More About Concepts Consulting...

Over the past several years, Paul has overcome these challenges and proven his success with placement of difficult loans, many of which have been possible through partnerships with the Small Business Administration (SBA), U.S. Department of Agriculture (USDA), and other government agencies via commercial lenders who understand that long-term financing packages enhance the success of small business owners. Unlike many other companies that place loans, Concepts Consulting differentiates itself by assisting companies with all levels of financing needs, thus providing access to capital for all businesses.

Concepts Consulting provides clients with these advantages...

Structuring the type of loan that makes the most sense for the client.
All types of loans are considered including SBA, USDA, conventional and nontraditional lenders.
Thinking out of the box, being creative.
Providing long-term financing solutions and continuous counseling long after the financing is complete.
Maintaining an up-to-date financial resources database to ensure the client has every available option.

Concepts Consulting works with hard to place loans including...

Industry segments that banks tend to consider high-risk such as restaurants, bars, gas stations, and "Mom and Pop" type businesses.
Single use properties such as car washes, bowling centers and nurseries.
Businesses experiencing one or more financial challenges but have great potential for turnaround trends.
Businesses that will benefit with cash flow savings resulting from long-term financing packages.

Concepts is successful for the following reasons...

We continually update our knowledge of SBA programs and policy that keeps us on the cutting edge of Guaranty financing.
We are respected as the number one SBA loan consultant in our market area as measured with lender feedback.
We have developed a niche in our market area as THE Finance Consulting firm for hard-to-place challenging loans.
We are committed to our clients and responsive to their needs; our clients� success is our success.

"He listens to, and is expert in, securing financial resources for both small and large businesses..."

- Willard Carne
President of the Job Force Board

"I consider Paul to be one of Upper Peninsula's foremost experts and promoters of creative financing programs."

- Kevin Tenpas
President, Wisconsin Business Bank

"Your selflessness and ability to serve others has been an inspiration to those around you..."

- Bart Stupak
Member of Congress

Types of Loans

SBA 7(a) loans are the most basic and most used type loan of SBA's business loan programs. Its name comes from section 7(a) of the Small Business Act, which authorizes the Agency to provide business loans to American small businesses.

The CDC/504 loan program is a long-term financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings. A Certified Development Company is a nonprofit corporation set up to contribute to the economic development of its community. CDCs work with the SBA and private-sector lenders to provide financing to small businesses.

The Business and Industrial (B&I) Guaranteed Loan program guarantees loans by commercial local lenders to businesses in rural areas. By guaranteeing loans made by commercial lenders against a portion (up to a maximum of 90 percent) of loss resulting from borrower default, the B&I Guaranteed Loan program is meant to expand the available credit for businesses. B&I guarantees can result in a number of benefits to such businesses.