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.

Our services include:

Assessing current Bank financing
  • Review existing Loan types (documentation, structure, pricing. fees, etc.)
  • Analyze global banking relationship to assess benefits/challenges for your company
  • Re-structuring existing debt with optimum structure and pricing
  • Introduction to competitive capital sources that will best fit your company
Fluent in following Loan Types
  • Commercial Real Estate, Term Loans, Working Capital Lines of Credit, Commercial Leases, Capital
  • Equipment Loans, Asset Based Loans, Warehouse Lines of Credit, SBA Loans (7a & 504)


Obtaining new Capital
  • Optimize balance sheet, income statement and total financial package for best “presentation” to bankers
  • Matching purpose/type of addition debt with the ideal structure
  • Introducing and negotiating with multiple funding sources to optimize terms for your company
  • Assist in negotiations with existing and/or new capital providers
Industries Served:
  • Service Companies
  • Wholesalers / Distributors
  • Manufacturing Companies
  • Retailers
  • Commercial Construction
  • Commercial Real Estate