Acquisitions · Expansion · Commercial Real Estate · Equipment · M&A · Restructuring · Export & International Growth
Finding a lender is not the hard part. Structuring the transaction so that the right capital says yes is. Tell us what you are trying to accomplish; we help determine how it should be structured, prepared and taken to the appropriate capital channels.
A capital review is a confidential, no-obligation assessment of a transaction: what it is likely to need, how it should be structured, and which capital channels are realistic. It is the starting point for every engagement.
Straightforward requirements under $250,000 are handled faster by AAN Business Funding.
Situations that do not fit a single lender's box, involve more than one form of capital, or need to be assembled before anyone can say yes.
Purchase-price structuring, vendor take-backs, earn-outs and the debt/equity mix that makes an acquisition financeable.
Funding a transition without starving the operating business.
New locations, plant, fleets and equipment programs financed against the assets and the cash flow they create.
Portfolio restructuring, owner-occupied premises, construction and development, and the business-side analysis that supports them.
Consolidating facilities, replacing expensive capital, and repairing structures that no longer fit the business.
Working capital, receivables and guarantee structures for businesses selling outside Canada, including EDC-supported solutions where appropriate.
Business plans, projections and government-supported programs for ventures that lenders cannot underwrite on history alone.
Holding companies, related-party assets, multiple lenders, multiple forms of capital.
If a bank has said no without explaining why, the structure is usually the problem, not the business.
We do not submit applications to a list of lenders and hope. We determine what the transaction needs, assemble it, and take it to the capital that fits.
What you are trying to accomplish, what is preventing it, and what the transaction actually requires.
Sources and uses, capital-stack strategy, equity contribution, security, and how the pieces fit together.
Financial analysis, projections, business plan, executive transaction summary and a capital presentation package that a credit committee can read.
Banks, credit unions, BDC, EDC, equipment finance, asset-based lenders, private capital and government programs — matched to the structure, with licensed professionals engaged for regulated components.
Some transactions need a full preparation program: historical financial analysis, two- to three-year projections, a business plan, sources-and-uses, capital-requirement analysis, due-diligence package and capital presentation. That work is scoped and quoted in writing as a private advisory engagement after the capital review, never before we understand the transaction.
Mortgage financing is arranged by licensed mortgage brokerages. Securities, legal and accounting matters stay with the appropriate professionals. Our role is transaction advisory and preparation; we coordinate with those professionals rather than replace them.
Founder, Advanced Auto Network Inc.
North York, Ontario
Mario Nicastro has spent more than a decade structuring and presenting financing transactions for business owners, investors and professionals, including approximately nine years as a licensed Ontario mortgage agent with substantial funded volume, and dealer-partner development at a national auto-finance company. His work today is business and transaction advisory: understanding what a complicated transaction requires, determining how it should be structured, assembling it, and working with the appropriate broker, lender, lawyer or accountant to execute each component.
Recent advisory work has included financing structure for a multi-unit residential expansion, the structuring and presentation of a six-property portfolio consolidation with a chartered bank, a commercial mortgage commitment review, a business acquisition with an earn-out structure, and start-up financing under the Canada Small Business Financing Program.
Prefer to talk first? Choose a time for a 15-minute introduction. Mario will call the phone number you provide.
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Confidential and without obligation. Nine short questions to start; detailed financial information is collected after we speak, not before.
AAN Commercial Capital