As many people know, InSource Capital has been one of the leaders in franchise financing for over 12 years.  With the recent addition of several new credit lines, we are now uniquely positioned to offer a full suite of financing options.  We have options for everyone from first time franchisees all the way through experienced multi-unit operators.

Transactions funded in the first quarter of 2012 include:

• $60,000 for two new hair salon locations
• $80,000 Securities Loan for a home health care franchise
• $125,000 credit line for a new retail clothing store
• $450,000 business acquisition loan for a new franchisee
• $652,000 debt refinancing for a multi-unit pizza franchisee

No one in the country can offer the range of options available at InSource Capital.  For a matrix of our financing options, click here.

If you or anyone you know are looking for options for financing, you owe it to yourself to call InSource Capital.

For a free evaluation, contact us at 818-783-7462.  Many people prefer to take advantage of our online scheduling tool.  Click here and schedule a time that works for you.

We’re looking forward to working with you.

InSource Capital Services
Brian Link
brian@insourcecapital.com
818-783-7462

“We used Brian’s services for the first time recently and were very pleased with the outcome. He and his team executed flawlessly and swiftly, and we would not hesitate to engage Brian again with future opportunities.”

It always gives our entire team a lot of satisfaction when a client takes the time to offer such positive feedback!  In this case, there were  several issues that came up with the landlord in question, the vendor and the Funding source.  Because we were able to anticipate these before they happened, the entire transaction went through without a hitch.

It pays to work with a company that has the experience necessary to take a transaction from beginning to end “flawlessly and swiftly”.

Our motto is “Financing the way it should be“.  Call us and let us show you what that REALLY means.

Call Brian Link at 818-783-7462.

InSource Capital announced today that it completed another successful financing project. This one involved a retail personal service franchise and the need to complete the remodeling of two locations.

The franchisee’s comments included, “Brian was extremely helpful in a difficult market and I would strongly recommend him over several others I dealt with should you have any financing needs in the future.”

Not all companies are created equal. IN what continues to be a challenging credit market, getting things done and providing a high level of service continue to set InSource apart.

For more information, contact Bran Link at 818-783-7462.

Over the last decade, “traditional” sources of financing for franchises have included conventional financing, SBA or other government supported options, use of 401k money and what many people call “friends & family”

As credit marketplaces and government regulations change, each one of these options has experienced major changes and challenges.  Business people in general, and franchisees in particular, still have the need for credit, and as a result, new options have been developed to meet that need.

One of the most popular is an option called Securities Based Financing.  This is NOT a Margin loan and does not come with the inherent risks associated with margin accounts.

With Securities Based Financing through InSource, qualifying for financing is a quick and simple process that usually only takes a few days.  Once approved, cash can be delivered only a few days later, after the proper documentation is put in place.

There are no hidden fees.  All securities remain in your complete control.  You benefit completely from any “upside” realized from your investments.

What’s the catch?  In all honesty….. there isn’t one.  There are some fees to get started (fully disclosed in a formal proposal) but other than that, this is a very simple, flexible option that provides immediate cash without the need to sell securities.

For more information and a no obligation quote, contact Brian Link at 818-565-6252.

Since our founding in 2001, our company has committed itself to providing the best rates and the best service available in the marketplace. During 2008, we implemented the Low Rate Guaranty, and the policy of formally surveying each of our customers for feedback. Our survey provider has given us the results of 2009′s survey.

Among other things, we ask each of our customers to rate our service during three periods of time, while gathering information prior to credit approval, the time after credit approval and prior to funding, and during the funding process. In addition, we ask them to rate our service “in general”.

They are given the choice of rating our service as Poor, Fair, Average, Good or Excellent.

We are proud to announce that 100% of our new customers in 2009 rated our service as either Good or Excellent. All but one was willing to openly provide a reference for InSource.

Some comments include:

“Brian said he would provide good service and did. Cindy was excellent; patient and helpful. We will use InSource again for our future expansion.”
“So easy ….. thanks for all your help…..two salons and both handled perfectly”
“Good experience. I really appreciated your understanding of how our business works!”

When choosing to work with a partner for your financing, remember that not all companies are the same.

For more information, please feel free to call Brian Link at 818-565-6252 anytime.

Even in today’s challenging credit marketplace, if you work with the right partner, you get results!

As an approved financing partner for Great Clips franchisees, InSource is proud to announce that we have funded our seventh new salon build in the last 30 days.

Our clients, both new and existing franchisees, choose us for a variety of reasons.  Some because of our quality service, some because of our knowledge of the Great Clips system, some because of our expert ability to work with vendors, suppliers and landlords.

And all of our clients benefit from the most attractive commercial financing rates in the market today, as documented in our Low Rate Guaranty.

If you haven’t experienced financing the way it was meant to be, call us to review your next project.  One franchisee said working with us was “like a dream come true”.

Contact Brian Link at 818-565-6252 or via email at brian@insourcecapital.com.

A recent article that appeared in the Herald-Tribune in Sarasota Florida reported on the results of a recent poll of SBA lenders.  The specific poll was to get feedback on a recent SBA memorandum (Viewable here) but the reported comments were fascinating.

It “scares me to death,” is one lender’s response.

Another said, “At a time when SBA is looking to promote small business lending programs, the issuance of this notice will call into question continued participation”.

Multiple Personality Disorder

Multiple Personality Disorder (MPD) is defined as a disorder “whereby two or more distinct and separate personalities are manifested within the same individual, each displaying different interests and behavior patterns.”  Today, the credit industry has two distinct personalities, often in conflict with each other.

On the one hand, there is a big push to extend credit. The federal government has been pumping money into the system for months now and the prime rate is lower than it’s been since WWII.  On the other hand, regulators are on the lookout for anything that remotely resembles a return to the types of industry practices that contributed to getting us where we are today. The memorandum referenced above includes ominous sections entitled, “Strengthening Oversight of 7(A) Lenders” and “Identifying and Recovering Improper Payments”.   Banks are looking for deals to fund, but many seem afraid to do so.

As a result, many transactions that make very good sense from traditional credit point of view are frozen in their tracks. Many credit officers, understandably, would rather turn down a good transaction rather than risk the consequences of a ‘bad loan’.

At InSource, the essence of our business is finding quality lenders/underwriters for our clients. A few years ago, as lenders were chasing down high yield, real estate backed securities, we had more customers than we had underwriters.  Now, not a day goes by where I don’t get calls from an underwriter asking me to send them business.  “We have money to lend”, they say.  The problem is in the underwriting.

Every lender has an “appetite”.  Some like certain types of transactions and others like different types of transactions.  The days where common sense prevailed and underwriters were willing to do things “outside the box” seem to be only a memory.  In fact, many underwriters want to stay right in the middle of the box.

The Treatment

The accepted treatments for MPDs are wide and varied.  In this case, we can start by having realistic expectations on both sides.  Borrowers need to understand that the days of 3% unsecured money for start up companies aren’t here anymore.  Lenders need to understand that they are in the business of taking appropriate, mitigated risk.  If we can meet in the middle, everyone will be OK.

I’d welcome your thoughts and your feedback.

This presentation was originally delivered to the Salon Profitability Institute, hosted by Great Clips in May of 2008.  Clearly, a lot has changed in the credit marketplace since then, but the basic principles remain the same.

The presentation runs a little over 8 minutes.  We hope this is useful information and would welcome your feedback and comments.

InSource recently funded a $400,000 Great Clips salon acquisition. No real estate was used. Our rates were very competative and our only security was the salon assets and the personal guaranty of the franchisees.

Whether you write a personal check, use the equity in your home, use your 401K money or get a commercial loan, one way or the other, you’re financing your franchise. Financing it the right way is critical to your long term success. It might not be as critical as finding the right locations, but it’s close. Read more »