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Q:  I got turned down by my bank for a loan.  Where do I go from here?

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Answer: Accrefi can help.  There's +500 lenders you can talk to.

Why Accrefi

Connect to +500 prospective lenders across the nation 
7x your ability to secure financing ​

More parties at the table
Better pricing and better terms

Data-driven negotiation and decisions
Know you are getting the best deal and making the right decision

You don't have the time
Accrefi does the heavy lifting so you only talk to qualified lenders ​

Someone in your corner
Fighting to get your deal done and 100% aligned with your interest 

Experts lead you through the process

Our team are former bankers ourselves and have been doing this for years

US companies receive $1.9 trillion of corporate loans each year.  Don't get left out.  

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Each year...

 

$200 billion is invested into IPOs and 

$250 billion is invested in private companies.  By contrast...
 

$1.9 trillion of loans are issued to corporations, 4x more capital than the private the public equity markets combined

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There are...

 

8.3 million businesses
in the US but

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Only about 200,000 of these business receive the majority of the corporate loans that are issued
 

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The average company...

 

Talks to 3-5 lending institutions when seeking a loan 
 

 

​​Accrefi reaches 

50-100

parties in a typical process

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Most CEOs and CFOs...

 

Fundraising is the hardest
part of their job. 

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On average, a capital provider asks for 6,800 pages of materials during diligence in a fundraise


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Modern Interior Staircase

Which Loan Is Right For You

Acquisition Loans

Acquisition loans are purpose-specific loans and tend to have shorter maturities of 1-3 years.  In addition to traditional ABL and cash flow lenders, acquisition debt can be issued by special lenders that move quickly. Often, it is a non-permanent solution.

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Cash Flow Loans

Cash flow loans are issued to borrowers with consistent EBITDA generation.  Senior cash flow loans are sized at 1.0-3.0x EBITDA.  I.e. a borrower with $5M of EBITDA can obtain up to $15M in a cash flow loan.  Generally have 4-5 year maturities.  

Learn More

Revenue Based Financing (RBF)

RBF is repaid as the borrow makes future sales.  Often it is a faster and easier route to obtain financing.  It can be set up as a factoring facility, recurring revenue line, or other similar structure

Learn More

SBA Loans

SBA loans are not issued by the SBA and cannot be applied directly from the SBA.  Borrowers must go through an SBA-designated lender.  SBA loans require borrower to have positive EBITDA, but with more lenient parameters.  Up to $5 million size limit per SBA loan.

Learn More

Asset Based Loans

ABLs are for borrowers with significant assets including liquid, semi-liquid, and illiquid assets.  It does not require borrower to be EBITDA positive and the loan size is calculated as an advance rate on the asset value.

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Mezzanine Loans

Mezzanine loans are cousins to cash flow loans.  They are issued to borrowers with +$3 million of EBITDA.  Mezzanine loans can ​increase debt capacity beyond standard cash flow loan by 1.0-2.0x EBITDA (i.e. "1-2 turns" )

Learn More

Venture Debt

Venture debt requires strong equity sponsorship from a venture capitalist, private equity firm, or family office  as a prerequisite.  This means that the borrower does not always have to have positive EBITDA.  They are sized as a ratio of most recent equity investment.

Learn More

Industry Leading Pricing

Fair, Transparent, Affordable

Advisory

Ideal for companies that have full-time CFO and finance / accounting departments

1.50%
at Closing*

​Includes:
 

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  1. Market analysis of financing options

  2. Strategic company positioning 

  3. Create executive summary of business

  4. Outreach to lenders 

  5. Pitch deal on your behalf

  6. Guidance on financial projections

  7. Guidance on virtual data room set up

  8. Guidance on diligence requests by lenders

  9. Advisory on key lender issues

  10. Review of lender proposals

  11. Comparison of terms & pricing to market

  12. Negotiation of key terms

  13. Loan agreement review and negotiation

  14. Support on additional loan documents (intercreditor, warrant exercise, control agreements, etc.) if applicable

Full Service

Ideal for companies that do not have full time CFOs and require dedicated support with financial materials and diligence inquiries

2.50%
at Closing*

​Includes:
everything in Advisory, PLUS:
 

  1. Build 3-statement model: historical + forecast

  2. Construct & refine forecast assumptions 

  3. Create long-form investment presentation

  4. Set up of virtual data room

  5. Assemble customer analyses (churn / retention, customer concentration, industry exposure, etc.)

  6. Support with lenders' financial analyses requests 

  7. Field lender FAQs

  8. Field other diligence requests (customer contracts, supplier agreements, lease agreements, incorporation docs, etc.) 

  9. Full review, negotiation, and disputes of any third party reports including appraisals, QoEs, audits, tax opinions, etc.

  10. Collaborate with and manage QoE firm

  11. Collaborate with and manage attorneys  

  12. Collaborate with and manage tax advisors

  13. Collaborate with and manage company's corporate development / finance / accounting teams

Compared to industry standard of 3-5% +
$30,000 - $50,000 upfront retainer

* Deposit required at time of kick-off.  Deposit is refunded at the time of a successful closing. 

Desert Sand Dunes

Our Promise to You



Integrity

 

 

Alignment with our clients, ALWAYS. 
We don't make money unless it
helps our clients



Honesty

 

 

We tell it as it is.  Even if its bad

news. This is the best course for
making informed decisions

Client

Commitment

 

 

We work hard for our clients
and strive to deliver results
every step of the way

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