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Success Fee Explained
If your ‘Funding Broker’ does NOT request a Success agreement- get ready for high cost short term Capital.
Many of the clients that we speak to have at one time or another- utilized short-term capital infusions for their business cash flow cycle. These ‘instruments’ typically close in 3 business days or less and come at a very high cost of capital (usually a factor rate- not an APR- or annual percentage rate). When ‘Funding Brokers’ recommend these ‘Funds’- they RARELY ask for a separate fee agreement because their earnings on these transactions are typically 8-15% of the total amount funded.
When your Fundvisor requests that you sign a document that states we will charge your business IF YOU ACCEPT THE CAPITAL WE HAVE ARRANGED- AND HAVE RECEIVED THE FUNDS, we do so because we are working with Banks, Asset Based Lenders, Hedge Funds, and other legitimate Credit providers that may or may not compensate Fundvisor for referring closed transactions. This is the main reason many Brokers do NOT recommend real loans or ask for a Success agreement.
Since your consultant is:
- Packaging your file- highlighting your Businesses strengths etc.
- Doing a soft credit pull to determine lender eligibility
- Doing a DSCR analysis on business and guarantor (global)
- Conferencing with Partner Lenders prior to submission gauging interest
- Assisting with credit and prior tax challenges if/when applicable
- Structuring acceptable ‘use of funds’ within respective lenders guidelines
- At all times seeking the BEST COST OF CAPITAL AVAILABLE- and the best long-term path for your Businesses success
Accordingly, we request to be compensated for our time and role in the process- only if you accept what we arrange. If we were endeavoring to secure high interest short term debt, we would not be requesting said agreement to be in place.
IF/WHEN one of our Consultants requests that your firm sign a success fee agreement we are doing so for your benefit. Since the document plainly states that we will not charge you UNLESS YOU ACCEPT WHAT WE PRESENT YOUR FIRM- AND WE CONFIRM YOU RECEIVE FUNDS, our interests are truly aligned with yours. If we do our job and satisfy your needs- we will be commensurately compensated for a job well done.
Helpful Tips & Information
The Pros and Cons of SBA Loans
Are you eligible for a better rate? Loan TypeTerm LoansSBA LendingLine Of CreditAsset Based LendingCommercial Real State MortgagesEquipment FinanceHedge Fund CapitalRoyalty Capital FundingSaas CapitalYearly RevenueUnder $100,000$100,000 - $250,000$250,000 - $500,000$500,000 - $750,000$750,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $3,000,000$900,000 And Above$3,000,000 And AboveTime in Business2 or more years1-2 years6 months - 1 yearStarting a businessCredit ScoreExcellent (720+)Good (680-719)Fair (640-679)Poor (639 or less) First NameLast NameEmail The Pros and Cons of SBA LoansSmall Business Administration (SBA loans) are loans backed by the Small Business Administration. The SBA doesn’t lend the money; banks and other lenders do that. The SBA simply guarantees a large portion of each loan to reduce the lender’s risk. Types of SBA Loans There are several SBA loan types. SBA 7(a): The main type of SBA loan. You can borrow up to $5 million in 7(a) loans. SBA Express: A smaller 7(a) loan with a faster approval process. SBA 504: Designed for acquiring fixed assets. CAPLines: An SBA line of credit. There are several types of CAPLines, each for a different purpose. Export Working Capital: Used to fund operations related to export sales. Export Express: A faster turnaround version of the Export Working Capital loan. Microloans: Small loans designed [...]
The Pros and Cons of Term Loans
Are you eligible for a better rate? Loan TypeTerm LoansSBA LendingLine Of CreditAsset Based LendingCommercial Real State MortgagesEquipment FinanceHedge Fund CapitalRoyalty Capital FundingSaas CapitalYearly RevenueUnder $100,000$100,000 - $250,000$250,000 - $500,000$500,000 - $750,000$750,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $3,000,000$900,000 And Above$3,000,000 And AboveTime in Business2 or more years1-2 years6 months - 1 yearStarting a businessCredit ScoreExcellent (720+)Good (680-719)Fair (640-679)Poor (639 or less) First NameLast NameEmail The Pros and Cons of Term LoansTerm loans are much like a personal loan. You take out a fixed sum of money at a specified interest rate — either fixed or variable — and then repay the loan amount in monthly installments. Many businesses can make great use of term loans, but they certainly aren’t for everyone. Our goal at Fundvisor is to ensure you get the best funding vehicle for your business. Of course, you’re likely too busy running your business to spend hours researching term loan details and jargon. To that end, we’ve compiled a list of the pros and cons of term loans. If you feel that a term loan could be right for you, please reach out to us. The Pros of Term Loans Large Amounts Available Term loans have long repayment [...]
The Pros and Cons of Lines of Credit
Are you eligible for a better rate? Loan TypeTerm LoansSBA LendingLine Of CreditAsset Based LendingCommercial Real State MortgagesEquipment FinanceHedge Fund CapitalRoyalty Capital FundingSaas CapitalYearly RevenueUnder $100,000$100,000 - $250,000$250,000 - $500,000$500,000 - $750,000$750,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $3,000,000$900,000 And Above$3,000,000 And AboveTime in Business2 or more years1-2 years6 months - 1 yearStarting a businessCredit ScoreExcellent (720+)Good (680-719)Fair (640-679)Poor (639 or less) First NameLast NameEmail The Pros and Cons of Lines of CreditSometimes, your business is short on cash right when you need it most. It might be that a supplier is selling inventory at a discount, and you want to take advantage. Perhaps you have a potentially lucrative project sitting in front of you. Or maybe you need emergency cash to repair or replace old equipment. A business line of credit is an excellent solution for any of these situations. They work like credit cards. You can borrow up to a specified limit whenever you want. You then must make at least the defined minimum payment each month — although you should strive to pay it off in full to avoid interest. At Fundvisor, we’ve helped many small business secure lines of credit that have helped them grow. However, we [...]
The Pros and Cons of Commercial Real Estate Mortgages
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The Pros and Cons of Equipment Financing
Are you eligible for a better rate? Loan TypeTerm LoansSBA LendingLine Of CreditAsset Based LendingCommercial Real State MortgagesEquipment FinanceHedge Fund CapitalRoyalty Capital FundingSaas CapitalYearly RevenueUnder $100,000$100,000 - $250,000$250,000 - $500,000$500,000 - $750,000$750,000 - $1,000,000$1,000,000 - $2,000,000$2,000,000 - $3,000,000$900,000 And Above$3,000,000 And AboveTime in Business2 or more years1-2 years6 months - 1 yearStarting a businessCredit ScoreExcellent (720+)Good (680-719)Fair (640-679)Poor (639 or less) First NameLast NameEmail The Pros and Cons of Equipment FinancingEvery business needs equipment to operate, let alone grow. Copiers, computers, desks, machinery, trucks, and appliances are just a few examples across many industries. As a small business, however, saving enough cash to buy or repair equipment outright can take years. That’s years of foregone growth. Expensive short-term debt isn’t your only answer, though. Equipment financing offers you an affordable way to purchase, repair, upgrade, or refinance your business’s equipment. At Fundvisor, we examine your balance sheet and recommend equipment financing based on your situation. Before we work together, we urge you to read about the benefits and drawbacks of equipment financing so you can be an informed borrower. Contact us if you think equipment financing is right for you. The Pros of Equipment Financing Predictable Payments Like many loans, [...]
The Pros and Cons of Hedge Fund Capital
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The Pros and Cons of SaaS Capital
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