Business Financing
Capital for acquisitions, expansion, liquidity, restructuring, and growth.
Real Estate Financing
Owner-occupied, investment portfolios, development, and transitional capital.
Working Capital
Credit lines, term loans, equipment, A/R financing, and debt restructuring
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Businesses & Entrepreneurs
Starting something new. Buying an existing company. Expanding what you’ve already built. Or simply keeping operations steady when cash flow tightens — every stage of business brings different needs. Financial structure can determine whether growth feels controlled and strategic or rushed and reactive.
We work with:
- Entrepreneurs launching or acquiring a business
- Owners expanding into new locations or larger contracts
- Companies upgrading equipment or adding staff
- Operators restructuring debt or strengthening liquidity
Whether you’re just getting started or managing a growing company, the structure behind the capital matters as much as the capital itself.
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Real Estate Owners & Investors
From a first rental property to large-scale developments, real estate requires capital that aligns with timing, cash flow, and long-term strategy. The structure behind the financing can determine how well a property performs — not just at purchase, but over the life of the investment.
We structure financing for:
- Long-term and short-term rental properties
- Owner-occupied commercial buildings
- Fix-and-flip and value-add opportunities
- Ground-up development and large mixed-use projects
Whether you’re purchasing your first asset or building an entire portfolio, the right structure determines how well the property performs over time.
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SBA & Government-Backed Programs
An SBA loan is a bank loan that is partially guaranteed by the U.S. Small Business Administration. An SBA loan is a bank loan partially guaranteed by the U.S. Small Business Administration. That guarantee often allows for longer repayment terms, lower down payments, and more flexible use of funds..
These programs are commonly used for:
- Buying or acquiring a business
- Purchasing or refinancing commercial property
- Expanding operations or adding working capital
- Partner buyouts or ownership transitions
SBA financing can be one of the most powerful tools available to a business owner — but only when structured correctly and placed with the right lender. We determine whether an SBA solution makes sense for your situation and manage the process from qualification through closing.
Why Choose F.G. Howell?
Relationship First
You work directly with experienced advisors — not a call center. We take the time to understand your business, your property, and your long-term goals before discussing structure or solutions.
Strategic Alignment
Every lender has a different credit appetite and underwriting style. We place your request with institutions actively financing your type of transaction — not in a generic queue
Active Management
From packaging to underwriting and closing, we stay involved. Clear checklists, modeled options, and proactive communication keep your deal moving.