Stephan A. Leccese

Check out the latest episode of the Construction MF'ers podcast, where our CEO and Founder, Scott Peper, breaks down the ins and outs of construction loans from a cash flow perspective. 🏗️ Scott explains in detail the different financing options like SBA loans, Merchant Cash Advances, and our very own Mobilization Funding model. He discusses how each type affects your project's cash flow and shares straightforward tips for picking the right one for your needs. This episode covers: 🔹A simple guide to construction loans and their impact on cash flow 🔹Expert advice on choosing the best financial solution 🔹Real-life examples of good and bad financial decisions in construction Tune in to gain insights on how to manage your finances effectively and kick-start your projects with confidence. 💪 🎙️To listen to the full episode, check out the links in the comments section! #cashflow #cashflowmanagement #construction #constructionindustry #businessgrowth

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When it comes to financing your business acquisition, an SBA loan could be the key to success! 🏦 After finding the right business, the next step is obtaining a business valuation from a trusted expert—like Peak Business Valuation! We partner with 100 SBA lenders as their third-party valuation firm, and are happy to connect you with the right one. Have questions about the process? We're here to help! 👉 Schedule a FREE consultation with us today at peakbizval.com! Get started on your journey to business ownership! #BusinessAcquisition #SBALoan #BusinessValuation #PeakBusinessValuation #BusinessFinance #Entrepreneurship #SmallBusiness #SBA #Financing #SBALenders #SBALender #SBAFinancing #BuyABusiness #BusinessAcquisition #BecomeABusinessOwner #SmallBusinessOwner

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🆕This week's episode of The TreppWire Podcast was recorded early, so the team used this time to provide our listeners with a breakdown of the topics the market has been focused on lately: maturities, modifications, CRE risk pricing, cap rates, and more. In our usual fashion, we also dive into the CRE property types, but today, we share delinquency, DSCR, debt yield, and other important data points to note for each sector. Tune in now 🔊https://hubs.li/Q02v8BfG0 #Trepp #TheTreppWirePodcast #TreppWire #CRE #CommercialRealEstate #CMBS #Office #Retail #Lodging #Multifamily #Issuance #Modifications #Maturities #Marketplace

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Why The SBA 7(a) Loan Program Is The Best Financing Option To Buy-Out A Partner Business succession planning is vital to the longevity of any business. This is especially true when a business is owned by two or more individuals, for seldom do business partners share the same retirement and life goals. Therefore, a business is most likely to experience an interruption or even worse, the ceasing of operations altogether, when one partner is ready to exit the business and the others are not. This matter is further complicated when the partnership also owns both the business and the real estate from which the business operates. Possible scenarios, when one partner is ready to exit and the others are not, include a private loan from the partner exiting the business to the remaining partners, an earn-out for the benefit of the partner exiting the business paid out over several years or a venture capital non-bank funding source. These funding sources are often expensive and complicated. None of these scenarios likely meet the goals of all parties involved. On the other hand, if a partner buy-out is structured correctly, the SBA 7(a) loan program is perfectly suited to meet the goals of both the partner exiting the business and the remaining partners. The partner exiting the business is able to receive full payment for their equity ownership and therefore enjoy retirement by dropping all involvement in the business. The partners remaining in the business take 100% control with no cash out of pocket as long as the business balance sheets for the most recently completed fiscal year and current quarter reflect a debt-to-worth ratio of no greater than 9:1 prior to the change in ownership. Other benefits of the SBA 7(a) loan program include: SBA loan interest rates are competitive with conventional rates SBA guarantee fees may be financed instead of paid out of pocket preserving precious operating capital The loan is amortized over a 10 year period There is no prepayment penalty There are no financial covenants or burdensome annual documentation review requirements When the real estate is owned by all partners and included in sale, there is the ability for the partners remaining in the business to combine the partner buy-out with the real estate purchase into one loan amortized over a 25 year period

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