David C Barnett Small Business and Deal Making M&A SMB LIVE Marshall Lebovitz- borrowing for unbankable businesses
Jun 23, 2025
Marshall Lebovitz, a lending expert with 35 years of experience, joins the discussion on financing options for unbankable businesses. He shares insights on navigating lending challenges, highlighting the importance of trusted advisors and tailored financing strategies. Marshall explains the complexities of securing capital for cash-starved companies and the implications of different lending options, especially for restaurants and hospitality. He emphasizes the necessity of effective cash flow management and understanding risk profiles for long-term success.
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Unbankable Isn't Failure
- Being "unbankable" doesn't mean your business is failing or flawed.
- Many companies simply fall outside bank risk criteria but can thrive with alternative lenders.
Know Your Lending Profile
- Understand your business's profile from a lender's perspective before seeking capital.
- Tailor your funding requests to match the risk appetite of potential lenders to avoid unnecessary rejections.
Three Pillars of Underwriting
- Lenders evaluate borrowing capacity using three main criteria: cash flow, collateral value, and company balance sheet strength.
- Placement among lenders depends on which criteria best satisfy their risk appetite.
