Case Studies | Paton Financial Group

Case studies

What sets Ken Paton apart from most lenders is that he has a background in finance, accounting, law, and real estate to help structure a loan or purchase to give it the best chance of success. These case studies illustrate a creative way that Ken devised to allow them to succeed.

Down Payment Support – Rent Credit

A proprietor had been leasing his building for more than ten years and had the opportunity to buy it but didn’t have enough cash for a reasonable down payment.

Next Generation of Proprietors

A client had several children who had been working in his center for several years but were growing impatient to have real management responsibilities.

Down Payment Support Seller Note

A proprietor wanted to sell his center and retire. He said that his tenant was interested in buying but didn’t have much money.

Buying/Selling Case Study 1

My clients had been leasing their building for more than ten years when the opportunity to buy it arose.

Preparing Projections

A proprietor wanted to move his center to a new and larger building but needed projections to support his loan request.

Valuation of A Center

Two brothers were considering selling their center and retiring. They wanted to compare the cost and risk of converting their center into a family entertainment center and remaining with the business with the potential sale price of their center in existing condition.

Feasibility Studies

A bank approved a loan for my client subject to a feasibility study to confirm the need for the new center.

Reopening A Closed Center

An older center had been closed for several years but the building was still in good condition. My client wanted to reopen it.

Debt Consolidation Loans

My client had a relatively successful center in a small town. However, it was in run down condition when he bought it and the loan that he used to finance the purchase did not include any money for upgrades. As a result, he had used several short-term loans with high payments to finance the upgrades.

Bowling As A General Purpose

A former client wanted to refinance his SBA loan since it had a variable interest rate and rates had risen substantially since the loan was put in place.

Non-SBA Solutions

My clients bought their center several years before and wanted to refi into a fixed rate and pay back some debt owed to shareholders.