LANAM CAPITAL & ADVISORY Apply Now
Traditional & Structured Financing

A Higher
Standard
of Capital.

Commercial real estate loans, asset-based lending, equipment finance, receivables financing, SBA programs and lines of credit — structured with care by industry experts who see every deal through to funding.

Apply Now Explore Financing
Looking up between two mirrored glass towers toward the sky
The Lanam Group Refined in approach.
Clear in execution.
01 Capital Solutions Traditional financing, tailored to how your business actually operates.
02 Advisory Expertise Strategic guidance from first conversation through closing.
03 Lasting Value Relationships built for what’s next.
Private boardroom with a live-edge wood table and leather chairs
Our Approach

A more strategic
path to capital.

The right financing isn’t only about approval. It’s about structure — the term, the collateral, the covenants and the strategy behind it.

Lanam Capital & Advisory delivers traditional financing to established businesses, owners and real estate investors. We take the time to understand your business, explain your options in plain language and manage every step — from the first meeting through underwriting to funding.

Many of our clients come to us after relying on short-term, high-cost funding. Our role is to chart a clear path toward longer terms and lower cost of capital.

Financing Solutions

Capital shaped
around your goals.

Each financing type solves a different problem. Below is a clear guide to how each one works, who it suits and what underwriting looks for — so you can walk into the conversation informed.

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01 · Commercial Real Estate

Financing for the properties that build long-term value.

Loans to purchase, refinance, construct or reposition commercial property — multifamily, industrial, retail, office, hospitality, mixed-use and owner-occupied buildings. Loans are sized against the property’s value and the income it produces.

Common structures Bank & credit union permanent loans Bridge and value-add financing Construction-to-permanent SBA 504 for owner-occupied property
What we review Debt service coverage (property cash flow) Loan-to-value and appraisal Rent roll and operating history Sponsor experience and liquidity
02 · Asset-Based Lending

A line of credit that grows with your balance sheet.

An asset-based loan is a revolving facility secured by receivables and inventory — and sometimes equipment or real estate. Availability is set by a “borrowing base” that is recalculated as your collateral changes, so access to capital rises as the business grows. Advance rates on receivables are typically higher than on inventory or equipment.

Well suited for Manufacturers and distributors Wholesalers with seasonal swings Fast-growing or acquisitive companies Turnarounds and refinancings
What we review Receivables aging and concentration Inventory type and turnover Quality of financial reporting Collateral field exam and appraisal
Forklift at the end of a long warehouse aisle lined with wrapped inventory
Excavator bucket releasing soil against a clear sky
03 · Equipment Finance

Acquire the assets that drive revenue, and preserve cash.

Loans and leases for new or used equipment, where the equipment itself serves as primary collateral. Existing equipment can also be refinanced or placed in a sale-leaseback to unlock equity already on your balance sheet.

Structures Equipment finance agreements (EFA) $1 buyout and fair-market-value leases Sale-leaseback and equipment refinance
Common assets Construction and heavy machinery Trucks, trailers and fleet vehicles Manufacturing, medical and technology equipment
Photo: Adrian Sulyok
Freight trailers backed into a distribution center loading dock
04 · A/R Factoring

Turn outstanding invoices into working capital.

With factoring, you sell open invoices and receive an advance on their value right away. When your customer pays, you receive the balance less a fee. Because approval leans on your customers’ credit, factoring is often available to younger or rapidly growing companies.

Options Recourse and non-recourse factoring Full-ledger or selective (spot) factoring A clear path to an ABL facility as you scale
Well suited for B2B companies offering 30–90 day terms Staffing, transportation and manufacturing Government and large-enterprise contractors
Business owner in a navy suit buttoning his jacket on a staircase
05 · SBA Loans

Government-backed programs with longer terms.

SBA loans are partially guaranteed by the U.S. Small Business Administration. The guarantee typically allows longer repayment terms and lower down payments than conventional financing.

SBA 7(a) Business acquisitions and partner buyouts Working capital and debt refinancing
SBA 504 Owner-occupied commercial real estate Long-life equipment, with long fixed-rate terms
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06 · Lines of Credit & Term Loans

Flexible capacity and fixed-structure capital.

A revolving line of credit lets you draw, repay and draw again as needs arise — paying interest only on what you use. A term loan provides a lump sum repaid on a fixed schedule, well suited to a defined investment.

Lines of credit Working capital and payroll timing Inventory purchases and seasonal needs
Term loans Acquisitions and expansion Refinancing higher-cost or short-term debt
At a Glance

Which structure fits?

A side-by-side view of how each option is secured and approved. Many businesses use more than one.

FinancingSecured byBest forApproval driven byRepayment
Commercial Real EstateThe propertyPurchase, refinance, constructionProperty income, value and sponsor strengthLong-term amortization, fixed or floating
Asset-Based LendingReceivables, inventory, equipmentAsset-rich, growing companiesCollateral quality and financial reportingRevolving, tied to a borrowing base
Equipment FinanceThe equipment itselfAcquiring or refinancing assetsBusiness credit and asset valueFixed-term loan or lease
A/R FactoringPurchase of invoicesB2B firms with slow-paying customersYour customers’ creditworthinessSettles as customers pay
SBA LoansBusiness assets and real estateAcquisitions, owner-occupied propertyCash flow, credit and owner equityExtended terms, lower down payment
Lines & Term LoansBusiness assetsWorking capital, expansion, refinancingCash flow and credit historyRevolving or fixed schedule
Built for What’s Next

From short-term funding to traditional capital.

If your business has relied on daily or weekly-pay advances, you are not locked into them. We review your current obligations, identify what it will take to qualify, and build a plan to transition into bank-grade financing with longer terms and lower cost.

Consolidate or refinance existing short-term positions Strengthen financial reporting for underwriting Use bridge financing where it shortens the path Graduate into term debt, SBA or an ABL facility
They laid out a plan so we could be approved for a traditional loan. By the next quarter we had a five-year term loan at a fraction of what we had been paying.
Marie R. · Louisiana
The Process

Where strategy
meets opportunity.

  1. I

    We Meet

    You apply, and a senior advisor sits down with you to learn the business, the goal and the timeline.

  2. II

    We Discuss

    We walk through the options that fit, explain each one in plain language and agree on the right structure.

  3. III

    We Underwrite

    We gather your documents, analyze the financials and collateral, and build a complete credit package.

  4. IV

    We Approve

    Terms are finalized and approved, with every condition explained clearly before you commit.

  5. V

    We Fund & Grow

    We close and fund, then stay with you as your capital partner for what comes next.

Advisor reviewing documents with two clients
Be Prepared

What we’ll ask for

Requirements vary by financing type. Having these ready moves underwriting along considerably faster.

Two to three years of business tax returns Year-to-date P&L and balance sheet Recent business bank statements A/R and A/P aging reports Schedule of existing debt Personal financial statement for owners Rent roll and operating statements (real estate) Equipment quotes or invoices (equipment)
Client Perspective · Commercial Real Estate Refinance
“Between the creativity and relationships, I don’t believe anyone else could have gotten this done.”
Joe C. · Massachusetts

A term sheet within weeks and a closing the following month — refinancing existing debt, improving cash flow and funding an expansion.

Questions

Clarity, before
commitment.

Don’t see your question? An advisor is glad to walk through your situation.

Executive boardroom with wood chairs and floor-to-ceiling windows
What is the difference between ABL and factoring?

Asset-based lending is a loan: you borrow against receivables, inventory and other assets and keep control of collections. Factoring is a sale: your invoices are purchased at a discount and your customers remit payment to the account designated for collections. ABL generally costs less and suits established companies with solid reporting; factoring is more accessible for younger or fast-growing businesses.

Can I qualify if I currently have short-term funding?

Often, yes. Existing advances or short-term loans don’t automatically disqualify you. We review your obligations and cash flow, then outline the steps — sometimes including a bridge — to move into traditional financing.

How long does traditional financing take?

It depends on the product. Equipment financing and factoring can move quickly once documents are in hand. Commercial real estate, SBA and ABL facilities involve appraisals, field exams or third-party reports and typically take longer. Having your documents ready is the single biggest factor.

Who will I work with?

A dedicated senior advisor leads your transaction from the first meeting through funding. You’ll have one point of contact who knows your business and keeps every step moving. All financing is subject to credit approval and underwriting.

What happens after I apply?

A senior advisor reviews your application and reaches out to schedule a meeting. From there we discuss your goals, outline the options that fit and begin underwriting.

Apply

Capital aligned
with your vision.

Tell us about your business and what you’re looking to accomplish. Every application is reviewed personally by a senior advisor and handled with discretion.

Apply Now Call 877-LANAM30
Office 1515 S Federal Highway, Suite 301
Boca Raton, Florida 33432
Telephone 877-LANAM30
Email admin@thelanamgroup.com
Also from The Lanam Group Need speed-focused working capital? Visit Lanam Funding.