Business Financing
Business Financing Structured for the Next Move
The Foster Company helps established businesses access the capital they need to grow, strengthen operations, refinance debt, or invest in real estate, equipment, and future opportunities.
- Expansion Capital
- Refinancing
- Owner / Partner Changes
- Real Estate
- Equipment Financing
- Working Capital
- 20+ YearsCalifornia-Licensed Commercial Real Estate Experience
- $350M+Commercial Real Estate Transactions Facilitated
- 50 StatesNationwide Reach Across the United States
What We Deliver
Capital Solutions to Move Your Business Forward
We provide financing solutions that align with your business goals—whether you're looking to grow, refinance, improve operations, or prepare for what's next.
Growth & Expansion
Fund expansion, new locations, facilities, or strategic initiatives.
Refinancing
Refinance existing debt to improve cash flow, restructure terms, or reduce payments.
Ownership Transitions
Financing for partner buyouts, ownership changes, or transition planning.
Operational Improvement
Invest in systems, equipment, technology, or process improvements.
Strategic Liquidity
Access working capital or liquidity to strengthen your position and seize opportunities.
Our Evaluation Framework
We Evaluate the Whole Business
Every business is unique. Our disciplined approach considers the key elements that drive strength, stability, and long-term success.
Cash Flow & Financials
Review performance trends and quality of earnings.
Business Strength & Position
Evaluate operations, market position, and competitive advantage.
Credit Profile & History
Assess business and principal credit strength.
Existing Debt & Obligations
Understand current debt structure and payment obligations.
Collateral & Asset Base
Evaluate available assets and real estate.
Management Experience
Consider leadership, experience, and execution track record.
Financing Structures
Multiple Options. One Purpose: Your Success.
We structure the right financing solution based on your goals, industry, and capital needs.
SBA 7(a) Financing
Up to $5M for business financing, real estate, equipment, and working capital.
Conventional Bank Financing
Flexible solutions through our network of national and regional banks.
SBA 504 Financing
Long-term, fixed-rate financing for real estate, construction, or equipment.
Asset-Based Financing
Leverage receivables, inventory, or assets to support growth and cash flow.
Working Capital Financing
Lines of credit and term loans to support day-to-day operations and growth.
Equipment Financing
Finance new or used equipment with competitive terms and fast approvals.
Financing Process
A Clear Process. Built Around You.
From initial review through underwriting and closing coordination, each stage helps organize information, clarify requirements, and maintain momentum toward the next milestone.
- 1
Initial Consultation
We learn about your business, goals, and capital needs.
- 2
Financial Review
We evaluate financials, operations, credit, and overall business strength.
- 3
Solution Design
We structure financing options tailored to your objectives.
- 4
Underwriting & Approval
We manage the underwriting process and secure approval.
- 5
Closing & Funding
We close efficiently and deliver the capital you need.
- 6
Ongoing Partnership
We remain a long-term partner as your business grows and evolves.
Information We Need to Start
Let's Start with the Right Information.
To evaluate your financing request efficiently, we'll need a few key documents and details about your business. Providing these upfront helps streamline the review process and allows us to identify the most suitable financing solution.
- Business Overview & History
- Ownership Structure
- Business Tax Returns (Last 3 Years + Year-to-Date)
- Year-to-Date Financial Statements (Profit & Loss and Balance Sheet)
- Business Debt Schedule
- Accounts Receivable & Accounts Payable Aging Reports (If Applicable)
- Bank Statements (Last 3–6 Months)
- Intended Use of Funds
- Real Estate Details (If Applicable)
- Equipment Details (If Applicable)
- Personal Financial Statements (If Requested)
- Any Additional Supporting Documents or Information
Transactions
Selected Business Financing Transactions
Selected transactions show how the business, buyer, cash flow, equity, seller participation, real estate, working capital, and timing may come together within a complete financing structure.
Business Financing
Manufacturing Expansion
Ontario, California
- Loan Amount
- $2,750,000
- Financing Structure
- SBA 7(a) Financing
Provided financing to support facility expansion, purchase new equipment, and increase working capital, enabling the business to scale operations efficiently.
View Transaction
Business Financing
Debt Refinance
Scottsdale, Arizona
- Purchase Price
- $3,100,000
- Financing Structure
- Conventional Bank Financing
Refinanced existing business debt with improved terms, reducing monthly payments and strengthening overall cash flow.
View Transaction
Business Financing
Partner Buyout
Dallas, Texas
- Purchase Price
- $1,050,000
- Financing Structure
- SBA 7(a) Financing
Structured financing to facilitate a partner buyout, ensuring a seamless ownership transition while preserving working capital for future growth.
View Transaction
Business Financing
Working Capital Line
Miami, Florida
- Credit Line
- $750,000
- Financing Structure
- SBA 7(a) Line of Credit
Established a flexible working capital line of credit to support seasonal inventory purchases and ongoing operational expenses.
View Transaction
Client Perspective
“The Foster Company took the time to understand our business and structured financing that allowed us to grow and strengthen our cash flow.”
Business Owner
Phoenix, Arizona
About Chris Foster
Experience That Sees the Whole Picture.
Chris Foster brings more than two decades of experience structuring financing solutions for business nationwide.
- 20+ Years of California-Licensed Commercial Real Estate Experience
- $350M+ in Commercial Real Estate Transactions Facilitated
- Nationwide Reach Across All 50 States
- California Real Estate Broker – DRE #01406083
Insights & Resources
Expert Insights to Help You Make Smarter Financing Decisions
Stay informed with practical articles, industry insights, and financing strategies designed to help business owners strengthen cash flow, secure capital, and make confident financial decisions at every stage of growth.
How Business Financing Supports Sustainable Growth
Smart capital strategies that fuel growth without putting your business at risk.
Read Article
Refinancing Your Business: When It Makes Sense
Key signs it may be time to refinance and improve your cash flow.
Read Article
Working Capital Strategies for Stronger Operations
Best practices to manage cash flow and support long-term stability.
Read Article
Business Financing FAQs
Clear Answers Before the Next Move
Direct answers about business financing, buyer equity, seller participation, commercial real estate, credit considerations, timing, and what happens after an opportunity is submitted.
What types of businesses can be financed?
We work with established businesses seeking capital for expansion, refinancing, ownership transitions, operational improvement, or strategic liquidity. Eligibility depends on the business, its financial position, and the financing path being considered.
How much equity do I need for business financing?
The amount required varies by the opportunity and the financing path. Buyer or owner capital supports the sources-and-uses structure, demonstrates commitment, and helps establish liquidity after closing.
Can I include real estate in the financing?
Yes. Commercial real estate can be financed within or alongside the request where applicable, including through long-term, fixed-rate SBA 504 structures for real estate, construction, or equipment.
How does seller financing impact the deal?
Seller notes and terms can align interests and improve the overall structure. Where applicable we consider standby requirements, earnouts, holdbacks, and transition terms alongside the other capital components.
Do I need previous financing experience to qualify?
No. Management experience is one of several factors we review, alongside cash flow and financials, business strength and position, credit profile, existing obligations, and the collateral or asset base.
How long does the business financing process take?
Timing depends on the structure, the completeness of the information provided, and lender or third-party requirements. Providing the requested documents upfront is the single biggest factor in keeping the process moving.
What happens after I submit an opportunity?
We begin with an initial consultation to understand the business, goals, and capital needs, then review the financials and design a structure before coordinating underwriting, approval, closing, and funding.
Can you help if I do not have a specific project yet?
Yes. An initial consultation is often the most useful starting point, and helps clarify what the business may need and which financing paths are realistic before anything is formally submitted.
