Funding & Financing
Get the capital
to buy, invest,
or sell on your terms
Whether you're buying a business, investing in real estate or another deal, or selling a business and need financing options for your buyer, PAC Consulting matches you with the right funding path. Answer a few quick questions to see if you qualify.
4.8 rating from 500+ businesses helped
- Free consultation · No obligation
- Takes about 60 seconds
- Confidential. Nationwide. Results-Driven.
What kind of funding are you looking for?
$500M+
Transaction volume
500+
Businesses helped
10+
Years experience
Nationwide
Based in Houston, TX
How it works
From "can I get funded?" to a
clear plan in three steps
No paperwork maze, no guessing. Here's exactly what happens.
Answer a 60-second questionnaire
Tell us whether you're buying, investing, or selling, how much funding you need, and where you stand today. No documents, no hard credit pull, just quick taps.
We match you with the right funding path
SBA loans, lines of credit, revenue-based funding, seller notes: we compare the routes that actually fit your deal instead of forcing one product.
Book your free consultation
Walk through your options with a funding advisor and leave with a clear roadmap: what you qualify for, what to strengthen, and what happens next.
Why PAC
Funding with PAC Consulting
vs. going to the bank alone
Funding with PAC
- One guided application: we handle the packaging and paperwork
- A deep lender bench compared for you: SBA loans, lines of credit, revenue-based funding
- Deal-structure advice from people who broker deals every day
- Your file presented the way lenders want to see it
- No upfront cost: the consultation is free
- A funding roadmap even if you're not ready to move yet
Going to the bank alone
- A paperwork maze you navigate on your own
- One bank's yes or no: a rejection means starting over from scratch
- No advice on structuring the deal or the down payment
- Your application judged exactly as you submitted it
- Application fees and rigid checklists
- Weeks of waiting that can cost you the deal
Who we help
Whoever needs capital,
funding is the hard part
Business buyers and sellers, real estate investors, and other investors: these are the situations we work with every week.
First-time business buyer
You've found (or are hunting for) your first acquisition and need to know what funding you can realistically get before you make an offer.
Real estate investor
Flip, rental, or a bigger portfolio play: we help you line up capital for the deal in front of you, not just a one-size loan product.
Buying with an SBA loan
SBA financing is powerful but unforgiving on paperwork: we package your application so it survives underwriting.
Acquisition entrepreneur / searcher
You're running a search and need a repeatable capital stack: debt, investor equity, and seller notes that close deal after deal.
Raising capital for an investment
Not a business or a house: just a deal that needs funding. We help investors of every kind figure out what they actually qualify for.
Selling: your buyer needs financing
Your buyer's funding is the #1 reason sales fall through. We structure financing options that keep your deal alive and your price intact.
Franchise purchase
Franchisors move fast and expect proof of funds: we line up franchise-friendly funding before your discovery day.
Partner buyout
Buying out a partner without draining the business takes the right structure: we help you fund it while keeping cash flow healthy.
Working capital for an existing business
Not buying or selling, just need capital to grow, cover a gap, or seize an opportunity: we match existing owners with financing that fits without over-complicating it.
Phillip Crawford
Founder & CEO, PAC Consulting
Meet the Founder
Straight Talk. Real Results.
I help owners sell and secure capital, with straight talk, clean packaging, and a deep buyer/lender bench. Based in Houston, working nationwide.
With over 10 years of experience and $500M+ in transaction volume, I specialize in preparing businesses for maximum exit value and connecting them with the right capital partners.
Read the full story →Show less
PAC Consulting is a business brokerage and M&A advisory firm founded by Phillip Crawford, born in Houston, raised mostly in New York, with an accounting degree from SUNY Old Westbury. After a near-fatal battle with COVID-19 in 2020 reshaped his perspective, he immersed himself in money, credit, and investing, and built PAC into an ecosystem helping business owners understand credit and access to capital.
10+
Years Experience
$500M+
Transaction Volume
Houston
Nationwide Reach
Client stories
Hear it from people who've worked with PAC
Rating 4.8
A+ Rating
Rating 4.8
Trustpilot
TrustScore 4.8
“I've had a great experience working with PAC Consulting and Phill. The team is knowledgeable, responsive, and truly committed to helping their clients succeed. Phill, in particular, goes above and beyond to provide valuable insights and practical guidance throughout the process. Their professionalism and attention to detail really stand out, and I would gladly recommend them to anyone looking for reliable and results-driven business support.”
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Sam Saleh
Business Owner
“I can't express the depth of my appreciation for Phillip. He swooped in and saved a business deal for me when I was backed into a corner. He stayed with me all the way, was professional, patient, and so confident which I needed badly because I was within an inch from losing my start-up business when he came in changed the playing field for me and my business. He has my respect and my vote for the #1 person.”
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Joie Van Zandt
Startup Founder
“PACConsults transformed our exit strategy. We sold for 40% more than our initial valuation thanks to their guidance.”
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Robert D.
Business Owner, Austin, TX
No black box
How funding decisions actually work
Six things every lender evaluates, and we help you strengthen each one before your file hits an underwriter's desk.
Credit profile
Lenders read your credit as a track record, not just a number. We flag what's helping, what's hurting, and what's fixable before you apply.
Down payment & liquid capital
Skin in the game matters to every lender. We help you count everything that qualifies and structure deals so your capital goes further.
Cash flow
Whatever you're funding (a business, a property, a deal) has to service its own debt. We stress-test the numbers the same way underwriters will, before they do.
Collateral
Assets backing the loan lower the lender's risk. We identify what counts as collateral in your deal, often more than buyers realize.
Deal structure
Seller notes, earnouts, equity partners: the right structure can turn a 'no' into a 'yes'. This is where a brokerage-led team earns its keep.
Experience with the deal type
Lenders want to see someone who can actually execute what they're financing. We help you present relevant experience clearly, even if it's not a one-to-one match.
Weak in one of these areas? That's exactly what the free consultation is for: most funding plans are built around strengthening one or two of them.
FAQ
Frequently asked questions
Do I need perfect credit?
No. Different funding programs weight credit very differently: strong credit opens more doors, but plenty of deals close without it. That's exactly why the questionnaire asks: so we can point you at the paths that fit your actual profile instead of letting one bank's cutoff decide for you.
How much down payment do I need?
It depends on the loan program and how the deal is structured. Most acquisition lenders expect the buyer to bring some capital to the table, but seller financing and other structures can significantly change how much. On your consultation we'll tell you the real number for your situation.
How fast can funding close?
It varies by funding type: some options move in weeks, while SBA loans typically take longer. Tell us your timeline in the questionnaire and we'll plan backward from it, so the financing is never the reason you lose the deal.
Does this cost anything?
The questionnaire and consultation are completely free, with no obligation. If we end up working together on your funding, our compensation structure is transparent and all terms are clearly outlined in our engagement agreement. No surprises.
Do you only fund business purchases, or real estate and other investments too?
Funding is universal here: we work with business buyers and sellers, real estate investors, and other investors, not just one type of deal. The questionnaire asks what you're looking to fund so we can point you at the paths that fit your situation specifically.
Do you fund startups, or only existing businesses?
For business acquisitions, our focus is funding the purchase and sale of existing businesses and franchises. Lenders generally look for at least 6 months of operating history, positive cash flow, and good credit. If you're not there yet, fill out the form anyway and we'll tell you honestly whether we can help.
I'm selling my business: can you help finance MY buyer?
Yes, that's half of what we do. Buyer financing falling through is the single most common reason business sales die. Choose “sell a business” on the questionnaire and we'll walk you through structures that keep qualified buyers at the table without giving away your price.
What loan types do you work with?
SBA loans, business lines of credit, and revenue-based funding, matched to your business through our lender network, plus creative structures like seller notes and earnouts where the deal calls for them. The right answer depends on the deal, which is why we compare paths instead of pushing one product.
What happens after I fill out the form?
You'll see your result immediately. If it looks like a fit, you can book your free consultation on the spot. Either way, a PAC advisor reviews your answers and follows up. Nothing goes into a void.
Find out where you stand before you commit to a deal
Answer a few quick questions and get matched with the funding path that fits. If we can help, you'll book your free consultation on the spot.
- Free consultation
- No obligation
- Takes 60 seconds