About Us  |  Board of Directors  |  Financial & Investment criteria | Awards

Since 1984, Charter Financial Management Company, Inc. specializes in the Commercial Banking financing (debt and equity in correspondency with 89 commercial banks and 39 VCs in 17 states) ; Investment Banking services for merger, acquisition and valuation of businesses in CA, NV, AZ and TX; Mortgage Banking and Brokerage services for all types of real estate; and Financial Advisory services with accounting, taxation and incorporation services. Charter Financial and its partners operate their affiliated offices in CA, NV, AZ and TX.

Charter Financial Management Company focuses on 13 primary specialties in which to finance SBA Loans and State Guaranteed Loans for small businesses with annual gross sales from $500,000 to $40 million:

• Lines of Credit to finance Working Capital
• Inventory Loans to finance Raw Materials and Finished Manufactured Goods and Services
• Manufactured Goods and Services
• Equipment Term Loans and Leases
• Domestic and Foreign Accounts Receivable
• Real Estate Loans to finance Owner's properties and Commercial Investment properties
• Acquisition Loans to finance Buying a Business
• Debt Consolidation Loans
• Purchase Order Loans to Finance Future Sales
• Mezzanine Equity Financing from $3 million to $10 million
• Venture Capital Investments and Pre-IPO financing
• Direct Placement Offerings and SCOR Offerings
• Funding and Capitalization of Not-for-Profit Associations

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We focus on Commercial Banking Debt financing loan requests where the company is seeking from $200,000 to $10 million. We focus on Investment Banking Debt and/or Equity financing loan requests which may require "mezzanine and/or secondary market" financing programs ranging from $3 million to $10 million. We focus on Mortgage Banking Real Estate financing loan requests where the company is seeking $750,000 to $30 million.

Charter Financial Management provides Commercial Banking and Capital Market financial services; and Direct Placement Offerings, SCOR Offerings and Private Placement equity investments in growth companies and management-led buy-outs.

Our 89 Community Bankers, 17 Capital Market Institutions, 38 Leasing Companies and 9 Venture Capital Equity Partners lend and invest in the following types of investment opportunities:

• Early-stage companies (start-ups and seasoned companies) with proprietary products and services within well defined growing domestic and foreign markets.
   
• Closley-held growth companies that have reached profitability and desire private equity or commercial banking working capital o expand operations or accelerate growth.
   
• Companies formed with experienced and seasoned management share, which plans to build a company with a large market share, by acquiring and consolidating competing companies within an industry segment.

Our Partners and Affiliates provide "value-added" professional services to build and contribute the fundamental investment values of our clientele's companies, supporting management's visions by:

• optimizing business strategies by increasing gross revenues and net income profitability, while increasing market share
• assist management's industry growth by merging and acquiring complementary product lines or businesses
• compliment strong management teams and Board of Directors
• creating strategic relationships with industry affiliates

Our Partners and Affiliates contribute seasoned managerial support and personnel that will positively impact the growth and and financial strength of each client's business, including:

• Establish solid "Cash Management" Programs and annual fiscal goals; easily tracked quarterly fiscal objectives
• Recommend "Accounting Systems" and Software to track the financial stability of the company, on a weekly basis
• Tender experienced management teams and renowned Board of Director members which are paramount in operating successful companies contemplating future IPOs
• Identify market product "viability", market shares, and marketing "Plans of Action" which will support a steady company growth and profitability

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The Small Business Administration (SBA) has also awarded Charter Financial's clientele and Affiliates with the following awards:

• 2000 Exporter of the Year (Arizona District)
• 2000 Minority Businesswoman of the Year (Texas District)
• 1999 Exporter of the Year ( West Coast)
• 1999 Minority Businesswoman of the Year (Pacific Northwest)
• 1999 Financial Advocate of the Year (West Coast)
• 1998 Manufacturer of the Year (Southwest)
• 1998 Minority Businessman of the Year (Southwest)

During the last 3 years, 22 of Charter Financial's clientele and Affiliates have been nominated for various awards from the Small Business Administration (SBA).

For more information, call (510) 481-7472 or Fax Inquiries to (510)481-7538 or e-mail us.