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Small Businesses contribute 55% to the GNP of the United States, pay 70% of federal taxes, and are the largest growing sector of the economy. The Problem Although small businesses are the largest contributors to the economy, they experience a failure rate of 80% during the first five years. Half of the survivors fail over following three years. The major reasons for failure are lack of sufficient capital, business knowledge, and no exit planning.The Solution In its 28 years of working with businesses, FMC Financial Services, Inc. has identified the necessary business components and provides the solution by providing financing, knowledge, and exit planning. Business success and wealth are achieved at a 90% success rate. Financing Since capital is not easily accessible to emerging businesses, FMC Financial Services, Inc. has developed a variety of financing solutions using federal programs and equity capital. Financing includes 7-a, 504, B&I, SBIC, MESBIC and private investment capital. Knowledge The most important behavior distinguishing an entrepreneur from a business owner, is that an entrepreneur takes responsibility to understand the “business side of the business”. Failing that, they just own a job with all the related debt. Seminars: A series of thirteen essential business seminars and are offered on a regular basis. Examples are “Your Access to Capital”, and “The Five Biggest Mistakes in Business and How to Avoid Them”. FMC School of Business for Business Owners: FMC Financial Services, Inc. employs a distinctive teaching method developed from years of practical experience and problem solving. Three semesters are offered, and a background in accounting and finance is not required. Exit Planning Put simply, Exit Planning is about leaving your business on your own terms. It is one of the most essential parts of your overall Business Plan, and ensures you will receive the maximum financial return for your business and minimize you tax liability. Eventually every business owner will exit their business even if it is “feet first”. FMC has developed a proven system that assures an orderly transfer of ownership when you leave your business while realizing the maximum wealth for your hard work. Senior Management To assure that the highest quality of advice and service is available to our clients, seasoned professionals, having a combined 177 years of experience are ready to assist. Value Added Services Business Plans, Business Models, and Business Valuations Exit Planning, ESOP, Business Brokerage, Franchising Business Turnarounds 8-a Minority Business Contracting, Business Education - Business School.
fmc financial services index page graphic fmc financial services index page graphic
fmc financial services index page graphic
fmc financial services index page graphic fmc financial services index page graphic fmc financial services index page graphic fmc financial services index page graphic fmc financial services index page graphic
fmc financial services index page graphic

Frequently Asked Questions

How long has FMC been processing financing requests, and what is their approval rate?  28 years, 98% 

What is the minimum size loan request?   $200,000

Do you accept start-up loan applications?   Yes   The company must present a business model, which includes three years of monthly projected Income statements with assumptions, quarterly balance sheets and cash flow statements using the indirect method

Do you accept loan requests without sufficient collateral but adequate cash flows?  Yes

How long does it take to process a loan request?   30 to 45 days from receipt of requested information

What is the minimum size equity request?   $300,000

How long does it take to process equity funding?  60 days in addition to the time to complete due diligence

How much do your services costs?  Each service has a different fee structure based on the complexity and program selected. Before any work begins, fees will be reviewed with the client and if approved, a contract signed.

What is the market area served?  The Southwest

What type of business structure is acceptable? All

Does debt financing require a personal guaranty? Yes   Owners with more than 19% ownership will be required to guarantee the loan.

What are the interest rates and maturities? Interest rates will range from fixed to floating over prime depending on the quality of the credit.  Maturities will range from 5 to 25 years.

What are the processing stages? 

  • Eligibility Analysis: analysis of the business’ most current financial statements including 6 critical financial ratios. The purpose is to determine if the business is eligible for financing. There is no charge.
  • Recommendations: A series of options are given to the client with associated costs and benefits. There is no charge.
  • Contract signed, Work begins 
  • Approval or Decline
  • Closing and Funding
fmc financial services index page graphic


fmc financial services index page graphic
fmc financial services index page graphic
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