A stem cell banking business found the right commercial space to build a new clean room and had less than 48 hours to make a credible move. Other buyers were interested. The property would not wait. And with only one year in business, conventional financing was not going to happen in time. The merchant needed a lender who could approve a deal while others were still requesting documents.
Vision
A dedicated clean room would unlock meaningful capacity growth: more clients, more storage, and a stronger position in a specialized market. The space in Florida was the right fit at the right moment. The question was whether the financing could keep pace with the opportunity.
Opportunity
Real estate opportunities in specialized medical and research spaces do not come along often. When one fits the business model and the location, moving fast is not optional. The merchant recognized what was available and had the business case to support it. The financing was the last piece.
Challenge
Competing Buyers
Other parties were evaluating the same property. Every day without a commitment was a day another buyer could act.
Limited Operating History
At one year in business, the company did not qualify under most lenders' minimum tenure requirements. The track record was short, even if the business itself was sound.
Complex Financial Picture
The business's financials required a deeper look than most lenders were willing to take. Additional bank statements told a fuller story, but only if someone was willing to read them.
How Fora Financial Helped
Fora Financial delivered an offer in under 48 hours. The underwriting team reviewed the additional bank statements that other lenders had skipped over, which revealed a business stronger than the surface metrics suggested. The merchant was approved for $110,000, more than double the initial expectation, and the funds arrived in time to close the property before any competing buyer could act.
Results
Space Locked In
The property was secured before any competing buyer could move on it.
Double the Expected Amount
The approval came in at more than twice what the merchant anticipated qualifying for.
More Runway Than Planned
The additional capital covered more of the expansion costs than originally budgeted, reducing financial pressure during the build-out.
Conclusion
The merchant won a competitive property acquisition, received more funding than anticipated, and walked away with a clean room ready to build. The difference between that outcome and losing the space to another buyer was less than 48 hours and a lender willing to do the extra work.
Why Fora Financial
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Banks Said No
One year in business closed every conventional door. Fora Financial evaluated the actual business, not a checkbox.
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Offer in 48 Hours
The timeline was the whole story. No other option could have moved fast enough to compete for the property.
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Full Picture Reviewed
Taking the time to review additional bank statements led to a larger approval and a better result than the merchant had thought possible.