The Interbanc Group

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Products & Industries

Products
• Real Estate Finance The Interbanc Group is a nationwide commercial lender and private equity source. We specialize in providing financing for debt or equity transactions utilizing financial engineering and structured finance techniques to deliver fast, flexible service, cutting edge risk management techniques, sound & creative financing solutions and better personalized customer service than bank financing. IBG provides an array of financing options to meet the varying needs of real estate developers and investors nationwide.
Conduit Lending. Construction Financing. Residential Project Financing. Mini Perms/Term Loans. Letters of Credit. Lines of Credit. Mezzanine Financing. IBG MultiFamily Capital. Syndication Capabilities for Large Transactions.
• Bridge/Hard Money Loans The Interbanc Group specializes in bridge loans for commercial property, land development, workouts, bankruptcy and foreclosures. Bridge financing is used to help close a loan fast, for repositioning, for unconventional loans or collateral types that do not meet the bank requirements. We provide creative alternatives that enables us to close on these equity-based commercial bridge loans of $1 million and up as fast as 5 days! Interest rates are dependent on the risk analysis of each project, but typically range from 10% and up with fees starting at 2%. If you need speed and fast closing we are your number one option
• Commercial Real Estate The Interbanc Group specializes in providing financing on a wide range of middle market real estate for conventional and non conventional real estate types and financing structure. Some of the product types are: Apartments Office Buildings Office Condos Retail Automotive Mixed Use Warehouse Industrial Self Storage Mobile Home Parks Bed & Breakfast Hotel/ Motel Construction Land Other non-conventional real estate projects
• HUD Financing - Multifamily The Interbanc Group has the experience to underwrite FHA-insured mortgage loans for multifamily housing. We have the lending experience and extensive knowledge of HUD's highly complex, specific loan programs, The Interbanc Group Mortgage Finance unit has capabilities beyond the traditional lender.
• Mezzanine/Subordinated Debt IBG specializes in providing creative on-balance sheet mortgage capital to owners of commercial property throughout the United States. The Interbanc Group offers senior and mezzanine loans on a variety of real estate, including office, industrial, multi-family, healthcare and special use. Our senior debt activities focus on bridge financing for single property transactions, portfolio acquisitions and a multitude of other value-added investment strategies. Our mezzanine program allows clients to access higher-leverage financing for use in acquisitions, asset repositioning or simply to unlock equity ''trapped'' behind conduit loans.
• Real Estate M&A IBG specializes in financial solutions for the acquisition, development, permanent financing and operation of CRE nationally. IBG Real Estate Finance offers treasury and investment management, access to the capital markets, commercial mortgage loan servicing and other products and services to clients that develop, own, manage or invest in commercial real estate.
• Second Trust Deed IBG provides options for financing needs with closed-end, fixed-rate equity loans ideal when you're borrowing for a specific purpose.
• Single Family Loans The Interbanc Group has dedicated significant expertise and financial resources to meet the capital needs of residential buyers nationwide. Also the company works with middle market businesses which originate and acquire first and second residential mortgages, commercial mortgages as well as bridge and hard money loans. We specialize in providing capital to independent finance companies located throughout the United States.
• 1031 Exchange Section 1031 of the IRS code permits investors to dispose of an existing property and acquire another "like-kind" investment without recognizing income on the transaction because the capital gains tax is deferred. Through 1031 Exchange, we help you structure a safe deferral, with strategic reinvestment into the replacement property and a competitive return on the tax deferred proceeds. And because Comerica’s 1031 Exchange Services fully comply with all Treasury Department regulatory requirements, you can have the fullest confidence in the transaction.
• Asset-Based Lending The Interbanc Group specializes in providing flexible financing options with floating rates or senior stretch credit facilities to middle market companies with revenue between $2.5 and $50 Million. Uses of funds can be for working capital, and for acquisitions, refinancing and recapitalizations. We believe that speed to market, underwriting, financial strength and our experienced underwriting staff are what separate us from our competitors, to provide our clients with sophisticated financing solutions. The value, quality and liquidity of your business assets determine the loan amount for which your business can qualify. This lending tool is a way to accelerate cash flow and help your company operate during seasonal periods or difficult cycles. Both standard assets (accounts receivable, inventory, property, plant and equipment) and non-standard assets can be considered as collateral when applying for an asset-based loan. When used strategically, asset-based loans can drive flexible, corporate growth. More liquidity through a stronger cash position Flexible credit lines that grow to keep pace with your business Faster cash advances to effectively meet seasonal expenses, rapid growth cycles and acquisitions
• Accounts Receivable Financing A revolving line of credit secured by accounts receivable is among the most efficient ways for a company to get the cash it needs for day-to-day operations--to pay bills, increase inventory or meet payroll. By using its accounts receivable as collateral, a company can get a business loan for whatever it needs, for however long it needs it, without taking on extra term debt or diluting its equity. Accounts Receivable Financing for all types of AR. We do most types of AR. Advance Rates up to 85% Same Day Funding One of a Kind Custom Tailored Programs
• Asset Backed Debt Structure and Placement Most asset-based facilities are structured with maturity terms that match the duration of the collateral. We can provide conventional or bridge financing on the financing of these assets.
• Factoring We provide working capital to small-to-medium-sized businesses across the U.S. Immediate access to your working capital Increase your sales and profitability Fulfillment of your payroll and tax demands Preservation of your creditor status Professional credit support
• Leasing IBG's Leasing Group. provides business loans and equipment financing, and leasing services! Leasing permits 100% financing with no down payment, and includes warranties, tax, freight, and installation. Leasing costs can be structured as off balance sheet transactions without appearing as a liability on your balance sheet, and lease payments may be 100% tax deductible as an expense in your operating budget. Leasing also frees working capital, and conserves your bank credit lines. Leasing offers flexible payment plans, and payment amounts are fixed. Types of Lease Financing Office Equipment Commercial Equipment Industrial Equipment Medical Equipment Computer Equipment Restaurant Equipment Fleet Leases
• LOC Lines Of Credit IBG can arrange a Business Line of Credit (LOC) designed to meet the short-term working capital needs (inventory purchases or to pay operating expenses) of the client company. Generally, collateral and loan guaranty are not required for approval, unless the applicant’s basic credit criteria is not met. The amount of the Business Line of Credit (LOC) will depend on the firm's historical and/or projected annual revenues and cash flow.
• Mezzanine/Subordinated Debt Financing IBG invests in securities that fill the financing gap between senior bank debt and common equity. Mezzanine investments are generally structured as subordinated debt or preferred stock with a current cash coupon and an equity participation feature, usually in the form of warrants. For middle-market clients with "high growth" capital requirements, the Interbanc Group’s mezzanine finance group offers funding that is structured beyond asset-based senior debt. The Group can assist with expansion capital, acquisitions, buyouts, bridge to equity, recapitalizations, and restructuring, problem loans and for an initial public offering (IPO). Transaction characteristics: Seasoned companies, Minimum EBITDA of $1.5 million, Good Management, proprietary products, and acquisition capital.
• Sale/ Leaseback Program IBG's Sale/Lease transactions help companies free the equity that is invested in their real estate or equipment. We improve a company's liquidity and balance sheet by purchasing their assets and then leasing it back to them with cash infusion. If real estate is not strategically important to your operations, why own it? By completing a sale/leaseback with The Interbanc Group, you can unlock the value in your real estate, increasing your cash on hand that can be used to grow your primary business. You will be paid full market value for your property which will provide cash to expand operations or pay down existing debt. Types of Lease Financing Office Equipment Commercial Equipment Industrial Equipment Medical Equipment Computer Equipment Restaurant Equipment Fleet Leases Transaction characteristics: Companies seeking to conserve working capital, access capital in paid off equipment or real estate. New or used
• Debt Capital Markets The Interbanc Group's Debt Capital Markets unit serves active participants in the secondary market who have demanding portfolio management goals. We work actively with parties looking to buy or sell whole loans or whole loan portfolios secured by commercial real estate and corporate debt.
• DIP Financing The Interbanc Group provides financing for companies while under the chapter 11 bankruptcy process.
• Distressed Debt Financing The Interbanc Group provides in-depth industry expertise and rapid execution capabilities to deliver innovative, flexible and timely financing solutions to a broad range of companies needing distressed debt financing.
• Foreclosures Organized as an experienced consultant with national practice leadership, we offer a highly competitive cost structure for first-tier clients and work. Financial distress also provides acquisition opportunities for those in a position to capitalize on them. IBG has the resources to respond to the time sensitivity of financial crises and the depth to provide whatever financing need in the time frame required. Our experience, resources and structured finance solutions allow us to solve the multidisciplinary problems presented by business insolvencies, including real estate, securities and mergers and acquisitions.
• Loan Participation's A loan participation* is created when IBG elects to sell/participate a specific loan to an investor; that is, IBG provides its investors the opportunity to invest in loans made by IBG: Structure - IBG provides its customers the opportunity to invest in specific originated loans. Borrowers - Variable, including public, non-public, rated, and non-rated Maturities - Typically overnight to 90 days. Rate - Trades on a money market yield with interest paid at maturity; typically as fixed rates or spreads over LIBOR. Benefits - Allows its customers to increase their yield versus comparable money market instruments and diversify their credit exposure. Considerations - IBG customers make their own independent credit decisions with respect to any purchases, as loan participation's are sold on a non-recourse basis, are non-negotiable, and are held to maturity. Delivery - IBG provides safekeeping facilities for its customers. Documentation - IBG customers must sign its Master Participation Agreement prior to buying a loan participation.
• Non-Performing Loan Restructures (Distressed Debt) Non-Performing Loan And Distressed Debt Acquisitions, The Interbanc Group’s Debt Capital Markets Group has a proven track record in this area and can even help you with assets either business or real estate in litigation, foreclosure or bankruptcy. We are uniquely positioned to provide you with rapid underwriting, pricing and funding. IBG has multiple solutions to support restructuring or acquisition of the company that decides to engage in reorganization through any form of debt restructuring, disposal of assets or filing for bankruptcy whether voluntary or involuntary. Commercial refinancing for longer or better terms can also give you the cash flow you need for meaningful business restructuring. Transaction characteristics: We can help you with disposal of assets, reorganizations, liquidations with access to Asset based Loans, Debtor-In-Possession Financing Plan-of-Reorganization Financing, Revolving Credit Facilities and Senior Secured Debt for Real Estate either Commercial or Residential and for corporate debt refinancing.
• Whole-Loans & Whole-Loan Pools The Group is active in trading commercial whole-loans and whole-loan pools in the (private placement) secondary market, on a fee based brokerage capacity, for and on behalf of IBG investors or client financial institutions. A whole loan or whole loan pool is a participation created when IBG elects to sell/participate a specific loan or loan pool to an investor; that is, The Interbanc Group provides Interbanc Acceptance Corporations (IBAC) customers the opportunity to invest in loans made by IBG. Structure - IBG provides its customers the opportunity to invest in specific originated loans Borrowers - Variable, including public, non-public, rated, and non-rated Maturities - Typically overnight to 90 days Rate - Trades on a money market yield with interest paid at maturity; typically as fixed rates or spreads over LIBOR Benefits - Allows its customers to increase their yield versus comparable money market instruments and diversify their credit exposure Considerations - IBG customers make their own independent credit decisions with respect to any purchases, as loan participation's are sold on a non-recourse basis, are non-negotiable, and are held to maturity Delivery - IBG provides safekeeping facilities for its customers Documentation - IBG customers must sign its Master Participation Agreement prior to buying a loan participation. Our capital structure allows us to deploy capital expeditiously when the circumstances make sense. Taking a targeted approach to opportunities, we have a penchant for completing difficult deals and have a strong track record of leveraging our special situation experience through our Debt Capital Markets Group. This Group provides for high ROI, liquidity and reduced risk.
• Healthcare The Interbanc Group specializes in providing capita and consulting to healthcare providers nationwide. We provide capital to hospitals, doctors, nursing homes, medical practices, home healthcare companies, and others. Currently, we provide healthcare finance clients structured finance solutions from $1,000,000 and up. IBG has extensive knowledge of the healthcare industry which allows it to provide creative solutions to the clients problem's. The company provides flexible, asset-based loans and/or accounts receivable purchase funding's with speed to market at competitive rates.
• Healthcare Equipment The Interbanc Group provides flexible and creative financing options for new and used healthcare equipment.
• HUD Financing - Healthcare The Interbanc Group Finance LLC, is experienced to underwrite FHA-insured mortgage loans for a range of properties including skilled nursing, assisted living, psychiatric hospitals, board and care and acute care hospitals. With more that 60 years of combined lending experience and extensive knowledge of HUD's highly complex, specific loan programs, The Interbanc Group has Mortgage Finance capabilities beyond the traditional lender.
• Healthcare Leveraged Finance The Interbanc Group provides in-depth industry experience and rapid execution capabilities to deliver innovative, flexible and timely financing solutions to a broad range of middle market healthcare companies.
• Healthcare Real Estate The Interbanc Group provides in-depth industry expertise and rapid execution capabilities to deliver innovative, flexible and timely financing solutions to a broad range of middle market healthcare companies.
• Receivables Finance The Interbanc Group provides working capital with accounts receivables financing, lines of credit secured by accounts receivable,and for general corporate purposes.
• Business M&A IBG is a professional structured finance solutions representing small to medium sized businesses valued between $1,000,000 and $50,000,000. We offer a full range of services to buyers and sellers, including valuation and marketing packages, to facilitate the sale and acquisition of businesses. IBG�s commercial real estate financial services platform includes its Multi-Family Capital, Conduit Lending Group and the Real Estate Finance Advisory Group.
• Notes The Interbanc Group can provide flexibility and liquidity in the sale or purchase of all types of investment notes like Real Estate Notes, Business Notes, Structured Settlements, Viaticals and Bankruptcy Cash Outs.
• Mergers & Acquisitions The Interbanc Group�s M & A Unit acquires and invests in diverse operating assets and companies. We focus on complicated transactions that enable us to leverage our ability to complete due diligence quickly and fund change of control transactions as principals through our investment funds. We do not limit our investment criteria based on transaction size, geography, industry, or public / private status and we will consider additional, add-on acquisition candidates for our core portfolio. Our M&A investments generally focus on (i) acquiring a controlling interest in a company in order to assist management with operational improvement and capital projects in a longer-term hold strategy or (ii) providing capital to companies in order to allow the company to recapitalize and turnaround its operations. Transaction Characteristics - Our investment criteria is not based on transaction size, geography, industry, or public / private status as we will consider roll-ups and add-on acquisition candidates of all sizes for our core portfolio. The company can either participate through a debt or loan or can be involved thorough its own capital. The common characteristics of the acquisitions The Interbanc Group considers include: Solid market share with significant barriers to entry Tangible asset classes comprising a company’s balance sheet Diverse and stable customer bases Locations anywhere within the United States Excellent free cash flow metrics Experienced Management Mezzanine Financing IBG works with private equity firms and invests its own capital in securities that fill the financing gap between senior bank debt and common equity. Mezzanine investments are generally structured as subordinated debt or preferred stock with a current cash coupon and an equity participation feature, usually in the form of warrants. Transaction characteristics: Seasoned companies, Minimum EBITDA of $1.5 million, Good Management, proprietary products, and acquisition capital.
• Leverage Loans The Interbanc Group works closely with middle market companies and their investors to deliver sophisticated financial solutions that provide debt capital to facilitate Leveraged Buyouts, Leveraged Build-ups, Consolidations, Acquisitions and Roll-ups.
• Private Equity The Interbanc Group's structure enables us to deploy capital expeditiously with complete and implicit understanding of the assets value. With our experienced underwriting staff and financial tools IBG can move as your needs demand. We can participate with debt, leverage, or to acquire for an exit strategy. We have the capacity to complete individual transactions or to participate a loan up to $5 million with our own capital and up to $100 Million in conjunction with our strategic partners.
Industries
• Private Security Finance The Security Lending group at The Interbanc Group provides senior and mezzanine loans to US companies who protect life, property in the US. Our existing and target clients serve both the private and public sectors and are service, manufacturing and technology companies. The Interbanc Group can provide loans starting at $2.5 million to security companies throughout the US.
• Hotel/Motel IBG offers the best financing packages and the widest selection of SBA and Conventional products for Hotel Loans. WE offer not only the best pricing and structure for hotel/motel financing we can offer our clients access to our network of strategic partners that can help insure the projects short and long term success. With our experienced in hospitality finance we can provide financing for: New Construction Purchase of existing hotels Refinancing Remodeling/Conversions "Cash Out" lending
• Insurance and Risk Management The Group structures risk management and credit enhancement vehicles to support transactions in the secondary and primary commercial loan markets. The Group utilizes ART instruments such as credit indemnities, sureties, trade credit and financial guarantees as a form of collateral and credit support for structured transactions in the secondary and primary markets; the resulting credit enhancements enable clients to raise debt financing and liquidity in a more cost-effective and market-efficient manner. The Group aids borrowers by protecting lenders against (i) default losses on trading assets, and (ii) unforeseen declines in market value on capital assets, providing distressed borrowers with a layer of contingent equity. Lenders are aided by (i) the risk mitigation and credit enhancement facility, and (ii) further reduction of portfolio exposures through (structure and) placement of loan participation's and reverse-participation's.
• Film Finance The Group through its hybrid investment fund arranges film finance with innovative structure and risk management techniques to provide arbitrage, hedge risk and enhance returns. The group is positioned through WindHorse Entertainment to evaluate properties, packaging, distribution and marketing with structured finance techniques to provide above average and risk rated returns to the investors. Additionally we provide advisory services, finance loans, co-production services, gap financing and Print & Advertising finance. We also utilize our strategic partners and network of financiers, banks and hedge funds to support our financing goals. The company access�s both public tax subsidies in Europe besides institutional and private investment for feature film production.
• Consulting Our consulting Group is an in-house team that assists in managing and integrating new acquisitions, customer consulting as well as providing insurance, risk management, finance, accounting, legal, risk management, human resources, and information technology support services. We actively support our investments and clients by providing not only our capital, but access to the operational resources an individual asset or company would not normally have access to as a stand-alone entity.
• Franchise Finance The Interbanc Group provides Franchise finance programs for established Franchises for new location financing, equipment financing, remodel or resale finance and through our SBA program. We do Franchises from $200,000 to $2,000,000 with interest rates tied to prime fully amortized with no balloon payments. Terms can be as long as 20 years or longer depending on the opportunity. What we finance: Startup new Franchise Businesses , Purchase of existing Business, Construction of new building, purchase of existing building, remodel of existing business, equipment, furniture, fixtures, inventory, working capital, franchise fees and soft costs.
• Non Conventional Collateral Types The group specializes in collateral or financial structures that does not meet the guidelines of the banks. The company can finance structures that are as non-conforming as the collateral.