About Us

Flexible Capital Solutions is led by Mark Nichols, who serves as a Vice President and Business Development Officer in SBA Lending at a leading national SBA lending institution. His primary professional role is helping business owners access SBA financing through that institution.

Since 2014, Mark has worked directly with SBA, USDA Business and Industry, and New Markets Tax Credit lending structures. His experience also extends back to 2003 helping small and mid-sized businesses access capital through asset-based and other structured financing solutions.

This active, real-world lending experience provides direct insight into how government-guaranteed and structured loan programs are evaluated, underwritten, and approved. Mark brings deep familiarity with SBA Standard Operating Procedures and is experienced in structuring complex transactions, including the thoughtful use of seller notes. In some cases, multiple seller notes, including forgivable structures, may be used within the capital stack to help address issues such as customer concentration, declining revenues, or other perceived credit weaknesses, when permitted under program guidelines.

When a client’s financing needs align with the credit profile and programs of the SBA lending institution where Mark is actively involved, that path is evaluated first, as it can offer an efficient and well-coordinated approval process. When a transaction falls outside those parameters, Flexible Capital Solutions may help identify alternative capital sources so the client still has a viable path forward.

This approach ensures clients receive practical guidance grounded in real lending experience while maintaining professional alignment with institutional banking relationships.

Responsiveness You Can Count On

Financing decisions are time-sensitive, and communication should never be an obstacle. We pride ourselves on being accessible, returning phone calls and emails promptly, and keeping clients informed at every stage of the process.

You will always know where your financing stands and what comes next.

Flexible Capital Solutions has been representing leading financial institutions since 2003.

We maintain relationships with a network of banks and non-bank lenders to source financing solutions including SBA loans, USDA Business and Industry loans, conventional commercial loans, and accounts receivable and inventory-based lines of credit.

These relationships are used selectively and responsibly. When a financing request is not a fit for the SBA lending platform where our leadership is actively involved, we may help introduce clients to other appropriate institutions through referral or advisory arrangements.

This allows clients to explore alternative capital solutions while preserving the integrity of primary banking relationships.

REFERRAL PARTNERS

Flexible Capital Solutions works with trusted professionals who serve business owners, investors, and operators. Our role is to help your clients access appropriate capital solutions while making you look good in the process. Where permitted, referral compensation may be available.

BANK PARTNERS

Community and regional banks often have strong customer relationships but may encounter loan requests that fall outside their lending parameters. Flexible Capital Solutions can help provide SBA and other structured financing solutions while respecting the referring bank’s primary relationship.

When transactions are referred by a financial institution, lending partners are expected to honor the referring bank’s depository and treasury relationship unless expressly invited otherwise. Our role is to help facilitate the loan solution while allowing the customer’s broader banking relationship to remain with the referring institution.

BUSINESS BROKERS

Deal certainty is critical in business transactions. We support brokers by helping determine whether both the buyer and the deal are financeable early in the process.

Our support may include preliminary review of borrower qualifications, initial assessment of SBA or other loan eligibility, and structuring guidance to improve the likelihood of closing.

Referral compensation may be available where allowed and appropriate based on the financing program and transaction structure.

COMMERCIAL REAL ESTATE BROKERS

For owner-occupied commercial real estate transactions, early financing guidance can prevent deals from falling apart late in escrow. We assist brokers by reviewing borrower financial capacity early, sizing potential loan eligibility, and explaining occupancy and program requirements that affect financing. This helps ensure buyers are aligned with realistic financing expectations before moving deep into a transaction.

LOAN BROKERS AND CONSULTANTS

We work with select loan brokers and consultants seeking reliable access to SBA, USDA, and structured commercial financing options. Our approach emphasizes clear communication, realistic deal structuring, and transparent expectations throughout the process. Referral compensation structures vary by program and are handled in accordance with applicable regulations and lender policies.

CPAs and ATTORNEYS

Advisors are often the first to know when a client is considering an acquisition, expansion, refinance, or real estate purchase. Early financing guidance helps clients structure transactions correctly from the start. We provide clear, practical insight into available capital options and may offer referral arrangements where permitted by professional and regulatory standards.