Pinnacle Commercial Capital, Founded in 2002 by Mr. William Wildman, Pinnacle Commercial Capital is a leading commercial finance company that engages in the business of financing franchisees and franchisors, and other branded businesses throughout the United States. Pinnacle offers innovative loan products to business owners who have the operating experience and share a vision of success. Pinnacle Commercial Capital is a specialty finance firm that provides a full suite of financial products and services to owners of franchise and branded retail businesses. Pinnacle’s clients include multi-unit owner-operators of national and regional franchises of quick service restaurants, fast casual dining, casual, and family dining restaurants, auto aftermarket and specific specialty retail franchises. Located in Indianapolis, Indiana, Pinnacle is managed by a team of corporate finance professionals with over 125 years of combined experience in the franchise finance industry. Pinnacle offers a variety of loan programs to franchisees and franchisors on a national basis. Pinnacle offers a variety of loan products to franchises designed to meet the varied financing needs of franchise operators. There are a variety of different services that Pinnacle can offer their clients.
Pinnacle offers a variety of loan products and terms, including both fixed and floating rate loans of various maturities, to meet the financing needs of franchises. Pinnacle specializes in four core loan products. These consist of (1) leasehold only business enterprise loans, (2) real estate mortgage loans, (3) a loan product combining aspects of each of previous two types of loans and (4) equipment leasing products. The leasehold business enterprise value loan product is for those situations in which the borrower does not own real estate. The real estate mortgage loan is used for an owner-operator franchise unit, in which the borrower also holds the title to the real estate. The combined loan product, incorporating both a business enterprise value approach with a real estate valuation, is used primarily to combine the underwriting methodology to maximize the Borrowers total franchise valuation. The leasing products are used for re-image and small equipment purchases or other franchisor mandatory purchases. The leasing products include both operating and capital leases, tailored to fit the specific needs of the Borrower. Pinnacle offers construction loans to experienced multi-unit operators for new store development, with the expectation that the construction loan be designed to convert automatically into a standard long-term or permanent loan product upon fulfillment of certain conditions, thereby allowing the Borrower to lower his closing costs and reduce the possibility of not being able to close with different permanent lender. |