"The Property is the Borrower": The Ultimate Hack for Lower-Middle Market Acquisitions
Explaining our core philosophy applied to M&A. If the business occupies the real estate, we underwrite the bricks, not your personal W-2s.
The fundamental flaw in commercial bank financing is that they underwrite the human, not the asset. In lower-middle market M&A, this creates unnecessary friction.
Acquisition entrepreneurs are penalized for complex tax structures, multiple LLCs, and aggressive depreciation schedules.
At CFGX, our philosophy is absolute: The property is the borrower.
If you are acquiring a business that operates out of real estate it owns, we underwrite the bricks. We don't care about your W-2s. We don't care about your global cash flow analysis. We don't need your personal financial statements, and we will never ask for your tax returns.
We look at the commercial asset and the unaudited P&L of the operating business to ensure it can cover the rent. That is it. A 30-year fixed commercial mortgage that bypasses the invasive, broken system of traditional banking.
Text 'ACQUIRE', the property address, and loan amount to Scenario Desk at 332-241-8100.
