Aaron Morgan helps business owners identify and locate the best loans for their businesses. We maintain regular contact with a very large network of lenders of all kinds, and stay abreast of current trends in interest rates, fees, loan structures, and loan appetite. Because we work closely with many lenders we know which lenders are good ones, which ones are offering competitive rates and terms, and which ones are most appropriate for a particular company.
Loan Types
 Bank Loans
Bank Loans, the most familiar form of debt, usually have the lowest interest rates. Many banks have a preference for loans secured by real estate or machinery and equipment and will often require personal guaranties of the owners.
Asset Based Loans
Asset Based Loans place primary reliance on the collateral and often utilize a higher advance rate than a traditional bank loan enabling you to borrow more. Asset based loans consist of revolving lines of credit or term loans secured by machinery and equipment. Interest rates and fees are normally higher than bank loans with greater reporting criteria.
SBA Loans
SBA Loans are partially guaranteed by the U.S. Small Business Administration and often provide longer repayment schedules. SBA loans are often limited in size, more expensive than bank loans, but less expensive than asset based loans.
Specialty Finance Loans
Specialty Finance Loans are tailored to specific needs or collateral and are offered by banks, asset based lenders, and specialized lenders. They usually entail higher advance rates, and higher interest rates and fees. Bankruptcy loans come in many forms and from a variety of bank and non-bank sources.
Equity Capital
Corporate strategic investors, individual buyers, and specialized investment groups are an excellent source of equity capital. Corporations often invest under the premise of buying the company at a later date. Specialized investment groups experienced with special situations such as foreign expansion, a turn around situation, or bankruptcy are also available.
Private Equity Placement
Securing private equity capital can be very difficult, but not impossible. Our database of more than 15,000 venture capital and private equity firms looking for dynamic growth companies, make private equity placements available to smaller middle market companies.
Financing Memorandum
Once Aaron Morgan determines an appropriate financial structure for your company, we assemble a Financing Memorandum. The Financing Memorandum describes key aspects of the company, provides an extensive analysis of historical and projected financial performance and helps lenders understand your company’s business.
Aaron Morgan then contacts select lenders, submitting Financing Memorandums to those expressing a strong interest in the company. Meetings, if necessary to provide lenders a chance to learn more about the business, assess the management team, and validate their assessment of the company’s ability to repay the loan are arranged.
Raising Capital
Venture Capital & Private Equity Firms
Venture capital and private equity firms provide capital to new or young companies in exchange for an equity position in the company. Most firms specialize within certain industries and only invest in companies that can achieve very high growth.
Buyout Firms
Buyout firms acquire controlling interest in mature companies to serve as a platform for acquiring other companies in the same or complimentary industries. Like venture capital and private equity firms, buyout groups invest capital to help companies accelerate sales, add new products, expand operations, or acquire other companies. All groups will require board representation and the ability to replace management in the event that the company does not perform as expected.
Financial Restructuring/Recapitalization
Businesses often restructure their loans in order to get lower payments, better interest rates, a different type of loan, or even a different lender. Businesses sometimes replace debt with equity because a bank requires it or the business is unable to make the loan payments.
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