OUR FIRM AT A GLANCE

Banyan Capital Partners, Inc. is an approved specialist finance brokerage firm that provides services in Equipment Leasing, SME Business Finance as well as Commercial Real Estate Loans.  We gladly serve a diversified client base that includes Small and Medium Enterprises (SME's).  Banyan was founded in 2004, is headquartered in San Diego and is approved and regulated by the California Department of Business Oversight as both, Consumer and Commercial Financial Lenders and Brokers under license number 60DBO-57761.  

The firm was founded by Stephen G. Saunderson who has been its President since 2004.  Mr. Saunderson has focused on and specialized in the commercial finance arena since 1985.  He has worked successfully at Paine Webber, Smith Barney and Bank of America. 

In every case, Banyan Capital Partners, Inc., strongly advocates for small and medium sized businesses within the lending industry.  We seek bank-ability for all business owners and accept the responsibility to act on their behalf in order to help them receive "smart" money for their businesses.  It is of vital importance that we always treat borrowed money for a client as a means to an end.  The “end” for some businesses may be to pay off a loan while in many other cases, the “end” may be to become bankable and thus, be able to enter into an affordable, FDIC-insured bank loan.

We focus our efforts in the following three business segments: 

I.  Equipment Leasing

Most businesses require equipment in order to operate and make a profit. Equipment leasing and financing help all types and sizes of commercial businesses in the United States to acquire the equipment they need to conduct their business operations. Each business has to make the best procurement choice based on numerous factors such as cash flow, balance sheet impact and available credit lines. Equipment finance offers flexible choices that can work with the diverse objectives of most businesses. Equipment finance companies are responsible for financing a substantial portion of the nation's capital expenditure budget through a multitude of financial products and strategies and are engaged in origination's and primary and secondary market financing activities.

To achieve the above goal, our firm represents individual corporate clients, equipment dealers as well as equipment manufacturer’s to broker leases always seeking to obtain the best possible terms and conditions given the parameters and time constraints we are provided.  We work closely with all credit scores ranging from Tier “A” through Tier “D”.  

Leasing equipment may look like a simple transaction but, as you know, it may be complex—and carry certain risks for the business owner. Yet most businesses know that choosing to lease is a smart way to acquire equipment; eight out of ten U.S. companies lease some or all of their equipment.  Let us help you.

II.  Business Finance

Our firm believes that helping small businesses get into bank loan financing should be one of our driving forces.

Thus, we want every client we work with to get to a point where they are bankable through an SBA-backed loan or another traditional bank loan.  If a company is considered “bankable “, that is, they meet all of the criteria necessary to receive financing through an FDIC-insured bank, they’ve earned the right to get the cheapest loans that will allow them the best opportunities to grow and create jobs.

This being said, our firm is not naive to think that every company is bankable: in fact, many are not.  In cases when we work with these non-bankable companies, our driving force is always to help them get to the point where their chances of being approved for a traditional loan are greatest.  While small businesses work with us towards this goal, it’s likely that you will pay more for capital through alternative loans.  However, we don’t want you to have endless renewals of alternative lending loans.  We assist our clients and help you maneuver the lending landscape, identifying the lenders who will work with you on the best terms and conditions possible and then further assists you over time to finally obtain a bank loan.

III.  Commercial Real Estate Loans

We know Real Estate Finance and seek to obtain customized finance solutions for property owners.  Commercial real estate is considered property that is used solely for business purposes such as malls, office parks, restaurants, gas stations, convenience stores and office towers. 

When we evaluate our clients commercial real estate loans requirements, our firm as well as the lenders will consider the loan’s collateral; the creditworthiness of the entity (or principals/owners), including three to five years of financial statements and income tax returns; and financial ratios, such as the loan-to-value ratio and the debt-service coverage ratio.