Regardless of whether you are looking for a financial plan for you and your family or seeking financial solutions for your business, Aperion has you covered. Check the links below to see what we can offer you in terms of either (or both).
Business Services
BUSINESS TERM LOANS
Get funding for major expenses like equipment, expansion, or other capital needs. The terms generally range from a year to several years, depending on the lender and the purpose of the loan. Term loans can offer predictable repayment schedules and are a common way for businesses to access capital for growth.
WORKING CAPITAL LOANS
This type of financing is designed to help cover a company’s short-term operational needs, such as payroll, rent, inventory, or utilities. Unlike long-term loans used for big investments, working capital loans are meant to support day-to-day expenses and maintain cash flow during slow seasons or periods of growth. These loans typically have shorter repayment terms and can be a flexible solution to keep the business running smoothly when cash is tight.
EQUIPMENT FINANCING
This form of financing is specifically used for acquiring equipment (new or used) for your business. This can be anything from work vehicles and construction equipment to computer hardware or medical equipment. Generally, this is reserved for equipment that will be used for several years and the lenders will offer terms usually from two to five years.
COMMERCIAL REAL ESTATE LOANS
These are long-term loans for commercial use real estate that will be occupied by the borrower. In most cases, the borrower must occupy at least 51% of the useable space. Terms are generally five to twenty years and can be structured with balloon payments to make the monthly payments more manageable. In most cases, the balloon can be refinanced.
INVENTORY FINANCING
Get a line of credit for your businesses to purchase inventory without tying up cash flow. If your business is in wholesale, retail, or is a seasonal businesses that needs to stock up on products ahead of sales cycles this may be useful for you. By using inventory financing, you can maintain adequate stock levels to meet demand without straining your working capital.
INFINITE BANKING
(Self-funded lending)
Skip the banks altogether and be your own bank. Imagine being able to self-fund your projects without having to apply for credit, justify your projects or deal with underwriting. Borrow from your own fund and pay yourself back with interest. This is a bit of an advanced strategy and takes a bit of time to implement, but allows for greater liquidity and financial control in the long term. This is an ideal for investors.
KEY PERSON INSURANCE
If you are in a business where certain individuals are critical to success, this is a great way to protect your business from unforeseen loss. This is ideal for partnerships, sole proprietors or larger businesses with critical executives who drive business results.
EXECUTIVE BONUS PLANS (162)
Consider a tax-advantaged way to reward key employees in a way that is tax deductible to the business and grows in value for the employee over time. If you own a smaller sized business and can’t compete against the larger corporations who offer incentives like stock options, this is a great alternative for employee retention without the complexity of a traditional benefit plan.
BUY-SELL AGREEMENT FUNDING
If you are in business with partners or run a family business that you eventually intend to pass down generationally, this is an excellent strategy to fund transfers of ownership avoiding any financial strain for any of the owners and maintaining stability in the business through a smooth transition that is funded by the plan.
MERCHANT SERVICES/ PAYMENT PROCESSING
If you are a retail shop, restaurant, service provider, or online merchant and you take credit card payments, you might be looking for a change to your point of sale system or your payment processor. Especially if you want to improve your margins with lower fees or cash discounting options. I can offer whole package solutions that can meet your needs including financing for the hardware. In a competitive marketplace, you need to find ways of staying profitable while offering your customers the best price available. Looking at the costs of payment processing can gain you a few basis points on your competition and improve your profitability.
Personal Services
Personal finance can be broken down into a few key areas, all of which Aperion can provide assistance with.
When we partner to put together a successful financial plan for you, we will cover these areas:
CASH FLOW
Everything starts with cash flow. This is the first thing we need to look at as part of a financial evaluation. Our intent is to help you keep more of what you earn and how to make your income work for you.
BUDGET
Budgeting is usually task that people don’t enjoy. But this is where people find out that they usually have more than they realize. The budgeting process is critical to help you determine how much you can allocate to savings, coverage, and investing which makes it a critical part of the process.
DEBT MANAGEMENT
It cannot be emphasized enough that debt is a major setback when it comes to achieving financial goals. At the same time, it is unrealistic in today’s world to go through life without some level of debt. Aperion can help in terms of debt reduction strategy to help you get on track with your financial goas sooner than you think.
SAVINGS
Having savings is critical to long-term success. Savings isn’t intended to provide for your long-term financial needs, but rather that help you cover for emergencies. Those unexpected (or sometimes expected) costs are the main cause of people not achieving their financial goals and often drive up someone’s debt or cause them to liquidate their investments too early. How much to save and where to put it is where Aperion can help.
PROTECTION
Protect your estate and your legacy through insurance coverage. Life insurance is some of the cheapest money that you can buy and it helps to support your loved ones in their times they most need it. Life insurance can also provide living benefits to you as well such as a cash value savings plan or long term care and disability coverage.
GROWTH
The main purpose of a financial plan is preparing for your future. Covering your family’s needs, buying a home, preparing for retirement…whatever your future needs are, you want to make sure that you will have the funds to cover those big moments of life. This is about making your money work for you so that you have enough to enjoy life without stressing about how you will be able to afford it.
WEALTH PRESERVATION
Wealth preservation is a fancy way of saying keeping more of what you earn over the long term. This includes things like setting up a will & trust, diversifying risk across your savings & investments, and spreading out your assets across different tax buckets to minimize what you pay to the government. Too many people lose sight here and end up losing too much of what they have worked their whole lives for. Don’t let lack of planning cause you to lose the fruits of your years of labor!
