Capital Banker

In 2007, CapitalBanker.com expanded its reach and is now providing commercial financing services to thousands of small and middle-market businesses in all 50 US States and Canada.

Business owners and managers

Business owners and managers in North America are increasingly hiring, CapitalBanker.com, as their preferred "one-stop commercial financing shop

CAPITAL BANKER

Charles Onuosa
Chief Strategist
CapitalBanker.com, Inc.
Vancouver/ Chicago/ New York
20700 Civic Center Drive, Suite 170
Southfield, Michigan 48076
Office: (800) 915-7630
Fax: (800) 878-9915

Debt Refinancing

Whether you are a small, middle-market, or large cap business, managing your organization’s debt is the most pertinent activity relative to your firm’s cash flow.

Debt maintenance is vital to your organizations growth. Actually, debt itself and the availability of it, commonly is the key determining factor of whether your organization can compete with market leaders, who tend to be well capitalized.

Refinancing existing debt can free up capital for growth-- staff expansions, asset expansions, new manufacturing facilities, technology and infrastructure upgrades, and the acquisition of competitors.

Let’s give an example:

-Assume-

Morgan’s Farm Equipment, Inc. (MFE) has $50 million in fixed debt with Lender A, fixed @ 8 percent over 10 years (120 months), interest only payments. Monthly debt obligations would approx. equal $340,000.00

Now if MFE could refinance and take advantage of today’s interest climate @ 5 percent, with the same term structure, MFE would realize actual monthly savings of $130,000.00. With monthly debt obligations now @ $210,000.00/ month and $1.56 million more annual operating cash flow, MFE can save, reinvest, buy back stock or disburse dividends to shareholders.

Finally, recapitalization or refinancing is a powerful tool to achieve your organization’s mission.