DEBT FUNDING ADVISORY​​

WHAT WE DO

FOR YOU​​

  • Fortress can help you access debt funding from a variety of sources
  • Fortress advises its clients on the debt options available to them and what options are best for them​
  • We facilitate discussions with lenders and help you prepare your funding applications to maximize the chances of securing debt funding
 

WHAT IS DEBT FUNDING?​​​​

  • Debt financing may be difficult to obtain, but for many companies, it provides funding at lower rates than equity financing
  • As long as you are able to make your payments, debt financing can be a good way to start a business if you don’t want to be beholden to investors
  • There are several different types of debt funding options for small businesses which include: government backed loans, merchant cash advances, lines of credit, and equipment loans
  • Debt financing is when a company borrows money from an institution and in return for the money, the company is required to repay the principal and interest on the debt
 
YOU WILL

BENEFIT FROM OUR SERVICES IF

  • You are primarily focused on business operations and don't want to spend valuable time seeking and negotiating terms with prospective lenders
  • You do not have a financial background and are feeling overwhelmed with communicating with financial institutions​
WHY IS THIS​​

IMPORTANT TO YOUR BUSINESS?​​

  • If debt is determined to be an appropriate funding source for your business, then finding the best available debt financing option is crucial
  • The wrong type of debt can severely harm a business and can result in you having to spend more time dealing with your lenders and repaying the debt when you really should be focusing on growing your business
  • Using debt to fund your business can improve your return on equity and increase the amount of funding you have access to
 

THE PROCESS​​​

TYPES OF

DEBT FUNDING AVAILABLE

BUSINESS CREDIT CARDS

The right business credit card can help you establish business credit, keep business expenses separate, & grow your business with ease.

MERCHANT CASH ADVANCE

With a Merchant Cash Advance a lender will buy a piece of your business’ future revenues and you’ll receive the cash advance as a lump sum payment. Payments fluctuate along with your sales volume.

GOVERNMENT BACKED LOAN​

A government-backed loan is guaranteed by the government and provided through various loan programs.

These are generally low-cost funds are available for purchasing inventory or equipment, buying commercial real estate, or funding the acquisition of other businesses.

INVOICE FINANCING​

With invoice financing, you are pre-selling your unpaid invoices to another company in exchange for a lump sum payout.

The accounts receivable financing service will retain a fraction of the value while they wait for your customer to pay. You’ll get the remaining funds owed when the customer has paid, minus the weekly fees due.

EQUIPMENT FINANCING

Equipment financing and equipment leasing allow you to start using the equipment your business needs to generate revenue and pay it off over time.

With the equipment itself serving as collateral, you can obtain much lower interest rates than you might see with unsecured business loans.

SHORT TERM BUSINESS LOANS

Like traditional term loans, short term business loans provide companies with the necessary working capital to overcome a financial hurdle, pay off higher-interest debt, or quickly jump on a great opportunity when it comes up.

The main difference is that your short term financing will need to be fully repaid soon, usually within two years.

START-UP LOANS​

With strong personal credit, even first-time business owners can qualify for a loan to help with initial startup costs.

Startup funding is available in the form of business credit cards, credit line builders, SBA loans, non-profit microloans, personal loans for business use, and more.

TERM LOANS​

Traditional term loans are large, flexible, installment loans that small businesses can use to achieve any number of goals.

Whether it’s a major equipment purchase or an expansion project, getting that extra infusion of working capital is something that nearly every business needs at some point during its life cycle.

PERSONAL LOANS FOR BUSINESS

Personal loans commingle business finances with personal finances, but if you don’t have any business credit history, it may be the easier route.

Keep in mind that because personal loans don’t require business documentation, you’ll get access to funds much sooner than you would with a business loan.

BUSINESS LINE OF CREDIT

Flexible, convenient, and easy to use, a business line of credit gives your company quick access to revolving credit.

And though you may find business credit cards to be equally convenient, you’ll typically see lower interest rates, fewer fees, and more flexible repayment terms with a line of credit.
 

PRICING​​​​

​​​Our fees are based on a combination fo monthly retainer and a success fee.

During the period where we are working together there will be a monthly retainer starting at $1,000 per month. The retainer is based on the size and complexity of the financing you are applying for.

Fortress charges a success fee between 2%-5% of the total loan proceeds, depending on the complexity of the debt financing,. The success fee will be reduced by the monthly retainer payments made. This billing approach ensures that Fortress does not benefit from drawn out processes and motivates us to efficiently secure the funding you are looking for.