Commercial Business Consulting / Bank Relationship Advisor

We all hear friends and associates mention either (1) the “unbelievable financing” they received or (2) the “greatest stock tip.” Well as a recovering banker, I can address the first category. Yes, it is a competitive bank market but the Banks are posting record earnings while continuing to try to grow their loan portfolios. The cost is in there – the Bankers are relying on the client to find them. Banks have history of providing “teaser” loan rates but are making up the lost economics on transactional fees and other expenses. Banks refer to this method as “relationship pricing.” The challenging part is that each institution pricing, formatting and terminology is quite different, which makes comparisons very difficult. At Sphinx Financial, we can decipher the all-in cost of the “fantastic deal” and either put your mind at ease or help negotiate the optimum solution for your company.

David’s banking experience and related contacts, combined with other centers of influence such as accountants, attorneys, appraisers, brokers, etc. has allowed him to cultivate an extensive network throughout the region that could prove invaluable to a commercial company in need. This, combined with his years of advising bank customers how to best structure their debt, as well as how to best present their company to the Bank, can be put to great use for your company

If your company is expanding, looking for additional financing, or if you’re looking to restructure your existing debt and want to be sure that your company has the most favorable structure with the best financial institution to fit your needs, then Sphinx can help.