Introduction / $5MM / $500K Requests

My name is Marcelo, and I run Shōkunin.

I am a licensed broker, certified exit planning advisor/business broker, State Bar certified mediator/receiver, and place capital for commercial real estate and small and lower middle market businesses.

While I have a very strong presence in commercial real estate finance, I am looking to build on my capital sources for business owners. Several of my existing lenders have become a little flaky or are busy asset managing a portfolio experiencing diminishing returns/NPL’s so they’re reluctant to write new business.

I would like to learn more about your lending capacity, appetite and underwriting guidelines to determine if you are good fit for my client pipeline.  

I don’t do MCA and very little factoring. It’s just not a good fit for who I work with. My focus is mezzanine finance, private capital, working capital, credit lines, and term loans where a traditional commercial bank isn’t a fit because of timing issues or uneven revenue/NOI. I can do SBA 7(a)/504 blindfolded, but oftentimes the needs of my clients can’t sustain a 45-75 day credit review process.

Most of my clients are in the $5-75MM revenue range who are in unique situations – partner buyouts, litigation settlements, DIP financing, expansion capital (but don’t own the real estate).

Most of my deal sizes are $500K-$10MM for business capital requests.

I have two deals in hand.

$5MM – Partnership buyout/litigation settlement – Restaurant Operator - $30MM Revenues – Multiple locations in Southern California. Appraisal included for partnership buyout to settle litigation. Full package with tax returns, but would like to find faster capital instead of an SBA 7(a) process.

$500K - Working Capital Line – Healthcare Collections Company - $8M revenue, Uneven NOI, $440K in A/R, onboarding three new clients including Cedars Sinai and the County of Ventura (California) that will help create a turnaround story with working capital. Has been in business for nearly 40 years.

I know getting through administrative requirements for ISO can be overwhelming, but I can produce deals. I’ve done about $10MM so far with other alternative lenders in the last two quarters. Given the state of the economy, I believe 2024 will be quite busy.

If I can be a resource to you, I have a deep understanding of credit and underwriting, and have larger checkwriter relationships for commercial real estate and lower middle market companies. Happy to help co-broker deals as I have a small cadre eight brokers around the country that I help get their deals closed.

Thanks in advance.

Marcelo Bermudez, CEPA

www.marcelobermudezinc.com

www.youtube.com/@shokuninamerica