Why Use SEN Capital
- Growth
- Acquisition
- Restructure
If your company has hit a rough patch… is in turnaround mode… is growing faster than your cash can support… has exhausted its bank lines… or been unable to work with your existing lenders – let us help.
Even if you have a strong balance sheet and a good relationship with your bank, let us do a no-obligation review to see if we can find you a better deal.
SEN Capital has arranged debt financings for companies of all sizes, with annual sales from $3 million to $1 billion.
We’ve worked with manufacturers, wholesalers and service companies, who provide everything from sophisticated avionics or legal services to golf clubs and garden plants.
Our goal is to find you the financing you need, at the lowest cost and best terms available for your situation.
The single most important factor in this process is to match the borrower with the lender.
Today the debt marketplace is more turbulent than ever. Banks change their lending policies almost daily. Other financing sources move in and out of the market, or shift their industry focus, risk profile or responsiveness.
In today’s fast-changing environment, a borrower cannot possibly know the most appropriate – and most cost-effective – lender.
But we can. SEN Capital is in continuous contact with many financing sources, including traditional as well as innovative or unconventional lenders.
Many of our sources are money wholesalers who depend upon sophisticated financial intermediaries such as SEN Capital to bring them financing clients.
Our wide relationships and deep knowledge of the market enables us to quickly assemble a list of lenders who are realistic candidates to provide you financing, and who can act quickly enough to fit your timeframe.
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Loan Options
Franchise Financing
Opening a franchise requires business owners to invest cash upfront. Franchise fees and other costs are needed to get the operation off the ground. To help manage these costs, lenders provide franchise financing to business owners. SEN Capital has an exclusive franchise partner who specializes in using retirement funds to start a franchise.
Mezzanine Loans
Mezzanine financing secures loan options for mid-sized enterprises with the ability for debt to convert to company equity up to 100% of business assets. SEN Capital supports all types of middle market lending from $5 million and up.
Government Lending
The Small Business Administration (SBA) is a government entity that partially guarantees traditional bank loans (between 50%-85% of the loan amount) to lower lender risk and reduce interest rates on loans up to $5 million in value. These loans require a fair amount of time – and paperwork – for approval, accounting for 12% of all business loans by dollar volume.
Asset Based Lending
In service-based industries, or where key assets are leased, lines of credit and loans use Accounts Receivable as collateral in place of physical assets. Typically, the lender will agree to “buy” future accounts receivable (A/R) receipts with cash upfront at a discounted rate. The discount is based on historical receipts.
Equipment Leasing
Instead of locking up substantial capital in an equipment purchase, it may make sense to lease your equipment from the manufacturer or one of the many lenders that specialize in equipment financing.
Working Capital
A working capital loan provides small and mid-sized business owners with extra funds in order to expand or improve current business. Working capital loans can be used for advertising, paying off tax payments or to become cash flow positive by paying off existing debt. Learn more...
Commercial Mortgages
A commercial mortgage helps businesses purchase or develop commercial property.
Bridge Financing
Bridge loans are short-term cash solutions that help keep the business alive while a longer term loan option is pending.
Debt Restructuring
When financial hardship strikes, debt restructuring allows a company to reduce and renegotiate its delinquent debts in order to improve cash flow and continue its day-to-day operations.
