Corporate Finance Services
Hales assists clients by arranging senior debt, subordinated debt, mezzanine financing, and equity to help fund
working capital needs, internal growth initiatives, agency perpetuation plans, ESOP financing, and mergers and
acquisitions. Our relationships with financing sources across the country that understand the insurance industry help
ensure that you receive financing that is tailored to your needs and non-intrusive to your personal balance sheet.
Services include:
Preparation of Loan (or equity) Funding Package
- Analyzing immediate and long-term financing requirements
- Determining optimal capital structure alternatives
- Preparing a descriptive memorandum covering the agency's historical and pro-forma
financial results, and their capacity to repay debt.
Solicitation of Loan (or equity) Funding Terms
- Identifying, evaluating, and contacting appropriate capital sources (commercial banks,
investment banks, insurance companies).
- Preparing management presentations for financial institutions.
- Soliciting financing proposals.
- Evaluating financing proposals for suitability, and negotiation of term sheets.
Selection/Placement of Loan (or equity)
- Negotiating of Loan Commitment terms.
- Managing the due diligence and lender wrap-up processes to ensure timely and smooth transaction closure.
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