Private Placements
Concord Financial Advisors brings companies that need capital together with providers of capital. Our Private Placements Practice focuses on serving middle market businesses that require capital to refinance existing senior and/or mezzanine debt, recapitalize the balance sheet, fund growth or complete acquisitions. We work with companies regardless of size or credit rating throughout the United States.
Our Process
The professionals at Concord Financial Advisors will personally meet with you to conduct a "needs analysis" and advise you of the most appropriate course of action to address your specific situation. If it is capital that is needed, we will evaluate the overall financial condition of your company and begin soliciting proposals from pre-qualified capital providers. After reviewing the top three proposals with you, we negotiate the best overall financing package for your specific business. We work on your behalf to obtain the most favorable terms that will result in significant savings of time, money and effort.
Concord has nationwide relationships with providers of senior secured and unsecured debt. These providers include commercial banks, commercial finance companies, community banks, specialty finance companies, hedge funds and other providers of senior debt financing. Facility types include revolving lines of credit for working capital (borrowing base with advances against current assets, and open lines of credit), secured term loans based on advances against fixed assets, including equipment, real estate and intangibles, and unsecured term loans based on a multiple of cash flow. Pricing can be based on a fixed or floating rate, with the possibility of performance grid pricing to reduce capital costs, if your business achieves certain predetermined performance measures.
Subordinated debt is designed for undercapitalized businesses with a strong business plan. Our relationships include mezzanine lenders, mezzanine funds and hedge funds. These providers offer structured secured and unsecured subordinated debt with features such as conversion, warrants and other rights.
Certain businesses generate receivables that make factoring the right choice for financing working capital. Factoring is a financing vehicle whereby the business “sells” its receivables to a factoring company for immediate cash. The factoring company owns the receivable and takes over collection, unless there is recourse to the selling company specifying that if the receivable goes uncollected, the selling company must reimburse the factoring company for the cash paid and, thus, be again responsible for collection. We have relationships with numerous factoring companies. As part of our needs analysis, we can help you determine if factoring is right for your business.
Leasing can bring definite advantages over direct loans or other formes of secured financing. Advantages include lower monthly payments, lower cost of capital, tax savings, longer maturities and financing of soft costs, among other things. Concord has access to over twenty leasing companies nationwide that can provide lease financing to you.
Private equity capital is available for financing high-growth companies whereby third party investors require an eventual liquidation event to achieve a rate of return commensurate with the risk of the company in which they are investing. At a higher cost of capital than debt, the issuance or sale of equity - in the form of common or preferred stock (also convertible debt instruments) - requires an all-encompassing assessment of market conditions past, present and future. Concord Financial Advisors uses quantitative and quality analytics, as well as knowledge of current market conditions, to value your company for purposes of developing per share pricing. Company and shareholder goals matched with market conditions will determine the structure recommended by Concord. We leverage our relationships with leading venture capital funds and private equity sponsors to bring you the right solution.
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