​The relationship can be crafted in a number of ways:

(1) The bank wants to remain in the deal, so we could act as a participant in the loan structure. This works well with larger loans or in instances where the bank wants to lessen its risk/exposure.

(2) The bank wants to exit from the deal, so we could refinance all debt of the company thereby taking out the bank's position. A solid turnaround plan with a bit of evidence (POs, new product with LOIs, etc.) to support the likelihood of success is required. At that point, we try to consolidate the company's loan portfolio and extend the amortization, if allowed. This will hopefully free-up enough cash flow to help the company succeed and save jobs. We also try to get the borrower additional working capital to aid the turnaround effort. 

(3) The bank simply has a prospective borrower that does not fit the risk parameters of the bank, so referring that borrower to Flexible Capital Solutions could solve the company's financial need, while adding a depository relationship to the bank.

Our mission is to create and retain jobs. That said, we cannot save every company, as every institution has its limits. But, it never hurts to try.

BDOs and Loan Brokers: Yes, There Are Referral Fees Available