Welcome to the 409Advantage®

Creating Real Solutions For Complex Problems in Sales, Operations and Technologies.
DIGITAL TRANSFORMATIONS ASSET MANAGEMENT & MAINTENANCE TURNAROUNDS & RESOLUTIONS STAFFING SERVICE SEARCH SPECIALISTS

Professianal Skills Manager

Executive Operations, Turnaround/Change Management or Technical Solutions

We seek out the strongest individuals to fill your needs. We maintain a well respected experienced group of industry specific personnel ready to provide contract management services for businesses with abandoned owners, legal issues, workforce change implementation and lean processes. This department oversees all corporate reporting and emergency operational issues affected by turbulent economic conditions. We are well versed in resolving issues in the following areas:
Debtor-in-Possession, Involuntary Bankruptcy, Reporting Compliance, Fiscal Optimization, and Strategic Sales Operations Management.
Services Include:
  • MERGER or ACQUISITION
  • BUSINESS MODEL CHANGES (Wind Downs)
  • COMPLIANCE WITH LOCAL/STATE/FEDERAL REGULATION or LAW CHANGES
  • NEW PRODUCT LAUNCHES (Ramp-Ups)
  • TECHNOLOGY ADVANCEMENTS
  • ADDRESS NEW COMPETITIVE INFORMATION
  • EMPOWER LEADERSHIP
  • ADVANCE SALES & MARKETING EFFORTS
  • FINANCIAL STRATEGIES

Proliferal Services

Hard to Complete FinancingWe have access to various financing sources that will investigate and review most any special situation or hard to finance project. Once we have complete details, we can generally obtain a decision within 24hours and finalize all aspects of the deal in a couple days.THE 409 ADVANTAGE TEAM IS READY TO TACKLE YOUR SERIOUS ISSUES!!!!
For a Free Initial Consultation, immediately email
STRATEGIC FINANCING :
  • Start up a Franchise
  • Acquire an Existing Business
  • Expand your Business
  • Purchase Commercial Real Estate
  • Refinance Existing Debt
Here are the most common loan programs we offer:
SBA LoansSBA Loans are loans that are guaranteed by the U.S. government. The types of loans we work with are the 7(a) Loan, and the 504 Loan program.
The 7(a) loan program serves as the SBA’s primary business loan program to help qualified small businesses obtain financing with or without real estate.
Typical uses are for:
  • Start up companies and franchises
  • Business acquisitions
  • Business expansions
  • Refinancing of current business debt
Loan proceeds can include:
  • working capital costs
  • furniture and fixtures
  • machinery and equipment
  • leasehold improvements
  • land and building
  • closing costs
  • debt refinancing
Loan maturity is up to 10 years for leased locations and up to 25 years if real estate is included. Loans are fully amortized, and do not have any balloons or calls. Interest rates are extremely competitive.
The SBA 504 loan program’s main function is to provide long-term financing with a fixed rate component. The loan must have real estate and is not typically used for refinancing. The company must be for profit. Please contact us for further information on our SBA loan programs.
Apply for an SBA Loan
Conventional Loans
Conventional loan programs are available for existing franchise owners and for transactions that include commercial real estate only. Unlike SBA loans, conventional loans are not guaranteed by the U.S. government. Interest rates and terms vary by the project type and the borrower’s experience and credit. Please contact us for more details on conventional loan programs.
Apply for a Conventional Loan

Franchise Loans

Franchises are our specialty! We have competitive loan programs available for various franchised concepts. We offer loan programs for start ups, acquisitions, expansions, or refinances. Please contact us for further information.
If you are a Franchisor and would like to talk to us about our franchise loan programs, please contact us and we will be happy to discuss a program for your concept.
Apply for a Franchise Loan

FHA / HUD Loans

FHA / HUD loan programs are available for various projects including the construction, rehabilitation, acquisition, and refinance of apartments, nursing homes, assisted living facilities, or health care facilities. Loans are highly competitive and many types are available, so please contact us for more specific information.
Apply for a FHA / HUD Loan

Rural Development Loans

Rural Development Loans are used to help develop rural and agricultural areas of the United States. Special loan terms are available, and many commercial types are eligible. Loans must include commercial real estate. Leasehold properties are not eligible. Please contact us to find out if your area and project type is eligible for a Rural Development Loan.
Apply for a Rural Development Loan

Equipment Leases

Equipment leases are available for many types of business equipment. The company must be in business for a minimum of two years to qualify. Minimum lease amount is $5,000 and there is no maximum. Most lease transactions have fast approvals, little or no money down and minimum documentation is required. Contact us to find out if your business qualifies for an equipment lease.
Apply for an Equipment Lease

Accounts Receivable Financing

Improve cash flow by getting the money from your accounts receivable. The application process is short and simple and approvals are fast. Please contact us for further information.
the 409 Advantage – Has been helping business professionals with commercial financing since 1988. We began by helping small retail franchises with the start-up capital they needed to start the business. Today we handle all types of commercial loan requests. We specialize in loan amounts from $250,000 to $10,000,000 and these loans are typically for franchise financing, business acquisition financing, refinancing, and expansions.
Our experienced staff will listen to your needs and provide you with as many financing options that we have available. You just tell us which option is best.
Below are the forms that you can download that you may use to help complete the loan pre-application.
For a new business, fax or email the first two completed forms above along with a resume and project cost breakdown.
For an existing business, fax or email the first two completed forms above along with a resume, the first page of the last 3 years tax returns (from the business), sales price and year to date profit and loss and balance sheet.
For the line of credit, just download the file above, complete it and email back.
  • Once you've sent this information a Representative will contact you within the next business day.
  • We will work to provide you with a proposal within 2-4 business days.
Once you've received a proposal, here are the other Forms you will need for your formal loan request:
For Equipment Lease Financing:
For Accounts Receivable Financing:
Here are the most service programs we offer:Loan ArrangementsIndependent Accounting and Corporation Tax Filings

CORPORATE Customized "Recipe-N-Result" Services

All Customized service pricing are ONLY available by way of a Quote. Provides for a re-engineering of fundamental and strategic growth systems or process in need of a re-vamp. Management for the Innovation age. Engineered Manufacturing for efficient results Troubleshooting Complex Manufacturing Systems Task Performance & Training — pass–it–on. for all of the comprehensive customized services contact for quote

Professional Services

It's the strength of each individual strand that forms the integrity of the fabric – Koper
Staffing Services... Management.... Financial/Accounting/Tax.... Engineering....Sales.....Campaigns.... Project Consulting Service... Public Financial Management....Emergency Financial Manager Specialists.
The 409 Advantage® Follow-Thru Team has expertise in matching executive searches for public and private enterprises with procedural talent management, product knowledge, technical skill and experience to help you improve your business or institution in meeting its goals.
Our experts can address your business/institutional needs on a regional and industry-specific level, plus provide the resources to get it done.
Phase I: ASSESSMENT–RISK, GROWTH or COMPLIANCE ANALYSIS–GAP, CAMPAIGN or INNOVATION
PHASE II: MAPPING–PEOPLE, PROCESS or THROUGHPUT ENGAGEMENT- REQUIREMENTS DETERMINED, MANAGEMENT or TECHNICAL
PHASE III: TRANSITION, TRANSFORM, TURNAROUND
We work closely with you to determine your needs then collaborate with your team to define and map ADVANCED processes.

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