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Capital Solutions
Capital Solutions
Business Acquisition Finance
Buying a business is the point where financing stops being a formality. A lender is not underwriting the seller’s fifteen-year track record — it is underwriting whether this buyer can service this debt while running a business they have not run before. That is a different question, and most acquisition financing falls apart because nobody answered it before the file went in.
We work the transaction from the buyer’s side: what the business can genuinely carry after debt service, how much equity the deal actually requires, where seller financing has to sit in the structure, and how much working capital the buyer needs to survive the first year. Then we build the credit narrative that explains why this buyer, on this deal, is a sound risk.
Bring us in early — ideally before the LOI is signed. The structure of a purchase agreement determines what can be financed, and it is far easier to shape a deal than to rescue one.
What we structure
- SBA 7(a) acquisition financing
- Conventional acquisition debt
- Partner buyouts
- Management buyouts
- Seller-note structures
- Business and real estate acquisitions combined
- Working capital within the acquisition
Capital Solutions
Commercial Real Estate Finance
Commercial real estate financing rewards precision. The same property can be financed as an owner-occupied SBA 504 transaction, a conventional bank loan, or a DSCR-based investment deal — with materially different rates, terms, equity requirements and timelines. Choosing wrong costs money for the life of the loan.
We start with what the property and the borrower are actually being asked to support: occupancy and use, net operating income, debt service coverage, sponsor liquidity, and the exit or takeout on anything short-term. From there we determine the right structure and the right class of lender — bank, SBA, agency, private or bridge — rather than sending the file wherever it will fit.
Our clients regularly close purchase, refinance and cash-out transactions in 30 to 45 days, because the file is complete the day it goes in.
What we structure
- Owner-occupied commercial real estate
- Investment property financing
- Acquisition
- Refinance and cash-out refinance
- Construction
- Bridge financing
- Portfolio transactions
Capital Solutions
SBA Advisory
SBA is the most flexible capital available to a small business and the most easily mishandled. Eligibility rules are specific, structures are prescribed, and two lenders operating under the same SOP will reach opposite conclusions on the same file — because SOP compliance is the floor, and credit appetite is what actually decides the outcome.
This is where our lending background matters most. We resolve eligibility, equity injection, debt service and structure before submission, prepare the credit presentation the way an underwriter needs to read it, and select lenders whose appetite fits the industry, size and profile of the transaction. Where 504 serves the client better than 7(a) — or where SBA is the wrong tool entirely and conventional debt is cheaper — we say so.
We advise on SBA. We are not an SBA brokerage. The recommendation follows the transaction.
What we structure
- SBA 7(a)
- SBA 504
- Business acquisitions
- Commercial real estate
- Construction
- Equipment
- Working capital
- Refinancing
Capital Solutions
Growth & Structured Capital
Established businesses often need capital that no single product cleanly covers: an expansion that outruns the operating line, an equipment purchase alongside a facility build-out, a balance sheet carrying legacy debt at terms that no longer make sense, a partner who needs to be bought out without straining working capital.
These transactions are solved by structure, not by product selection. That may mean layering conventional bank debt with equipment financing, refinancing existing obligations to release capacity, or going outside the banking system to private credit where speed or flexibility justifies the cost. We are candid about that trade-off — non-bank capital is more expensive, and it is worth it only when it is genuinely worth it.
If the transaction is complicated, that is usually a reason to talk to us earlier rather than later.
What we structure
- Expansion capital
- Equipment financing
- Working capital
- Debt restructuring
- Recapitalization
- Conventional bank debt
- Private credit
- Non-bank financing
Core Loan Services
Business Plan Review
A well-prepared business plan can play an important role in helping lenders understand your business, your strategy, and how the requested financing will support future growth. At Swift Capital Options, we review your plan from a lender’s perspective and help identify areas that may need clarification, stronger support, or better financial alignment.
Our team evaluates the key components of your business plan, including the business model, market opportunity, management experience, use of funds, financial projections, and repayment strategy. We then provide practical guidance to help make the plan clearer, more credible, and better aligned with lender expectations.
Whether you are starting a new business, acquiring an existing company, expanding operations, or applying for SBA financing, we help you present a stronger and more complete story to potential lenders.
Core Loan Services
Financial Consultation
The right financing decision starts with a clear understanding of your business, your goals, and the options available to you. At Swift Capital Options, we provide personalized financial consultation to help business owners evaluate their funding needs and identify financing strategies that make sense for their situation.
We review your current financial position, cash flow, existing debt, growth plans, and intended use of funds to help determine the most suitable path forward. Whether you are preparing for an acquisition, refinancing existing obligations, purchasing commercial real estate, or planning your next stage of growth, our team helps you approach financing with greater clarity and confidence.
Our role is to help you understand your options, identify potential challenges early, and create a practical financing strategy before you move into the application and underwriting process.
WHY SWIFT
Depth where it decides the deal.
Four things that shorten a timeline and get a file to the closing table.
We've underwritten from the other side
Our team has sat inside credit departments and read the SOP as a working document, not a reference. We know which conditions stall a file and which are negotiable — before your transaction is submitted.
The structure is built before the search
Debt capacity, equity injection, seller financing and working capital are resolved first. A transaction that arrives at a lender already structured gets a different reception than one that arrives as a request.
Two or three lenders, not thirty
We place transactions with institutions whose credit appetite genuinely fits your size, industry and structure. Shopping a file to every desk in the market signals weakness and it shows up in your terms.
30 to 45 days on commercial real estate
Purchase, refinance and cash-out transactions closed inside a window most borrowers are told is impossible — because the file is complete the day it goes in.
FAQs
Frequently Asked Questions
Get answers to common questions about our financing process, services, and how Swift Capital Options can help you move forward with confidence.
We review your financing goals, current financial position, existing debt, cash flow, and intended use of funds to help identify the most suitable financing options for your situation.
Our consultations are designed for business owners, buyers, investors, and entrepreneurs who are exploring SBA financing, refinancing, business acquisitions, commercial real estate, or growth capital.
Helpful documents may include recent tax returns, financial statements, debt schedules, bank statements, and details about the financing you are seeking. We’ll let you know what is needed based on your situation.
Yes. We evaluate your financing needs and business profile to help identify SBA and other lending options that may align with your goals and transaction.
No. Final approval is determined by the lender and depends on underwriting requirements. Our role is to help you understand your options, prepare effectively, and position your financing request as strongly as possible.
If there is a viable financing path, we can help with the next steps, including document preparation, loan packaging, lender matching, application support, underwriting coordination, and closing.