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Are selling, or non-participating partners, required to personally guarantee NextGen Loans?
No. Selling or non-participating partners are not required to provide personal guarantees. The buyer, or borrower, is required to provide a personal guarantee with the firm providing a corporate guarantee.
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How do you handle multiple partners buying equity simultaneously?
We routinely structure simultaneous buy-ins with individual loans for each partner. Terms can be customized based on each person’s equity purchase amount, role, and financial capacity.
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Can NextGen Loans support phased equity purchases over time?
Yes. We structure multi-tranche financing allowing partners to increase ownership gradually. Each phase can have different terms, timing, and purchase prices based on firm performance and succession planning goals.
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What types of transactions are considered NextGen?
NextGen loans support internal transitions such as buy-ins, buy-outs, equity purchases, and succession planning.
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Do you offer 100% financing for NextGen loans?
Yes. Many NextGen transactions can be structured with up to 100% financing.
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If we use PPC LOAN for NextGen financing, will you also help finance acquisitions?
Yes. Many clients rely on PPC LOAN for both succession planning and future acquisition financing.
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Are there benefits to using a bank loan for an equity purchase versus seller financing?
Yes. Bank financing can provide longer amortizations, predictable payments, and reduce reliance on seller involvement post-transaction. Additionally, providing cash to the seller at closing is a powerful way to negotiate a transaction and deal terms.