Smart entrepreneurs think differently about capital.
They do not see debt as something to avoid. They see it as a tool to accelerate growth, increase leverage, and control larger opportunities without draining their own liquidity.
That is why growth-minded leaders consistently choose structured business loans like Grammont Enterprises’ 90/10 Funding Model.
When used strategically, the right business loan does not slow you down. It multiplies your ability to scale.
What Makes 90/10 Business Loans Different
Traditional lenders often require:
• 20% or more down
• Full personal guarantees
• Lengthy underwriting timelines
• Strict collateral requirements
For business owners looking to expand quickly, tying up 20% or more of a project’s cost can severely limit liquidity and restrict additional opportunities.
Our 90/10 business loans work differently.
Under this model:
• Private lender funds up to 90% of the total project cost
• You contribute just 10% equity or capital injection
• If your full 10% is not readily available, we can help structure or source it
That means you can move forward with half the out-of-pocket capital most lenders require.
This lower entry threshold is one of the primary reasons growth-minded owners prefer our structure over traditional bank financing.
Why 10% Down Changes the Growth Equation
Requiring only 10% down instead of 20% or more does more than reduce upfront cost. It creates strategic flexibility.
With less capital tied up in a single deal, you can:
• Preserve working capital for operations
• Maintain reserves for unexpected costs
• Pursue multiple acquisitions or projects simultaneously
• Scale faster without exhausting liquidity
Growth-focused entrepreneurs understand that liquidity is leverage. The 90/10 structure protects that leverage.
Ideal Uses for 90/10 Business Loans
Our clients use these business loans for:
• Business acquisitions
• Expansion into new markets
• Equipment and infrastructure upgrades
• Commercial real estate-backed projects
• Large-scale operational growth
Because funding is structured around opportunity and projected performance, it supports forward-looking growth rather than restricting you to rigid lending formulas.
Speed as a Competitive Advantage
Timing often determines success.
Waiting 60 to 90 days for traditional bank approval can mean losing a deal entirely. Private business loans under the 90/10 model are designed for speed-to-decision.
Instead of navigating multiple layers of bank committees, you work directly with capital partners who understand complex growth strategies.
When opportunity appears, decisive funding wins.
Who the 90/10 Model Is Right For
This strategy works best if:
• You are pursuing a project over $1 million
• You value speed and flexibility over lowest-cost capital
• You want to preserve liquidity instead of tying up 20% or more upfront
• You are prepared with a clear growth or acquisition plan
It may not be ideal if you qualify for traditional bank financing, and are comfortable committing significant upfront capital and signing personal guarantees.
The traditional banking system serves a purpose. But it is not built for every opportunity. Many of the strongest growth plays fall outside those narrow parameters.
That is where alternative business financing becomes a primary strategy, not a backup plan.
Leverage Without Losing Control
One of the biggest misconceptions about business loans is that borrowing increases risk.
In reality, structured correctly, leverage reduces risk by allowing you to preserve liquidity and maintain flexibility.
With the 90/10 model, you are not exhausting 20% or more of your capital reserves. You are contributing 10%, controlling a larger asset base, and keeping cash available for continued growth.
That is why growth-minded business owners consistently choose this structure.
The Bigger Picture
The most successful entrepreneurs do not wait until they have 100% of the capital required. They structure opportunities intelligently.
90/10 business loans are designed for leaders who think beyond incremental growth and toward scalable expansion.
If you are planning your next acquisition, expansion, or large-scale project, the question is not whether you need capital.
The question is whether your capital structure supports the size of your ambition.
For growth-minded business owners, the answer is often 90/10.