"Applying for a loan can be an intimidating experience for business owners. With Rich's help, ours was instead an enjoyable and educational experience."

Dave Riggle, President, EMS

Financing Your Growing Business

"In today's marketplace, just putting together a great loan package does not guarantee a loan."

- Rich Russakoff

The market has changed; the players have changed; and the rules of the game have changed. In order to successfully achieve your financial objectives, it is imperative to know how the game is played and how to win it.

Let one of the nation's foremost experts on capital acquisition and strategic planning assist you in obtaining the financial resources you need to grow and develop your business.

Richard Russakoff is the former Senior Consultant for loan packaging and capital acquisition for Inc. Magazine's Business Resources Division. In that capacity and as president of his own consulting firm, Rich has maintained a 100% success record in obtaining funding for his clients. In every case his clients have acquired all of the funding they sought (and in many cases more) at the best possible terms and conditions.

His success is based on his Fourteen Point Process. He has conducted seminars on this unique Process for many organizations, including: Inc. Magazine's Growing the Company Conferences and Financial Strategies Conferences, Key and Hibernia Bank, and Blue Cross Blue Shield.

"As a matter of fact, the business plan you created was so comprehensive that we actually secured a significantly higher line of credit than we were originally seeking because of it. Your experience and guidance has been invaluable. We couldn't have done it without you. Thank you very much."

- Doug Dohring, CEO, The Dohring Company

Utilizing Richard Russakoff's Unique 14-Step Process, Bottom Line Consultants Will Do the Following for You: 

  • Determine the amount, terms and conditions you need

  • Evaluate viability of your loan opportunity & determine financing strategies

  • Prepare a "Knock Your Socks Off" Loan Package

  • Provide what bankers need and want in a loan package

  • Show you how loans are scored by bankers

  • Determine the time frame and cost of the project

  • Explore the types of loans and financing available: Start-Up, Refinancing, Working Capital, Lines of Credit, Term Loans, Seed Capital, etc.

  • Assess alternative ways to finance your business needs: SBA or SBA guaranteed loans, private investors, asset based lenders, investment bankers, partnerships, county & state business development programs, IPO's

  • Identify the right banks, or other financing institutions to make presentations to

  • Teach you what to say and do when prospective lenders say "No"

  • Pre-test your presentations

  • Be part of the loan presentation team

  • Ask the right questions to determine if a lender is the right fit for you. 

  • Create an environment in which bankers/lenders are actually competing to loan you money

  • Manage the negotiation process with you

  • Help you select the best offer for your needs

  • Structure the best deal

  • Implement a Back-Up Bank/Lender Strategy

  • Coach you in how to build a positive, long term relationship with your banker/bankers or other lenders

  • Design a long-term action plan to continue growing your business & implement the plan
"Afterward our banker told me that it was the best business package and presentation he had ever seen. We did not have to shop around that year for a bank to take us, but in the future, if we ever felt the need to go bank shopping, I feel sure that our package will insure us of being accepted by any bank."
- Celesta Hoffman, Greendell Mulch & Mix

BLC can assist you with all or part of your loan package and presentation. BLC specializes in obtaining loans above $500,000.

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