OTHER SERVICES

MERGERS AND ACQUISITIONS

The merger of two or more enterprises can in the right circumstances can open up new markets and build prosperous growth. Often times structuring the transaction favorably at the outset means the difference between success and failure.

MANAGEMENT CONSULTING

The principals and key staff of Virtual Capital Group have diverse backgrounds in many areas of business management, operations, and finance. The firm is capable of providing management consulting support services on either an ongoing or as-needed basis. The firm has experience across a range of industries with start-up, developmental and mature businesses. The firm can provide various consulting services including strategic planning, marketing, telemarketing and program development. The firm can assist clients in structuring joint ventures, forming strategic alliances, and developing business partnerships. The firm can also assist in the identification of key management personnel.

BUYER CONSULTING SERVICES

Virtual Capital Group acts in many areas of business investment transactions, including real estate and business locator services. The firm can assist buyers on an exclusive basis in locating businesses for purchase. Virtual Capital Group can also locate real estate properties for acquisition, structured as joint ventures, exchanges, or simply lease or options. The firm can provide financing consultation. All services are provided on an accountable expense retainer basis.

BUSINESS VALUATIONS (Preparation and Analysis)

Virtual Capital Group has experience in many areas of business investment transactions, including business valuation. The firm is capable of performing valuations of companies of all sizes in virtually every industry. Each valuation is targeted toward a client's particular needs in accordance with the specific purpose of the valuation. To be credible, a business valuation must reflect current market conditions in the real world. Utilizing independent research, the firm can support an opinion of value. Virtual Capital Group draws upon data from a variety of sources, including on-line databases, central valuation databases and reference libraries.

LOAN PACKAGES (Preparation and Analysis)

Virtual Capital Group has extensive experience in the preparation and review of loan packages for numerous types of financing transactions. Although loan packages frequently contain many elements of a company's business plan, loan packages should be targeted toward specific lenders or investors and must contain specific information and documentation to fulfill the appropriate submission criteria.

Business loans may be classified as either asset or cash flow based that can be granted against a variety of collateral. Business loans typically fall under one of the following categories:

Type of Business Loans:

Accounts Receivable Financing
Factoring
Revolving Term Loans
Real Estate Based Loans
Acquisition Financing
Import/Export Financing
Machinery and Equipment Loans
Turn-Around Financing
Commercial Intermediate-Term
Inventory Financing
Re-capitalizations
Subordinated Debt
ESOP Financing
LBO Financing
Leasing
Mezzanine Loans

Types of Real Estate Loans:

Real Estate loans are typically asset based, although equity participation is available. Each lender has specific criteria regarding type of project, loan to value, borrower's contribution of equity, guarantor's net worth and debt service coverage. Real estate loans available include:

Adjustable Rate Mortgages
Participating Mortgages
Bridge Loans
Fixed Rate Mortgages
Construction with Takeout
Forward Commitments
Joint Ventures
Land Loans
Construction without Takeout

Type of Real Estate Projects:

Apartment, Condo and Co-op
Hospital and Medical
Land Acquisition & Development
Mobile Home Parks
Regional Mall
Shopping Center and Strip Center
Elderly Living Facilities
Hotel and Motel
Marina and Dockominium
Office Building
Resort and Recreation
Time shares/Fractional
Factory Outlet Center
Industrial and Warehouse
Mixed-use
Parking Garage and Auto Related
Restaurant and Related
Golf Course

Type of Financing Company:

Blind Pool
Leasing Company
SBIC
Commercial Finance/Factor
Merchant Bank
Venture Capital
Domestic Bank
Pension Fund
Trust
Foreign Bank
Private Lender
SBA

Type of Financing Provided:

Accounts Receivable
Debt Offering
Industrial Revenue Bonds
Machinery and Equipment
Re-capitalization
Acquisition
Divestitures
Inventory
Mezzanine
Revolving Term
Asset Based
Poor Credit
Bankruptcy Reorganization
First, Second or Third Round
Lease
Privatization
Start-Up
Import/Export
Real Estate
Syndications
Turn-Around

Investment Criteria And Policies:

Amortization Schedule
Loan to Value Ratio
Repayment Term
Debt service Coverage
Maximum Transaction Size
Interest
Minimum Transaction Size
Loan to Cost Ratio
Principal's Contribution of Equity

Industry Preferences:

Communications
Electronics
New Technologies
Transportation
Computer Hardware
Finance
Publications
Wholesale
Computer Software
Insurance
Real Estate
Construction
Manufacturing
Retail
Motion Picture
Distribution
Medical Related
Service Related
Golf & Country Clubs


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