Sample Opportunities

Do These Small Business Financing Scenarios Sound Familiar?

Timely financing is often a key driver of a transaction’s success. An IntraFi Local Credit loan can help support a wide range of potential financing needs, including business acquisitions, partner buyouts, growth opportunities, and refinancings.

Acquisitions/Partner Buyouts: IT & Telephony Services Firm

  • Successful regional systems integrator; large, low-churn base of small- and medium-size clients.
  • Owned by two partners—both have most of their personal wealth invested in their business.
  • One partner seeking to buy out the other with significant goodwill in the transaction.
  • Similar situations: ESOPs, professional practice transitions.

Refinancing: Steel Products Manufacturer

  • Three industry veterans bought firm from retiring owner; unable to finance full purchase price.
  • Firm secured private equity funding and owner accepted seller note (with continued salary).
  • Seeking to redeem private equity investment/seller note and strengthen post-buyout liquidity.
  • Similar situations: owner dividends, share repurchases.

Growth Opportunities: Physical Therapy Chain

  • Owners have developed business for buying solo practitioner offices and upgrading them.
  • No hard assets other than leased tables; expansion limited by earnings and personal wealth.
  • Similar situations: opening new locations, servicing new contracts, add-on acquisitions.

Ineligible Collateral: Diagnostics Company

  • Company owns and customizes laboratory equipment to provide differentiated testing services.
  • Customization limits equipment resale value, resulting in a large collateral haircut.
  • Seeking capital to acquire additional equipment supporting new accounts.
  • Similar situations: specialized equipment, depreciated assets, work-in-process inventory

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