If you’re looking for a loan to buy a business, this one is tailor-made for you.

Best Financing For Business Acquisitions
For nearly 30 years, Diamond Financial (Franchise Lenders) has been financing Business acquisitions (resales) nationwide with a high success rate on loan sizes from $150K – $5 million (SBA), $750K – $10 million+ (FranBank Conventional non -SBA) and $25K – $150K (FAST Plan – Alternative lending programs) such as UBLOC, Consumer Business Loan, Diamond Retirement Funding and LeverageLine.

At times, it requires a combination of the above, including a funding strategy to finance the down payment which is required for SBA and FranBank. Our experience with loan packaging and diversity of lending programs and Banks we work with continue to make us a leading source in the industry with a top reputation. You need a loan specialist to maximize your chance of approval. It is simply too risky to do it on your own. Banks are inconsistent and are always changing their loan criteria, loan sizes, preferred industries, and success rates. Most banks look for reasons to not finance a business purchase. Our lenders are mainly “Cash Flow” oriented and look for ways to get your loan request approved and funded!

> No cost, fast pre-qualifying of the financials of the business you are looking to buy.
> 1 – 2 day turn around on Q.R. Term Sheets (once a business is pre-qualified for a bank loan)
> Same day or next day personal pre-qualification letters (upon review of our personal financial statement (PFS). We do not pull credit.
> Assistance with listing business broker (if available) to gather financials to assess cash flow review.
> No application fee (SBA Loans)
> Quick loan packaging with assistance on loan projections and business plan.
> Your complete, custom loan package sent to strategically chosen and best “Cash Flow” preferred (PLP) SBA bank or FranBank Conventional Lender.
> Faster loan process (with our overseeing and managing your loan file).
> Review of loan approval letter (Commitment Letter) to confirm best possible rate and terms.
> Provide continued services to make sure your loan closes (funds) in a timely manner
> Multiple Banks on file in case of any issue, including having to repackage your loan request. We will do your “Loan Shopping” for you, saving you time and stress and money!

Diamond Financial Services provides commercial real estate mortgages in all 50 states. We are well known for offering competitive commercial loan interest rates, professional services, and our simplified loan process, and we offer a vast variety of lending vehicles. We have access to a wide variety of lenders which gives us the ability to provide commercial loans at wholesale pricing.

Diamond Financial Services mainly targets owner occupied and investment properties over $250K and specializes in franchise owners who want to purchase the building they operate in or who want to move their business to a commercial building. We can also assist owners who want to buy out their partner(s) while simultaneously purchasing the real estate. Reach out to us to review your CRE Loan potential today!

We usually offer an initial indication of approval in days, not weeks or months.

> 0% APR for 6 – 12 months with 10-16% Apr after promotional period
> Non-SBA (only criteria are credit history & score)
> Working Capital needs for existing franchisees
> No restrictions on usage of funds
> Not reported to personal credit
> No Personal or business collateral required
> Easy to apply / 3 business days for a decision

Unsecured Business Financing Program
STATED INCOME
UNSECURED
TYPICAL RESULTS
TYPE OF FUNDING
INTEREST RATES
TIMING
PRE-QUALIFYING
SUCCESS FEE
EXISTING BALANCE TO LIMIT
SOFT CREDIT PULL

Low Documentation
Just need proof of identity and proof of income. If W-2 employee, will need last two pay stubs. If self employed, will need most recent business and personal tax returns. Banks will go by Adjusted Gross Income.

Unsecured
This program is completely non-collateralized, but every application still requires the personal guarantee of the applicant.

Type Of Funding
The funds can be used for business purposes but this program is based entirely on consumer financing consisting of mostly Term Loans, but sometimes include Lines of Credit (with check writing capability). All accounts will report on personal credit.

Interest Rates
The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).

Interest Rates
The APR’s (Annual Percentage Rates) on the loans are between 7%-24% depending on applicant’s creditworthiness and the selected term (applicant will be presented with an offer of 3, 5, or 7 year terms from which to choose).

Pre-Qualifying
Applicant needs at least a 650 FICO and over $35,000 in annual income (Adjusted Gross Income), but an actual pre-qualification will depend on Debt-to-Income ratio. *650+ FICO and $35k+ income does not guarantee eligibility.

Timing
The process takes about 3-5 weeks, plus or minus, depending on the situation.

Success Fee
There are no upfront nor any recurring fees. Once the funding has been established, the company is due its Success Fee, which is a percentage of the total aggregated funding. The Success Fee can be conveniently paid with proceeds from the new funding.

Soft Credit Pull
If the applicant doesn’t have an account with a credit monitoring website where they can share their report with us, we can run credit without a hard inquiry.

We offer 100% financing for re-model, reimage, and refreshing franchise concepts with 3+ years’ time in business. This can include 50% equipment and 50% construction cost over 24-60 month terms. We pride ourselves in 24 hour approvals and fund in 3-10 business days. No cost or obligation quote.

> Benefits & Services
> 24 Hour Approvals
> Tax Write-Offs
> 24 - 60 Month Terms
> Build Business Credit
> 100% Financing
> Law Fixed Monthly Payment
> No Personal Collateral
> Simple Documentation
> Preserve Capital
> Off-balance sheet financing

Restaurants
Fitness
Automotive
Hospitality
Spa
Saloon
Restoration
Retail
Construction
Manufacturing
Titled Vehicles

You’ve probably been through the standard financing process before. You updated your personal financial statement, gathered up five years of tax returns, bank statements and whatever else the banker required. You filled out all the forms, went to the interview, then prayed for good news.
We don’t finance that way; we offer industry leading LeverageLine simplicity instead. We finance using your stocks, bonds, or other securities serving as collateral that stay in your own account – and nobody else’s.

Your LeverageLine financing allows you to put two asset classes to work, not just one. Keep your securities growing for you while you access the lowest interest rates, highest loan-to-value and quickest delivery in the market today to fund your business investment.

But There's More. Much More.
Let’s start with paperwork and qualifying. Your bank will typically ask for evidence of every asset you own as well as your credit report and tax records. That can spell delays, uncertainty, high costs, and lost opportunities. Your transaction is reported to credit bureaus. Your banker decides which investments are “prudent” when determining their offer.

Again, not so with LeverageLine. Here’s what you need to qualify for up to 95% loan-to-value at rates below the best mortgages: Grab a copy of your brokerage statement and apply via a simple, one-page, secure online application. That’s it. You’re approved.

Where’s the catch?
Sorry. No catch.
From Ideas...To You
LeverageLine's Client-Requested Features

Your LeverageLine comes pre-packed with many unique features that sets this financing programs apart from any other securities-based credit line. It’s built from the ground up with your input, and we are adding new features regularly.

Your LeverageLine comes pre-packed with many unique features that sets this financing programs apart from any other securities-based credit line. It’s built from the ground up with your input, and we are adding new features regularly.

> No transfer of title of securities to lender — no ownership change.
> Securities remain in your solely-owned brokerage account at UBS at all times.
> Your account at your lending brokerage is identical to any modern US account.
> You can integrate your existing advisor to assist with trades if you wish.
> You can trade in your account as always (with minor limitations).
> You pay interest only on what you draws, with no other lender-side fee.
> Rate is a discounted base plus 30-day LIBOR
> Our clients receive preferred service via A. B. Nicholas' institutional partnerships.
> You have 24/7 online access, reports on demand, access to your advisor for free.
> You can access your funds in eight business days on average; draw what you want/need.
> You will receive a checkbook and can wire at no cost via phone.
> You are building a financial relationship with a top-tier, fully licensed SIPC/FINRA brokerage/banking firm.
> Your advisor is a fully licensed Certified Financial Planner/RIA and FINRA member.
> Your LeverageLine quote is best in market.
Capital gains taxes occur with a sale/ownership change; neither occur with LeverageLine.

> Fast funding in 2-3 weeks
> Avoid penalties or taxable distributions
> Start debt-free and reach profitability faster
> Buy a new franchises or an existing business
> Money can be used for any normal business expense including collateral for a loan
You can pay the fees on the back-end

Diamond Franchise Funding
Estimated Days: 20-30 Days

Many business owners unfamiliar with the DRF program are interested to learn about its legality and history. Here is a brief history of the program and some of the most frequently asked questions.

Why is DRF legal?
In short, retirement law specifically allows these transactions, as long as you follow the rules. The Employee Retirement Income Security Act of 1974 (or ERISA) is a federal law that governs retirement accounts. It has specific guidelines which allow businesses to sell their company stock to employee retirement accounts in exchange for cash. As long as your business abides by these requirements, the DRF is legal.

Why can't I use my self-directed IRA?
You cannot work at a business in which your IRA invests. If you have any responsibility of an officer or director, you become a “disqualified person.” An IRA does not meet the requirements of an eligible individual account plan.

FranBank is a specialty financing program designed for franchisees of approved franchise brands and for independent, non-franchise businesses. Our network of conventional bank partners provides an alternative to current traditional conservative and time consuming lenders.
Qualified candidates are offered capital finance for their franchise and business acquisition or expansion requirements, at or below conventional loan rates. Closings can occur within 45 days on an expedited basis.
The benefit of FranBank is, through our detailed modeling, our ability to collateralize the cash flow of your existing and that of the target business. This generally allows for much lower cash injection (down payment) than would otherwise be required – something that expanding businesses find very attractive.

> Direct lender relationships
> Term Sheet and commitment available within 14 days
> Target loans are at conventional rates and generally in the 4.5 - 7.5% range
> Strong emphasis on Franchisee track record, de-emphasizing personal collateral where possible
> Loan sizes from $1 million to $10 million, but can be higher on a case by case basis
> All out of pocket fees are generally credited against your equity contribution
> Lender fees are payable at closing DFS fee only if successful funding
> Loans are generally amortized over 7 - 10 years, longer for real estate based transactions
> Pro-Franchise conventional Lender partners

What Transactions Qualify?
Acquisition financing for single-unit, multi-unit & regional / area developments
Funding for candidates seeking additional unit(s)
Financing for equipment and leasehold improvements
Refinancing/combination financing

Why FranBank?
Loans starting at $1 million. Typical loans range from $1 to $10 million but can by higher on a case by case basis.

SPEED
We usually offer an initial indication of approval in days, not weeks or months.
SIMPLICITY
Our team of advisors will assist you through the underwriting maze making the loan placement process significantly less complex.
CUSTOMIZATION
Each individual is unique with their own reasons for expanding their franchise business. We design a loan package that best suits your needs.