Securing Capital for Acquisition, Perpetuation & Capitalization

Business Acquisition

April 2, 2015


Perpetuation Funding, jointly owned by Bill Friend and Sam Patterson, works with service related businesses to supply the FUNDING needed for Acquisition, Perpetuation and Capitalization. The average age of business owners is approaching 60 years old. The baby boomers are quickly entering retirement or it's just around the corner.

Business transition funding has become a high priority however, it usually comes after negotiating the terms of the sale.  Unfortunately, banks do not always provide the funding necessary for a smooth retirement for owners. More often than not, businesses come to Perpetuation Funding trying to fix the "Broken Deal" from the bank. Should a service related business sale not be fully collateralized with today's banking mentality, then options become slim. At Perpetuation Funding, we look at the "Cash Flow" of the business from both the seller and buyer's perspective.

After initial financial underwriting and the business cash flows, we can offer very attractive financing options if the buyer meets our criteria.

  1. 650 or better credit score.
  2. No recent bankruptcies.
  3. No recent homeowner short sale.
  4. No tax liens.

Generally, we can offer 10 year amortization, Prime + 2 2/3% interest (6%), and no pre payment penalties. Rates are variable but on most cases, buyers can purchase a rate SWAP to get a fixed rate. So don't let the banks string you along only to reject your loan after months of time and effort. Let our platform of 12 unique lenders do all the work for you. Contact us and get it done right the first time.

Bill Friend, Principal
7603 First Place Dr., B-12
Cleveland, Oh. 44146
866.FRIEND.0 (374.3630)
866.839.3090 fax
216.225.4321 cell
**INSURANCE AGENT LOANS - BUSINESS LOANS for Acquisition, Perpetuation and Capitalization.

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