Expanding Your Options, Closing Your Deal.
Who we are
Whitman Funding Solutions: Financing Made Simple.
Running a business is hard enough—securing funding shouldn’t be so complicated. When banks stall and lenders set more hurdles, we streamline and simplify the process. Our team works for you, not the bank. We handle everything—sourcing, structuring, negotiating, and closing the right capital solutions tailored for your company’s growth.
What sets us apart is our ability to quickly understand the need a business has and how to connect with the proper solution.
How We Do It
Conventional & Commercial Lending
Our relationships run deep. We find bankers that know how to structure and get deals done. Traditional community, regional, credit unions, and large institutional bankers work well with us because we provide them everything they need to understand if there is a path forward and we help them to execute effectively.
SBA/USDA Loans
For businesses that qualify, we facilitate government-backed loan programs like those from the Small Business Administration (SBA) and the U.S. Department of Agriculture (USDA). These options can offer favorable terms for growth and expansion.
Asset-Based Lending (ABL)
We can help you secure financing by leveraging your company’s assets, such as accounts receivable, inventory, and equipment. ABL provides a flexible source of working capital tied directly to your balance sheet.
Private Credit & Construction Financing
When traditional bank financing isn’t the right fit, we tap into our network of non-bank and private credit lenders. This includes specialized financing for real estate construction, equipment, and other capital-intensive projects.
What We Do
Debt Refinancing/Working Capital
Our team helps you restructure existing debt to improve terms, cash flow or secure new lines of credit for operational needs. We analyze your financial position to find the most efficient and beneficial capital solution.
Acquisition Financing
Timing is critical for growth strategies. We help our clients prepare as well as bring the lender that will be the best fit for the transaction. We help the deal team to stay focused until the transaction is complete!
New Banking Relationships
Sometimes a bank will ask a company to clean up existing debt or a company is simply seeking a better partner – we can help. We manage the transition, assist in negotiating exit terms to minimize fees, and find a new institution that aligns with your long-term goals.
Change of Ownership/Succession Financing
We structure the necessary financing to facilitate an ownership transition, including an exit via ESOP. Our guidance ensures your strategic goals are supported by a solid capital plan.
Delivering Results
Capital Strategies That Drive Real Results.
When you work with Whitman Funding Solutions, you can find you receive better advance rates, fewer restrictions and headaches, and smarter debt structures to fuel your goals.
Delivering Results
Your Advocate for Success.
At Whitman Funding Solutions, we offer expert loan structuring, capital process management, and strategic capital planning tailored to your growth. Trusted by both banks and business owners, we build successful partnerships while you focus on running your business.
Your Trusted Advocate
Navigating the debt financing market requires more than just knowing what you need; it requires a partner who understands the landscape and can advocate for your success. We serve privately owned businesses in the emerging middle market, typically those with annual revenues over $5 million and financing needs of $1 million or more.
Clients engage us for critical financial objectives, whether they are seeking to refinance existing debt, fund an acquisition, secure working capital, support a growth initiative or plan for succession. Many come to us because they need a new banking relationship, sometimes at their current bank’s request.
Our Approach
Our approach begins with a hands-on intake process to understand the dynamics of your situation and your ultimate goals. From there, we assist in preparing a professional financial presentation, ensuring your debt schedules are updated, your asset base is clearly detailed, and any potential legal loose ends are resolved.
We do the necessary “repair work” to position your company for a successful outcome, creating a robust loan package designed to meet the rigorous standards of today’s lenders. This preparation is critical in a banking environment where interest rates and credit appetites vary, approval timelines are extended, and underwriters demand more covenants and personal recourse.
Leveraging our extensive network of conventional banks, private credit funds, SBA/USDA lenders, and ABL providers, we connect you with the right partners who are actively getting deals done. We set ourselves apart by acting as the advisor we wished we had—operating with integrity, transparency, and a focus on execution.
You will get honest assessments, timely responses, and proactive communication. We provide a “fast no” if we cannot accomplish your goal, and we never have hidden fees.
The Outcome
The result is a streamlined process that expands your options and increases the odds of a successful transaction. We provide the guidance and relationships needed to secure better terms, establish strong banking partnerships, and close your deal with confidence.
CLIENT SUCCESS STORIES
Hear From Our Clients.
How a Part-time CFO Transformed GEMCO’s Finance
Interim CFO
Gemco, an engineering and design company specializing in vacuum tumble dryers and tumble mixers, regained strategic financial leadership and clarity by bringing in a part-time CFO from Whitman CFO Solutions.
How a Fractional CFO Helped a NJ Home Builder Turn Chaos Into Clarity
Fractional CFO Services
A New Jersey home builder stabilized its business by bringing in a Fractional CFO to fix past financial issues, restore lender and IRS credibility, and create clear financial visibility. The result was a confident, bank-ready organization positioned for sustainable growth with a permanent finance leader in
The Right Resources at The Right Time
Fractional CFO Services
A company undergoing a major ESOP transformation stabilized operations and built lasting financial leadership by strategically leveraging a fractional CFO.
The Right Finance Leadership at the Right Time
Interim CFO
A client navigating a critical acquisition gained financial stability and a smooth integration by leveraging a combination of interim, fractional, and permanent finance leadership.
Hiring Win: The Strategic Turnaround
Interim CFO
A PE-backed services company faced unclear cash flow, unreliable reporting, and an unexpected CFO exit. We helped them regain control and clarity of their finances by placing a strategic interim CFO.
Project Manager for a Move
Advisory Services
Legal Resources successfully managed the law firm’s office moves with no issues or lost billable hours.
OUR TEAM
