Frequently Asked Questions

No. SW Capital Advisory is an independent capital advisory firm. We help business owners evaluate their needs, prepare opportunities, compare financing paths, and coordinate with appropriate capital sources. All financing is provided and approved by third-party lenders or funding sources.

We help evaluate lines of credit, working-capital loans, equipment financing, SBA financing, commercial real estate financing, term loans, asset-based lending, factoring, bridge financing, and private-capital solutions. The appropriate path depends on the business objective, financial profile, timing, available collateral, and expected source of repayment.

SW Capital Advisory primarily works with established small and lower-middle-market businesses nationwide. Financing needs may range from approximately $50,000 to more than $5 million. Every opportunity is evaluated individually because revenue, time in business, credit, cash flow, collateral, and the intended use of funds can affect available options.

Possibly. A bank decline does not always mean the business has no financing options. The requested product may not have matched the business’s financial profile, collateral, timing, or intended use of funds. We can review the situation and determine whether another structure or capital source may be appropriate.

The initial review begins with a concise description of the business, the amount requested, the intended use of the capital, annual revenue, time in business, and desired timing. Additional financial statements, tax returns, bank statements, debt schedules, or supporting documents may be requested after the initial conversation.

No. Submitting the Initial Capital Review does not, by itself, authorize a credit inquiry. If a lender or capital source requires a personal or business credit review, the nature and timing of that inquiry will be discussed before the opportunity is submitted.

SW Capital Advisory may receive an advisory fee paid by the client, a fee paid by the lender or capital source, or a combination of the two. The applicable compensation arrangement will be disclosed in the engagement agreement before services begin.

Timing depends on the type of financing, requested amount, complexity of the opportunity, responsiveness of the parties, and availability of complete documentation. Certain working-capital or equipment-financing transactions may move relatively quickly, while SBA, acquisition, and commercial real estate financing generally require more time. Financing approval and funding timelines cannot be guaranteed.