Illustrative walkthroughs of how a working commercial finance broker structures common file types — the way you'd brief a junior broker on Monday morning. Situation, structure, outcome. No borrower names because there are no specific borrowers.
The scenario and numbers below are an illustrative example of how a working commercial finance broker approaches this type of file — not a specific transaction closed by Steady Path Funding. Every industry, location, and identifying detail is fictionalized. Actual terms depend on your credit, revenue, and lender fit.
A regional shoe-store franchisee had three-and-a-half weeks to stock five locations before Black Friday. Inventory needed to be paid in full at wholesale before it shipped. Here's the illustrative Working Capital LOC structure that closed without a personal guarantee.
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An 18-month bridge on a Newark 4-plex was about to reset to a punitive extension rate. The investor needed to refinance into a real long-term product before month 20 — with a DSCR profile the community bank couldn't stomach. Here's the illustrative structure.
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A seasoned flipper had a signed contract on a distressed intown property. Ten days before close, the community bank he'd used for eight years put a 60-day hold on new commercial originations. Here's the bridge structure we ran, and why the borrower actively chose not to save money.
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A hurricane, a personal FICO of 590, and a broken walk-in freezer at the worst possible moment. Here's how we structured a two-stage file: fast, expensive capital to survive the season, then a graduated refinance into working capital once the credit had recovered.
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A 12-year auto-repair shop needed emergency capital to replace a burned-out alignment machine before the summer inspection rush. An unresolved state tax lien was disqualifying every bank on the list. Here's the illustrative revenue-financing bridge that made the fix possible.
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A Pennsylvania long-haul carrier had a 90-day window to add capacity before a new produce contract kicked in. Three refrigerated trailers, no time for an SBA, no appetite for stacking short-term debt. Here's the equipment-only file that closed in under a week.
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A four-year e-commerce apparel brand doing $2.4M annually needed to pre-buy Q4 inventory to hit a Black Friday floor price. Every bank was reading the 620 personal FICO and stopping. Here's the illustrative revenue-financing structure that got them to the wire.
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An Ohio laundromat owner had run one location profitably for six years. The strip mall next door came up for sale — the same owner, same equipment, same customer base. Here's how we walked an acquisition SBA 7(a) from LOI to funded in 51 days.
Read the walkthroughAn 8-year residential HVAC contractor. 47% YoY revenue growth. But a June install queue demanded $180K in equipment inventory before commissions cleared. Here's how we structured the file.
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