In today’s tightening credit environment, traditional lending is becoming harder to access. As a result, many business owners are turning to more strategic and flexible ways to source capital.

Whether the goal is scaling operations, upgrading infrastructure, expanding internationally, or preparing for a future exit, the capital is still available—you just need to know where to look.

We’re seeing increased interest in alternative funding strategies that go beyond conventional commercial lending. These include:

• Leveraging residential or rental real estate
• Unlocking value from investment portfolios
• Utilizing cash value from insurance policies
• Deploying surplus capital from holding companies
• Borrowing against securities or structured accounts

While often associated with private banking, these solutions are not limited to ultra-high-net-worth families. More and more, they are being used by business owners seeking tailored, asset-backed financing solutions that traditional banks may not be equipped to offer.

In practice, we’ve seen these approaches used to:

• Establish U.S. entities to mitigate tariffs
• Bridge short-term funding gaps during M&A transactions
• Finance capital expenditures without giving up equity

If you haven’t considered these types of funding strategies, now may be a good time to explore how they could support your long-term growth objectives—especially in a market where agility and access to capital can make all the difference.

If you’d like to explore what’s possible, we’re here to help.

Jim Friesen, MBA, CPA, CM&AA
Founder