtain more desirable terms than being provided by their current lender, or are unable to maintain or secure the capital they need at their  bank.

The types of projects we work on include:

Restructuring & Turnarounds
Mergers & Acquisitions
Acquisition, Development & Construction (& Redevelopment)
Refinancing (balloon or rate and payment improvement)

Partner Buyouts & Investor Buyouts

Growth & Expansion

Bankruptcies (Chapter 11)

 

About Our Team

Our Team List

Below is only a partial directory of our staff.

• 

  Lunelle M. Siegel, EDFP

  ( Funding Manager)

  
  
  Lunelle assesses the viability of financing for transactions and sources the placements to their most likely funding source.
  
  For over 29 years Lunelle has financed small and medium sized companies, not only at major regional commercial but also at national and boutique finance companies. She has worked in the areas of conventional cash flow lending (unsecured and mezzanine lending), SBA lending (7(a), 504 and 502), import/export finance (including EXIM Bank), factoring, asset based lending, PO funding, and real estate construction lending for commercial, investment and residential projects.
  
  Lunelle is accredited as an Economic Development Finance Professional through the National Development Council. She earned her B.S. in Finance from Florida State University. Lunelle is a tenacious advocate for small business, and creative at structuring financing for clients.
  
  She is a frequent speaker, panelist and moderator at credit markets events, professional development meetings and conferences (CPAs, Bar Associations, Turnaround, etc.). She was chosen for nomination for Business Advocate of the Year by the USF Small Business Development Center.  Lunelle is certified as an Economic Development Finance Professional and enjoys working with Economic Developers in assisting their community grow and strengthen their economy.  She consults with business owners seeking to 'up their borrowing power' or planning mergers and acquisitions.
  
  Because of her expertise, Lunelle has recently been asked to serve as an Expert in administrative law cases regarding U.S. Small Business Administration (SBA) 7(a) loans. 

  
  Lunelle is a Past Vice President of the International Turnaround Management Association (TMA), Past President of the Florida Chapter of the TMA, Founding Vice President of the Alabama Chapter of the TMA, and past Director of the Tampa Chapter of the Association for Corporate Growth (ACG). She served on the Loan Committee of a SBA 504 Certified Development Company. 

• 

  Brenna Rutland

  (Administrative Assistant)

  Brenna maintains our lender databases, constantly updating our sources and their capabilities. Her cheerful attitude keeps our lenders happy and interested in looking at our client’s projects.