Bayard Business Capital and Consulting is a correspondent bank.This means that we represent over 70 private banks, investmentbanks, merchant banks, development banks, private equity firms,insurance companies, large regular depository institutions, hedgefunds and venture capital firms. In other words, this gives us manymore different loan options as we correspondent bank. We offer thefollowing different types of commercial and business loans:Commercial Real Estate LoansUSDA Business and Industrial LoansCommercial Fannie Mae LoansEquipment Financing/LeasesCommercial Freddie Mac LoansFranchise FinancingAccounts Receivable FinancingMerchants Cash Advance LoansMergers and Business SBA Loans LoansAcquisition FinancingStock LoansBridge Loans and Hard Money LoansStated Income LoansBusiness Lines of CreditSmall Business LoansConsumer FinancingPurchase Order FinancingContract FinancingDebtor in Possession FinancingJoint VenturesPrivate Equity FinancingAccounts ReceivableFinancing Term LoansAgricultural and Working Farm LoansSpecialty Type Loans:Annuity FinancingHealthcare and Medical FinancingRetirement FinancingCMBS (Commercial Mortgage Backed Securities)Commercial Loan ModificationsThere are many, many more loan types that we have access to sodon't hesitate to inquire. All of our rates are very, verycompetitive as we can match or beat most banks terms.We make loans (recourse and non-recourse) on the following types ofentities and properties:Any type of legal businessMulti-FamilyRetail, Anchored & UnanchoredOffice BuildingsOffice/RetailFlagged and Unflagged HotelsBoutique HotelsMobile Home ParksWarehouse / Flex SpaceSelf-Storage FacilitiesIndustrial PropertiesMarinasHealthcare PropertiesLandAgricultural & Working Farm LoansConstructionAcquisition & DevelopmentGOOD CREDIT OR BAD CREDITLoan Amounts from $5,000. to $100 Million+ Loan To Values up to95%.Unlike local and national banks who can call your note due at anytime and leaveyou having to raise your capital elsewhere......sometimes that isif you can. We donot adhere to those practices. Your rates will either be fixed oradjustable and willcompletely your choice. Your loan will be amortized over a certainamount of timeand some will have a balloon payment or will pay out at a fixedtime. Either way,you will know exactly what you are signing well before closing andagain......YOURLOAN WILL NOT BE CALLED BFORE MATURITY*. You loan will not becalled/due as long as you make the payments and don't becomedelinquent.*CONSULTINGThe SBA estimates there are $27MM businesses in the United States.The SBA, Department of Commerce, Federal Reserve, and Dunn &Bradstreet believe the number one cause of failure of a business islack of access to capital. In addition www.SmallBiz.com reportsthat in their system, in 2014 some 7,949 business were sold, up 6%from 2013 of which only 19% had a plan of any sort. They estimatebusinesses that did not have an exit plan probably sold for adiscount of 25% or more of their true fair market value. Only 5% ofcurrent business owner's have thought of an exit strategy andit's never to late to get those affairs in order.The Exit Planning Institute survey shows slightly over 66% of allbusiness owners do not know all their options to exit (either sellor transfer to family) their business. Some 93% of business ownersdo not have a plan for life after exiting their business. Some 80%to 90% of their net worth is tied up in their business but alsonearly 80% of business owners have not sought help or formed a teamto help them exit their business. We do team building withaccountants, attorneys, commercial bankers, wealth mangers,insurance agents, investment bankers and business brokers.BBCC Exit Planning operation is for individually or family ownedcompanies. We are a member of the Exit Planning Institute andfollow their methodology. This is a three part process of (1)helping the business seller in thinking through and establishingplans for the owners life after the exit of the business, (2)establishing the financial plan for both the business and the ownerafter exiting the business, and (3) increasing the maximum value ofthe company.The starting point is the formation of a team of professionaladvisers of wealth management, CPA's, attorneys, insurance agents,and others as needed. The team establishes a personal financialplan of what resources the owner and the family will need tosupport their life style after the exit of the business, and thenthe estimation of the net proceeds of a possible sale of thebusiness, and of any gaps between personal financial needs andestimated current company value. We estimate the net after taxvaluation and cash proceeds from a sale which is critical.Please call or email to see what type of loan we can assist youwith and also offer our consulting services for multiple loans orbuying and/or selling a business. If no answer, please leave amessage.Baxter R. HooverSenior Business Development OfficerPhone: 202-599-3859Email: [email protected]
