Try Ivanhoe Capital Advisors’ Business Funding Options!
Let’s face it, usually, banks will only fund businesses as long as you don’t need it! Access to capital is becoming tougher and tougher every year! Where do you go? Who do you talk with?….. Well, here at Ivanhoe Capital we’re always going beyond your bank to make your dreams and opportunities become your reality.
ICA has been that beacon of light for businesses just like yours for over 60 years in treading through any bank loan approval process. We know there’s no second first impression on the submission of your loan package. It’s tough and challenging, but by utilizing ICA’s experience and institutional relationships were the ones that can get you over the finish line!
Advisory Services
Our senior level management has been providing dynamic strategies for over 30 years to companies looking to grow organically. We have experience in mergers and acquisitions, re-engineering or re-structuring of the company, and securing financing for business needs.
SBA Disaster Loan Programs
We are actively involved in helping businesses across the United States in dealing with the ever-changing financial climate brought on by the COVID-19 Pandemic. Businesses are utilizing our advisory services to understand the different solutions available to fit each company’s needs from comparing the various alternative sources of capital provided through the SBA Cares Act.
Turnaround & Restructuring Services
We have worked with small to middle market companies that are struggling with their cash flow – whether it’s from growing too quickly or a loss of business due to market changes – we analyze the current financial situation and make recommendations based off of our senior management’s experience.
Bank Consulting
Over the last few decades we have been providing advice to Community Banks regarding Government Guarantee loan programs along with other state and loan credit enhancement programs. Our perspective allows Community Banks to efficiently and effectively service their customer’s loans. Some of the services we provide are as follows:
- A SBA, USDA, State/Local Complaint Credit Process
- Structure and Eligibility Planning
- Loan Packaging
- Loan Processing and Closing
- Servicing
Mergers & Acquisitions
Businesses looking to grow will use our years of experience to help determine the strategy for either Merging or Acquiring an additional business OR providing a detailed analysis on where we feel the value of the business is based on financial history and market conditions.
Tax Returns Are NOT Required
Are you unable to get a loan because your tax returns do not show enough income to qualify? We have a stated income financing program that does not rely on your tax returns for approval. In fact, we will never even ask to see them! We will base our decision for commercial income properties on bank statements, a rent roll, and leases. For owner-occupied business properties, we will base our decision on bank statements and a Profit & Loss Statement!
Banks require your tax returns to show enough income to service debt. A lot of business owners and investors write 
off a considerably high amount of their income due to the fact that they can. Unfortunately, this does not help their chances of getting a bank loan because it appears that there is not sufficient income to service a loan so they are turned down. This is a shame because there are a lot of investors and business owners who actually do have sufficient income. They just don’t show it on a tax return because they will have to pay more in income tax.
It becomes a trade-off. Do you show more income and pay more taxes so you can obtain a loan, or do you show less income and pay less in taxes with the end result being that you will not qualify for a loan? It is a tough choice, especially when one of the reasons people invest or own a business is to pay less in income tax. Well, we have solutions for this age-old problem.
