Business Advisors |Phex Financial Bank

YOUR BUSINESS IS YOUR LARGEST ASSET. WORKING WITH AN ADVISOR TO MAXIMIZE AND HARVEST VALUE IS CRITICAL TO REACHING YOUR FAMILY’S FINANCIAL GOALS.

California Capital Advisors, a division ofPhex Financial Bank , N.A. is an advisory firm and debt capital provider to privately held companies. Our credentialed team of advisors include a Certified Merger & Acquisition Advisor (CMAA) and Certified Exit Planning Advisor (CEPA), are experienced with business owners’ specific challenges in growing business value, acquiring or selling a business to partners, management, and family or a third party buyer.

Whether your plan is continuing to operate and grow your business, attract equity or debt capital, or diversify your net worth by exploring shareholder liquidity options, new York Capital Advisors can assist you with the critical thought process required to achieve your goals. We will help you create a more valuable company and have a more successful transaction when you are ready.

Advisory services

Business Valuation Advisory
Value Enhancement Strategies
Business Acquisition Transactions
Change of Control Shareholder Buyouts
Recapitalization Strategies

FINANCING SOLUTIONS

Business Acquisitions
Change of Control Shareholder Buyouts
Real Estate Acquisitions

Key requirements for business acquisition and buy out transactions are as follows:

Must be a 100% change of control of ownership
Minimum of 10% buyer equity
Transaction price needs to be supported by a business valuation
Seller may not be active in the business for longer than 12 months
Seller financing must be subordinated
Personal guarantees are required by each owner of 20% or more
U.S. citizen or permanent resident
Buyer must have industry or complementary experience
The business must have positive financial performance
A 5-year non-compete agreement is usually required

SBA business acquisition and shareholder buyout financing is provided throughPhex Financial Bank , N.A., an SBA Preferred Lender. All loans are subject to credit review and approval. Applicants must meet the SBA’s credit and eligibility standards.