Loan Covenants Explained: How to Review & Negotiate Covenants to Avoid Covenant Breaches

Loan Covenants Explained: How to Review & Negotiate Loan Covenants to Avoid Covenant Breaches By Jeff Bardos, CEO, Speritas Capital PartnersMay 28, 2021 - Greenwich, ConnecticutSchedule a call now! My Experience with Loan Covenant Negotiation In my experience as a debt advisor,...

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6 Equity Sources that Meet the SBA’s Equity Injection Requirements for a Business Acquisition

What is an Equity Injection and What Funding Sources Can You Use to Meet SBA Requirements for a Business Acquisition?  By Jeff Bardos, CEO, Speritas Capital PartnersJanuary 19, 2021 - ConnecticutSchedule a call now! What exactly is an equity injection in...

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How to Craft a Perfect Loan Pitch in 13 Steps

How to Craft the Perfect Lender Pitch for Your Business in 13 Steps Develop a compelling narrative Support with data & market research Integrate strategy with an operating plan Show that you can or have invested (see more on equity here) Highlight your management...

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8 Steps to an Accurate Cash Flow Forecast

Looking Beyond the Crisis - Developing a Cash Flow Forecast for your Liquidity Contingency Plan By Jeff Bardos, CEO Speritas Capital PartnersJune 19, 2020 - Greenwich, CT Obviously, COVID-19 impacted revenue more quickly and significantly than most people could have anticipated. As...

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Liquidity Planning in the Age of Pandemics

By Jeff Bardos, CEO, Speritas Capital PartnersGreenwich, CTJune 2020 - Originally published in Newsline, the Magazine of the National Equipment Finance Association, May/June 2020 issue, page 22. The severe economic impact of COVID-19 has reinforced the old adage that 'cash...

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Now is the Time to Look Beyond Paycheck Protection Program Loans

April 15, 2020 - Greenwich, CT Look Beyond Paycheck Protection Program Loans - 4 Steps to Take Now Assess Your Ability to Leverage Hard AssetsFind & Explore City, State and Federal Relief ProgramsGet in Line for a Paycheck Protection Program (PPP)...

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Three Critical Financing Steps to Take Now – Coronavirus Disruptions

Three Critical Financing Steps to Take Now During the Coronavirus Crisis Keeping your family and your employees safe is clearly your first priority right now as a business owner. Once you have that under control, I recommend that you focus...

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Plan Now for Economic Weakness as a Result of COVID-19 Disruptions

Preparing for Short-Term & Long-Term Economic Weakness as a Result of COVID-19 Disruptions These are difficult times for all of us, personally and professionally. On the professional front, businesses are facing uncertain customer demand, difficult supply relationships, and tight cash...

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How To Choose a Commercial Loan Broker You Can Trust

How to Choose a Commercial Loan Broker You Can Trust By Jeff Bardos, CEO, Speritas Capital PartnersGreenwich, ConnecticutSchedule a call now! There are thousands of local, national and online bank and non-bank lenders. Figuring out which ones are the best match...

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Speritas Capital Partners advises on $27 million revolving credit facility for a Northeast-based manufacturing company

Closed - $27 million revolving credit facility for a Northeast-based manufacturing company. This facility refinanced a smaller revolver provided by a local bank group, allowing the company to meet growing customer demand. The quality of the customer base, permanent...

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