General FAQ

Growth Loans™ are used for external acquisitions. NextGen Loans™ support internal equity transitions.

PPC LOAN provides financing for:

• Independent Investment Advisors (RIAs)
• Allstate Insurance Agencies
• Independent Insurance Agencies
• CPA Firms

• Focus exclusively on service sector cash-flow based businesses (e.g. RIAs, Independent Investment Advisors, Insurance Agents, and CPAs)
• We understand your business and its underlying value
• Specialized in M&A funding and internal succession plans
• We offer conventional, non-SBA financing
• No real estate is required as collateral
• Provide Focus exclusively on service sector cash-flow based businesses (e.g. RIAs, Independent Investment Advisors, Insurance Agents, and CPAs)

This niche expertise allows us to structure flexible, practical loans where banks may fall short.
 

No. Our loans are cash-flow based. We don’t require personal home equity or real estate pledges.

Yes. For qualified borrowers, PPC LOAN offers up to 100% financing with no down payment or seller carry required​. 

No, you don’t need to have a deal in place to get started. Many clients start with a no-cost, no-obligation prequalification to understand their financing capacity and available options. This early insight helps you plan ahead and move quickly and confidently when an acquisition or succession opportunity arises.

We encourage early conversations. We’ll help you model financing scenarios, even before a deal is signed.  We also offer pre-qualifications at no cost and with no obligations allowing you to better understand the available options and terms.

Yes. We regularly collaborate with M&A consultants, custodians, legal advisors, and seller representatives to help structure successful transactions.

PPC LOAN has been financing business owners nationwide since 1998, with decades of experience supporting growth, transitions, and ownership changes. During this time, PPC LOAN has provided over 3,500 loans to small business owners.

No. PPC LOAN provides financing to eligible business owners nationwide.

PPC LOAN specializes in conventional, cash-flow-based loans and does not offer SBA financing. Talk to one of our Relationship Managers about why a conventional loan might be better for you.

In most cases, a formal third-party valuation or appraisal is not required, though specific transactions may warrant this level of additional due diligence. While it may not be required, PPC LOAN does recommend engaging with a reputable valuation or appraisal firm.

No. These are business loans and will not show up as a liability on your personal credit report.

Under our standard program, loan sizes generally range from $250,000 to $25,000,000. For larger needs, PPC LOAN can explore lending solutions with partners offering a more customized solution.

The typical timeline upon receipt of a complete underwriting package to funding can take 6 - 8 weeks. However, we recommend engaging with PPC LOAN as early as possible in the process to ensure a seamless transaction.

Learn more about our streamlined loan process - Click here.