Charter Financial Management Company, Inc. is a financial advisory company, disciplined in Commercial Banking, Mortgage Banking and Investment Banking.

Charter Financial’s Commercial Banking Division is exclusively dedicated to financing Businesses (Commercial Term Loans; Working Capital Lines of Credit; Equipment and Inventory Loans; Merger and Acquisition Loans; International Lines of Credit; SBA Loans; State Guarantee Loans; Farm Service Agency Loans; Mezzanine Loans; Equity Financing utilizing VC and SCORE Offerings).

Charter Financial’s Mortgage Banking Division is exclusively dedicated to financing Investment Properties (Residential, Commercial or Industrial Subdivisions; Multi-family Apartments and Condos; Multi-tenanted Commercial Work/Lofts; Mobile Home Parks; Mini-Warehouses; Industrial Warehouses; Commercial Office Buildings; Time Share and Interval Resorts; Marinas; Medical Facilities; Manufacturing Plants)

Charter Financial’s Investment Banking Division is exclusively dedicated to Merger and Acquisition Services for the valuation, brokerage and funding business opportunities. Charter Financial delivers Investment Advisory Services through its alliance with 138 associated brokers, 13 multiple listing services, 100’s of professional CPAs, Tax Attorneys, Financial Planners, and Registered Investment Advisors.

Charter Financial and its subsidiaries deliver a wide array of financial advisory services, including the purchase and sale of real estate, business opportunities, and commercial loans; the origination, underwriting and funding of commercial loans; and the investment in and development of commercial real estate.

Charter Financial sources its business through a network of 89 community banks and financial institutions, 38 equipment lease companies, 13 VC organizations, 100’s of mortgage companies, third-party brokers and advisors, and 100’s of CPAs and Financial Planners.

Headquartered in Austin Texas, Charter Financial operates offices in Texas, Arizona, Nevada and California. Charter Financial is a privately held firm, owned by its management. We believe that as a private company we have the flexibility and long-term focus-traits that allow us to provide excellent financial advisory services to our clients without the banking regulation restrictions.

As an investment advisory firm, we have a disciplined approach to underwriting, quality control and loss mitigation. For more than 20 years, we have repeatedly demonstrated the value of focused financial advisory and delivering fulfilled services to our clients, exceeding their expectations.

The clearest evidence of our success is our continued delivery of secured and funded loans to our clients. We have consistently delivered 120+ loans annually for the last 8 years.

Most regional banks boast about financing Mature Businesses with excellent accounting and tax records. This is no accomplishment because most every bank will grant these types of loans. The real accomplishment is financing Start-ups to Middle Market Business will less than stellar accounting and tax records, with some years of declining revenues. This is the Market that Charter Financial Management and its alliance companies specialize in. Whether the Business has recently been formed or has operated for 80 years, the key to financing most businesses is focusing on the intrinsic Value of the Business; understanding the company’s marketplace competitive advantages; quantifying the competitive future of the business; correcting or restating of past accounting statements and tax returns flaws and records; and the implementation of a focused business plan for continued growth through disciplined Cash Management Practices implemented by Charter Financial Management.