Independent advisors for business owners, real estate investors, and practice owners. We source the funder, structure the deal, and negotiate the rate and terms on your behalf — so you sign an offer you actually want to sign.
We work your side of the table. Business owners, real estate investors, and practice owners — we source the funder, structure the deal, and negotiate the rate and terms. Independent by design: no parent funder, no inventory to push.
Speed, cost, and complexity are trade-offs. We manage them on your behalf. Wherever you're starting from, there's a path forward — our job is to find it.
No parent funder. No inventory to push. No quota on a single product. The recommendation is driven by what fits the client — not by what any one institution happens to offer.
Each with a real rate, real term, real fees, real close timeline. You pick from options with actual numbers — not a single pitch. If a path is weaker, we tell you why we kept it in.
The paperwork, the story, the clean and complete package a funder can say yes to. You hear from one person. You fill out one application. You don't explain your business six times to six different funders.
$500K to $50M in revenue. Expansion, acquisition, equipment, cash flow, owner-occupied real estate. Typically have been to a bank and either been declined, offered something that doesn't fit, or quoted a timeline that doesn't work.
From single-property buy-and-hold owners to developers with 50+ units. Need speed, more borrowing power, or a deal shape conventional funders can't or won't do. Closing deadlines measured in days, not months.
Doctors, dentists, attorneys, veterinarians, accountants. Financing practice acquisitions, owner-occupied commercial real estate, equipment, and partner buyouts. SBA 7(a) is the dominant product for sub-$5M deals.
Representative facility sizes, indicative close timelines. Final pricing depends on deal, merchant profile, and funder decision.
| Product | Loan sizes | Typical close | Best for |
|---|---|---|---|
| SBA 7(a) & 504Government-backed — the lowest rates and longest terms most businesses can get | $50K – $5.5M | 45 – 150d | Acquisitions, owner-occupied real estate, partner buyouts |
| Term LoansOne lump sum, one predictable monthly payment | $50K – $5M+ | 1d – 4w | Expansion, consolidating expensive debt, seasonal capital |
| Lines of CreditBorrow only when you need it, pay interest only on what you use | $10K – $5M | 7 – 14d | Flexible access, seasonality, opportunistic purchases, payroll bridges |
| Equipment FinanceThe equipment itself secures the loan | $10K – $5M+ | Same-day <$250K | Fleet, medical imaging, shop equipment, IT infrastructure |
| Invoice FactoringTurn unpaid customer invoices into cash now | $25K – $2M/mo | 3 – 14d setup | B2B firms with 30 – 90 day receivables; payroll from pending A/R |
| Revenue-Based FinancingAn advance repaid as a small share of daily sales — the fastest option | $10K – $2M | Same day | Time-critical capital priced on your deposits, not your score — priced honestly, used when it truly fits |
| Startup CapitalFor businesses too new for a bank | $1K – $250K | 2d – 12w | Pre-revenue or early-stage founders |
| Product | Loan sizes | Typical close | Best for |
|---|---|---|---|
| BridgeShort-term money to close fast, refinanced later | $200K – $25M+ | 7 – 21d | Acquisition deadlines, BRRRR, maturing loans |
| Hard MoneyPriced on the property, not your paperwork — fast | $50K – $10M+ | 5 – 21d | Any investor needing speed over price |
| Fix-and-FlipPurchase plus renovation budget in one loan | $100K – $5M | 14 – 21d | Value-add single and small multifamily projects |
| New ConstructionGround-up builds and major renovations | $200K – $20M+ | 21 – 45d | Developers, builders, spec and build-to-rent |
| DSCR RentalQualifies on the rent the property earns — not your tax returns | $75K – $5M | 14 – 35d | Buy-and-hold portfolios, self-employed, foreign nationals |
| MultifamilyApartment buildings, five units and up | $500K – $50M+ | 30 – 90d | Acquisitions, refi, cash-out, value-add repositioning |
| Cash-Out RefinancePull cash out of a property you already own | $100K – $25M+ | 7 – 50d | Investors unlocking trapped equity |
| Standard RefinanceReplace an expensive loan with a cheaper one | $100K – $25M+ | 14 – 52d | Owners replacing existing debt with better terms |
| Product | Loan sizes | Typical close | Best for |
|---|---|---|---|
| SBA 7(a)Buy a practice or buy out a partner | $150K – $5M | 45 – 90d | Dental, medical, vet, legal, accounting acquisitions |
| SBA 504Buy the building your practice operates in | $250K – $5.5M | 60 – 150d | Practice buildings, surgical suites, chair-to-own |
| Equipment FinanceChairs, imaging, clinical tech | $10K – $2M | Same-day <$250K | Dental, veterinary, radiology, diagnostic equipment |
| Working Capital LineA credit line backed by your insurance receivables | $25K – $1M | 7 – 14d | Insurance-billing float, seasonal collections, payroll |
Pick up the phone. Fifteen minutes. We'll walk the options, name the numbers, and tell you what fits — and what doesn't.
No pitch. We work your side of the table — and you leave with a path forward.
Five steps. You hear from one person. You fill out one application.
15 – 30 minutes. We understand the client, the situation, the timeline, and what you'd prefer — speed, cost, or flexibility. Whatever your situation looks like, we map the path forward.
Two or three viable financing paths, not one. Each with real numbers: rate, term, fees, close timeline, documentation required.
We assemble the documentation. This is where deals get delayed elsewhere; it's where we take the burden off the client.
We run the deal through the funder(s) most likely to fund it on the terms the client wants. No spray-and-pray.
We stay available for the next need. Most clients come back. We protect the relationship.
A $6M-revenue calibration firm had outgrown three stacked merchant cash advances.
We went through everything — statements, balances, the daily payments. The advances had done their job — fast capital when speed mattered — but a stabilized business paying $1,200 daily in aggregate had earned a longer structure. We packaged the deal into a single term facility: 48-month amortization, monthly payment structure, retiring all three advances at par. One funder. Clean file. Closed in 22 days.
If it isn't here, the intake call is free and the answer is honest. Either way, you'll leave with a clearer picture.
Three things. One, we're independent — no parent funder, no inventory to push. Two, we come back with two or three real options with real numbers, not one pitch. Three, we package the deal — the documentation, the narrative, the clean, complete package a funder needs to say yes in two weeks instead of two months. You hear from one person. You fill out one application.
Seven to twenty-one days is typical for bridge, hard-money, and fix-and-flip — assuming the paperwork is complete and the property is straightforward. We've closed acquisition bridge loans in as few as six business days. Equipment facilities under $250K are often same-day decisions, and revenue-based financing can put funds in the account the same day.
On most deals, the funder pays us at closing — you never write us a check. On some hard-money and private-credit deals the client pays the fee instead; when that's the case, we tell you in writing before you sign anything. We never charge upfront fees.
That's often when we start. "The bank said no" rarely means "no capital exists" — it usually means "this structure doesn't work for this funder." We rework how the deal is presented, how it's secured, or which type of loan it is — then take it to the funder most likely to fund this deal. If the honest answer is that no capital exists for the situation today, we'll tell you — and give you a 12-month plan to get there instead.
Yes, and we prefer it. Our highest-quality deal flow comes through professional advisors. Your client stays yours. We report back on progress, keep communication transparent, and introduce the work in a way that reflects well on the referral. If you'd like a Lunch & Learn at your office with the Capital Efficiency Audit template, we bring the kosher catering.
Yes. We're rooted in Great Neck — that's where the office is, where the community is, where the local referral network lives. But the funder relationships we've built fund deals nationally. Operating-business and practice work is effectively all-US. Real estate work is concentrated in the major metros and selected secondary markets.
Between us, we've helped small businesses access more than $200 million in funding.
Samuel works on the funding side. He manages the firm's relationships with funders, matches each file with the funders that fit it best, and pushes for competing offers whenever possible — so the terms you see are the strongest the market will give your file. He has spent his career on the founding teams of startups backed, collectively, by more than $200 million in venture capital, and he built this firm's systems from the ground up. Macaulay Honors College, C.U.N.Y.
Ami works with the clients — he is the advisor you'll talk to first, and the one negotiating rate and terms with funders on your behalf. He spent twenty years as a mortgage banker, among the top producers nationally, and what stuck is that behind every transaction is a person trying to get somewhere — trust, not paperwork, is what closes. He stays on your file until it funds. He is also the founder of an EV-charging company and the author of the memoir Until It's Done Tell No One. Yeshiva University.
We beat it on total payback, payment, debit schedule, or amount — you pick which — or we pay you $250 for your time. In writing, with the minimums and terms published on the Beat Your Offer page.
We represent you — the merchant.
Not the funders. Not the deal.
That is our promise to you.
Read the full declaration →Ten quick taps, an indicative read, no credit pull and no login. Rather talk it through? Pick a callback window below — fifteen minutes on the phone, a real answer at the end of it.
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