Sometimes the smartest path to growth isn’t starting over — it’s strategically leveraging what you already have.
That’s exactly what one of our clients in Maryland did. Working with Grammont Enterprises, they were able to unlock capital from their existing real estate through a refinance — then immediately reinvest those funds into a $1,000,000 business expansion loan using our 90/10 Private Loans for Business program.
It’s a perfect example of how smart debt, structured correctly, accelerates growth without unnecessary risk or delay.
Step 1: Refinancing to Unlock Capital
Our client owned a valuable residential property in Silver Spring, Maryland, but their business ambitions were outpacing their available cash flow.
Traditional lenders had turned them away — the process was slow, the documentation excessive, and the requirements inflexible. The client didn’t want to sell assets or wait months for approval. They needed to free up capital fast to position their company for the next stage of growth.
That’s when they turned to Grammont Enterprises.
We structured a $670,000 refinance on their real estate, providing quick access to the equity they’d built over time.
The outcome:
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Fast approval and funding
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No personal guarantee required
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Smooth, flexible underwriting
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Capital freed for reinvestment
This refinance wasn’t an end goal — it was a strategic first step. The client now had liquidity and financial flexibility to pursue a larger opportunity.
Step 2: Expanding with Grammont’s 90/10 Program
With fresh capital in hand, the next goal was clear: expand the business.
That’s where our 90/10 Private Loans for Business program came in. This time, we structured a $1,000,000 business loan designed to fuel that growth — covering new operations, equipment, and working capital.
Here’s how the 90/10 model works:
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Grammont funds up to 90% of the total project or acquisition cost.
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The client contributes 10%, either from cash, equity, or structured sources.
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If the full 10% isn’t available, we help source or structure it to keep the deal moving.
This approach gave the client maximum leverage with minimal capital commitment — allowing them to scale operations while maintaining liquidity for other priorities.
Within weeks, they had secured seven-figure funding to expand their business, thanks to a creative, strategic partnership with Grammont.
A Two-Part Solution That Builds Momentum
What makes this story so powerful isn’t just the funding amounts — it’s the sequencing and strategy.
By starting with a refinance, the client unlocked equity from existing assets.
Then, by combining that liquidity with Grammont’s private lending programs, they leveraged that capital into a much larger business loan — all without waiting on banks or SBA approval.
It’s the kind of creative financial strategy that turns stalled growth into momentum.
Why Private Lending Was the Right Choice
For this client, speed and flexibility were non-negotiable.
Traditional lenders wanted personal guarantees, lengthy appraisals, and months of underwriting. Grammont moved faster — with approvals in days and funding completed within weeks.
The Grammont Advantage:
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Funding up to $100M+
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No personal guarantee required
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Flexible deal structures tailored to each project
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Fast approvals and closings
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Strategic consulting to help clients structure complex financing
With private lending, the client avoided the bureaucracy and kept their growth on track.
Leveraging Debt the Smart Way
Many entrepreneurs view debt as a burden. But when used strategically, it’s one of the most powerful tools for growth.
In this case, debt wasn’t about survival — it was about acceleration.
The refinance unlocked capital, and the business loan multiplied it — creating a growth cycle that traditional financing simply couldn’t match.
At Grammont Enterprises, that’s exactly what we help business owners do:
turn assets into leverage, leverage into opportunity, and opportunity into lasting success.
The Bottom Line
From a $670,000 property refinance to a $1,000,000 expansion loan, this Maryland client proved that when you partner with the right lender, debt becomes a strategic advantage — not a setback.
If your business is ready to grow but traditional financing is holding you back, explore what’s possible with Grammont Enterprises’ Private Loans for Business.
You don’t need to wait for approval — you just need the right structure.