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How the Fed’s Rate Increase Impacts Business Loans for Financial Advisors

  • On December 14, 2017
The Fed has increased the benchmark interest rate by 25 basis points to 1.5%. This is the 5th rate increase since the financial crisis, the third increase in 2017, the fourth increase in the last year, and the Fed reiterated their projection of three more rate increases in 2018 as well. How do the increases impact […]
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2018: SBA Makes BIG Impact on Advisor M&A with New Acquisition Rules

  • On December 6, 2017
SBA Levels the Financing Playing Field, Empowers Succession Advisors Fish Buying Whales with 100% Financing The new SBA rules going into effect January 1, 2018 is going to turn acquisition lending upside down in several key ways. For more information about the new rules read our AdvisorLoans Insight Article. SBA Paves Way for More Flexible […]
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AdvisorLoans Creates Free Lending Guide eBook for Financial Advisors

  • On November 29, 2017
AdvisorLoans released their Advisor Lending Guide eBook. The eBook is available at no cost to either advisors or firms. It can be read online at AdvisorLoans.com, saved as a PDF, or printed. Financial Advisors, RIAs, and firms now has an available lending guide written specifically for independent advisors seeking loans for acquisitions, partner buyouts, working […]
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The Fiduciary Irony of SBA Bank Kickbacks to Firms and Vendors in the Independent Channel

  • On November 29, 2017
The independent channel promotes fiduciary thinking, doing what is in the best interest of the client, and accountability.  It frowns on pushing proprietary products, receiving kickbacks, and not disclosing commissions. It is ironic, even alarming, that these hallmarks of the independent channel mindset are not also always being applied to the benefit of independent advisors […]
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SBA Paves Way for More Flexible M&A

  • On November 21, 2017
New Acquisition Rules = Beauty and the Beast SBA’s new rules and requirements for 2018 has paved the way, to be the way more advisors choose for   financing acquisition and equity buy out/in loans, than years past. Starting January 1st, the SBA will have new equity injection requirements for acquisition loans. For most acquisition and […]
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Independent Recruiting by Leveraging Financing

  • On November 8, 2017
Leveraging financing to rapidly grow through recruiting and compete with the big recruiting players. Recruiting bonus and transition Advisors can get a loan to pay the recruit a recruiting bonus and transitional assistance. Depending on which loan program is used different structures and requirements apply. Essentially in this case, the advisor is investing in the […]
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5 Financing Factors to Consider When Structuring Your Acquisition Deal

  • On September 18, 2017
Timing Alignment Both conventional and SBA loans can take 30 to 45 days to fund but this time clock begins after we have a complete financial package and there are a few factors that can potentially delay (but typically don’t) the process. Before scheduling a hard closing date with the seller consider checking to make […]
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SBA Loan Property Liens

  • On September 18, 2017
The SBA 7(a) has clearly defined loan property lien requirements. For loans over $350,000 the SBA requires that a lien be placed on available equity of the borrower’s personal real estate including residential and investment property. The SBA does not require lenders to collateralize a loan with personal property if the borrower has less than […]
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Acquisition Lending

  • On July 17, 2017
Advisorbox utilizes our sister firm AdvisorLoans for lending solutions to advisors. AdvisorLoans purpose is in our name. Financing Advisors is our tag line and our mission. AdvisorLoans model is to be a Loan Advisor to Financial Advisors. We exclusively help Financial Advisors get business loans. We bridge the gap between the Advisor and Lender and do most […]
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