Security First Strategic Partnership

 

Greg Blackman/Security First Strategic Partnership

Small and lower middle market businesses are one of the most important engines for wealth creation and economic growth in the world. Since 2013 , Security First Merchant Services, LLC  has been providing prompt, innovative, and reliable financing exclusively for such businesses having annual sales of $1 million to $100 million.
Security First Merchant Services, LLC is a strategic partner of a San Francisco based private investment bank that is a direct lender, co-lender, and lead financial arranger specializing in providing debt and equity for the lower middle market.
Security First Merchant Services, LLC innovative approach through its alliance, allows it to provide the best financing available for companies in excellent financial condition and for those businesses that may have been refused credit by traditional lenders

DIFFERENTIATED, INNOVATIVE FINANCIAL SERVICES FIRM

• Serving the Small and Lower Middle Market
Security First Merchant Services, LLC Strategic Partner focuses exclusively on providing debt and equity for small and lower middle market businesses. Few firms know more about the needs of these businesses and the resources available to them than our strategic partner. Our private investment bank partner extensive knowledge in this sector size enables it to provide the best possible financing for these businesses.
• Engineering Optimal Financing for Clients
Security First Merchant Services through its private investment bank partner can arrange with full flexibility the engineering of optimal debt and equity financing solutions for all its clients. The small-business lending marketplace is highly fragmented. Finding the most appropriate mix of financing at the best cost, and then coordinating the different specialty lenders to a successful closing, can be a difficult process. In most cases, we have the ability to extend or arrange a single, unitranche loan to vastly simplify the situation.
• Innovative Financial Products
Cash-flow, second-lien, and mezzanine loans are common financial products in the middle market and large-cap marketplace, but are difficult or impossible to find in the small-cap sector. Companies with under $5 million in trailing EBITDA are especially under-served. There is also a visible gap in equipment and real estate term loans, as well as in growth-capital term loans. Security First Strategic Partnership is one of the few investment bank alliances for small and lower middle market businesses that truly bridges these lending gaps.
• Prompt and Efficient Service
Security First Merchant Servies, LLC truly understands the importance of closing quickly for small businesses. Our strategic partners has seasoned deal professionals and a simplified approval process, allowing it to respond swiftly to meet client needs. We will generally produce a range of financing options and terms for your business within a few of days after an interview call.

Lending
DEBT FINANCING SOLUTIONS
Financing Criteria:

Senior Loan Size: $500K to $30M

Subordinate/Junior Loan Size: $500K to $10M

Company EBITDA: $500K Minimum for Subordinate/Junior Loans

Company Type: Private Companies or Publicly Traded
Location: US and Worldwide
Financing Solutions:
• Asset-Based Revolving Lines of Credit-Accounts Receivable, Inventory (Wholesale and Retail), Purchase Orders
• Asset-Based Term Loans-Machinery and Equipment, Intellectual Property, Commercial Real Estate
• Subordinated Debt/Cash-Flow Term Loans-Cash Flow, Criticized Assets
Financing Situations:
• Growth/Hyper-Growth Capital
• Working Capital
• Refinancing
• Dividend Recapitalization
• M&A
• Bridge Loans
• Distressed/Turnaround

Our Funding Process
LOAN FUNDING PROCESS
(25–40 DAYS TO CLOSE)
1) Term Sheet, 2)Executed Term Sheet, 3)Committment Letter 4)Funding

LENDING PROCESS
Clients are frequently locked into an inappropriate financial structure. Security First Merchant Services, LLC strategic partner can efficiently examine every aspect of a business and offer management a choice of the best available pathways to optimal financing. Having both principal capital and detailed, specialized knowledge of the marketplace allows our strategic partner to create financing solutions tailored to the specific needs of its clients.