Hair-Raising Deals? We've Got the Comb S1 E8

Cardinal Capital specializes in funding challenging commercial deals that traditional lenders reject, focusing on partner buyouts, businesses with performance dips, and commercial real estate with complications. We structure innovative funding solutions for these three common deal types that often get overlooked but represent significant opportunities for brokers and their clients.

• Partner buyouts that become complicated due to lack of equity, partner friction, or rushed timelines
• SBA 7A and mezzanine funding structures that work effectively with seller notes
• Performance dips from bad years, customer losses, pandemic impacts, or natural disasters 
• Focus on future performance potential rather than just trailing financials
• Commercial real estate with complications like unstabilization, mixed-use, or unusual tenants
• Extensive network of niche lenders and private capital sources for creative solutions
• Ability to structure around uniquely challenging aspects of otherwise strong deals

Contact us at info@cardinalcap.net, visit our website, or connect with us on LinkedIn to move those tough deals off your desk without losing your client relationships.

For more commercial capital information, contact us at info@cardinalcap.net

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Visit us online at cardinalcap.net 

Transcript

Welcome to Capital Talk

Speaker 1 0:01

This is Capital Talk , where commercial finance gets real . I'm Rob Powell with Cardinal Capital and today we're talking about three types of deals that often get kicked to the curb , but they're exactly what we're built for . You know the ones the partner buyout that gets sticky . The business with a dip in EBITDA , that real estate deal with just enough hair on it to make underwriting sweat . You don't want to say no , but you're stuck At Cardinal Capital . That's our sweet

Three Deal Types We Love

Speaker 1 0:32

spot . Now let's break down the top three deals that we love , deal types that we love , because we found them again and again and we funded them again and again , again and again and we funded them

Partner Buyouts Explained

Speaker 1 0:48

again and again .

Speaker 1 0:48

Number one partner buyouts . These get dicey , especially when there's no equity coming in or just enough friction between the partners to make it sour , or a rushed timeline . We'll bring in a SBA 7A or mezzanine funding structure around seller notes and we keep the bank out of a liability

Navigating Performance Dips

Speaker 1 1:05

mess . Second type is performance dips . It happens , one bad year , one customer loss , a post-pandemic hangover , natural disasters we get them all the time down here in South Louisiana and all over the southeastern part of the United States , or the business is still viable , but the trailing 12s won't cut it . We structure around what's next , not just what happened . Lenders appreciate our narrative approach and we make the cases they can't

CRE with Hair Opportunities

Speaker 1 1:36

.

Speaker 1 1:36

The third type CRE with hair . We're talking unstabilized properties or mixed-use assets , owner-occupied with oddball tenants , you name it . You see the risk , we see the opportunity . We work with niche CRE lenders private capital , non-traditional lenders to structure around the quirks . We've got a pretty extensive database and relationship with lenders that would jump all over this . So takeaway , don't be afraid to

How to Partner with Cardinal

Speaker 1 2:07

bring us your toughest deal . We've probably done one , just like it . Keep your clients happy and in your orbit . Let us be your yes partner for the deals you can't justify right away . Now you have a deal that's been living on your desk a little bit too long . Let's take it off your hands without taking your client . Shoot us a note at info at cardinalcapnet , visit us online or visit us on LinkedIn . There's some really good stuff there .