Diamond Financial: National Business Loan Provider

Providing Capital Solutions To American Businesses

Businessbroker.net has partnered with Diamond Financial Services, Inc. to connect our users with a wide variety of funding solutions to help you buy, grow or start-up a business. If you are serious about applying for a business loan, please read the following information about Diamond Financials' loan programs. You can contact them directly by calling them on their toll free number at (888) 238-0952 and by using the contact link located at the bottom of this page.

Looking for a Business Loan?

Specializing in securing financing for loans from $100,000 to $3 million, Diamond Financial Services (DFS) is a direct source to the nations most aggressive business lenders. These financing solutions can be applied to the purchase of a business that can include real estate, building and leasehold improvements, business expansions, franchise, equipment, debt restructuring, working capital, franchise fees, the buying out of partners or the for the start-up of a business enterprise. Loans are meant to cover the total investment including working capital and closing costs.

Headquartered in Raleigh, NC, Diamond Financial was formed to fill a large void in the national financing market. Studies have shown, for example, that in one year over 21 million small business loans were applied for through local banks and only 4 million were actually funded. Reasons for failure varied. DFS realized that many capable individuals were not able to identify interested financial institutions, package the business loan application or justify their needs to bank officers. Over 84% were initially declined due to presentation alone. The experience and skill of the loan officer sometimes determined the potential success rate as much as the merits of the loan application itself!

Business Loan Programs:

Diamond offers loan packages from $100,000 up to 3 million dollars and our packages include working capital and closing costs!

• Business Acquisitions - The purchase of a business or franchise along with improvements, working capital and closing costs.
• Commercial Real Estate - Owner-occupied commercial real estate with up to 25 year terms.
• Business Expansions - Loans to expand your business, your facility or base of operations.
• Franchises - The total investment for startup operations or additional locations.
• Refinancing of Debt - Consolidate or refinance short term high interest loans and lower your monthly payments
• Equipment and Furniture - 10 year loans that can be combined with other needs into one loan package.

Scope of Services:

Our solution is to offer complete turnkey services consult and advise clients on all loan requirements until the loan is closed. Let Diamond Financial help you through the whole loan process from application to closing.

• Review & Critique Your Business Plan
• Professionally Prepare the Loan Package
• Review All Documents Needed For Application
• Assess The Structure Of The Loan Application
• Evaluate Strengths & Weaknesses Of the Application
• Analyze & Review Revenue & Expenses
• Develop Realistic Revenue Projections
• Prepare Summaries Presenting the Facts and Merits of the Loan Application
• Effectively Communicate & Present The Strengths & Allocations of Funds For The Loan
• Select The Right Lender - an interested lender with guidelines capable of approving your loan.
• Assist You Throughout the loan process until closing.

The Broker Advantage Program:

Finding interested buyers is a difficult and time-consuming process. Buyers are often unsure of the financial requirements from the down payment to the monthly payments to the purchase and cost of operations. Our Business Acquisition Financing Summaries (Quick Response Form) provides realistic "numbers" to buyers outlining their lender financing scenarios. Pre-qualifying buyers, determining their ability to finance a business and increasing financing options for potential buyers can greatly assist you and better serve your client (the seller). Ask us to produce a scenario sheet (QR) for your next listing!

Flexible loan packages thru Diamond Financial can be applied to building and leasehold improvements, equipment, debt restructuring, working capital, franchise fees or buying out partners as a part of the acquisition package. Our "Broker Advantage Program" provides services to brokers from pre-screening applicants to up to the minute loan process status.

The Broker Advantage Program Can:

• Broaden Your Base of Potential Buyers. Lender financing offers lower down payments enabling more buyers to qualify for your business listing. Longer-term loans give the buyer a more affordable monthly payment and a complete financing package that may make the purchase more feasible.
• Pre-qualify Buyers Quickly. DFS offers assistance to pre-qualify candidates. We help you evaluate your candidate's ability to secure lender financing. Why wait days or weeks to find out whether the buyer may qualify for financing? Fast response helps you to determine whether to hold the listing or move on to other potential buyers.
• Increase Closure Rate. Our expertise and access to interested lenders not only saves you time, but improves the success rate for the loan application. Why blindly submit a loan application without understanding the actual feasibility. Let us move your buyer forward and free your time to sell more businesses.
• Increase Customer Satisfaction. We professionally complete the loan application, track missing paperwork, work with your buyer and keep you informed of our (their) progress.
• Speed Up the Process... Once we've collected all the information we need, you can expect a loan commitment in 10-15 business days!

With the "Broker Advantage Program" you'll find out how Quickly & Easily DEALS GET DONE!

Solution: You're the Buyer

When you decide to purchase a business you'll be faced with few financing options. It's clear that during the negotiating process you may elect to include some seller financing. Seller financing may be your only option if you're not able to qualify for a business loan. Typically, business deals may be closed slightly faster without the need for financial intermediaries, but is this your best option? Does the deal change and become more profitable to you if it's paid for in full.

Most seller financed deals require a larger down-payment (30 to 50%) with terms for repayment being generally shorter than business loans because after all, the seller wants their money. With SBA Acquisition Financing, your down-payment will likely be no more than 20% and with a 10 to 25 year term of repayment. The long-term benefit is a lower monthly payment conserving needed cash flow during the acquisition or early expansion stages.

There are no prepayment penalties with an SBA acquisition loan (of terms 15 years or less)! Cash flow is important and you can do so much more with it than without it! Diamond Financial adheres to that concern which is why we always include working capital in our total project costs. Not sure if you can qualify for business financing??…. Talk to us or apply and we will let you know quickly. After all, our business is to secure loans for your business. We never charge any upfront fee and we only charge a small fee upon the issuance of a loan commitment.

Solution: You're the Seller

You are selling the business. Options to finance the sale yourself are always an on going concern. Do you want to stay financially connected with the business after you sell it?? Can you afford to? Our SBA loans offer guarantees to lenders, making loans easier for potential buyers to secure and you get all your money at the time of closing.

Don't need all the money right away?? Well, maybe you just want to increase the chance for sale of your business. Lower down payments and longer terms may be just what your potential buyer needs to qualify and purchase your business. Diamond Financial makes it is easier to pre-qualify buyers for SBA financing and lets you know if you should pursue this with a potential buyer. With limited information we can assess your buyer and with a complete loan package we can give you a decision or loan commitment within 15 business days.

SBA Acquisition Financing Comparison:

Seller Financing VS. Buyer Financing
Higher Down-payment (30-50%)	Lower Down-payment (15-20%)
No Working Capital	Always Included
Promissory Note (generally 5-7 years)	Longer Term (10-25 years)
Higher Monthly Payments (for Buyer)	Lower Monthly Payments
Buyer & Seller Exposure is 100% until Completion of Note Payment	Sale Completed With Loan Closing
Smaller Pool of Prospective Buyers (due to higher down-payment)	Larger Pool of Prospective Buyers (due to lower down-payment)
Limits Prospective Buyers' Financing Options	Offers Greater Financing Options
Initial Cash to Seller is Limited to Down-payment	100% Cash Purchase at Time of Sale

The Franchise Advantage Program

Our start-up or acquisition loan programs are excellent avenues for the purchase or expansion (new locations) of a franchise operation or even the buy-out of existing partners. Diamond Financial's experience with UFOC and franchise guidelines makes us a leading source for franchise acquisition(s). We know where and how to get these loans funded.

Franchise Area Developers

If you are an area franchise developer, you'll benefit from working with the one source that can understand the revenue stream, UFOC guidelines and other particulars of your franchise. Once we have custom tailored our loan package and criteria for your franchise, we can speed the application process eliminating the time-consuming efforts required to introduce you to new lenders with each loan transaction. Call us to find out if we've worked with your company in other regions. We work daily with franchises and may already be acquainted with you!

We can easily and quickly package loan applications, offer a pool of lenders in order to address any unique considerations of your buyer and professionally package the loan application for your potential franchisee. We prepare all projections, assumptions and explanations for projections on all our loan applications. Our customer service is key to making your potential buyer successful with his financing requirements. We actively pursue the information we need, guide and assist in collecting these documents for the closing and keep you posted through the entire process saving you valuable time!