About Phil Winn

Phil Winn is a business financing expert with a degree in business from the University of Vermont, where he studied finance, management information systems, and business law. He began his career as a residential mortgage broker before pursuing his passion for business financing with a focus on SBA lending, conventional lending, and alternative funding solutions. Since then, Phil has helped thousands of entrepreneurs secure hundreds of millions of dollars in business financing.

Phil’s entrepreneurial spirit emerged early in life. Starting as a paperboy in elementary school, he later launched a landscaping business in middle school that employed his friends. In high school, he began teaching skiing and snowboarding to individuals with disabilities, a pursuit he continued through college and beyond. These experiences shaped his lifelong commitment to entrepreneurship and supporting others.

With a deep understanding of business financing, Phil specializes in loan qualification, business plan development, and feasibility analysis. He has honed streamlined processes that make it easier for business owners to secure the funding they need while avoiding common pitfalls. His expertise covers traditional and alternative financing, including commercial real estate, and he is a strong advocate for SBA programs like the SBA 7(a) and SBA 504.

Phil offers a range of services designed to help entrepreneurs:

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  • Business Loan Consultation: Assessing different loan programs to identify the most suitable options.
  • Eligibility Analysis: Determining qualification for conventional and specialized loan programs.
  • Loan Preparation Guidance: Providing expert advice to optimize your application.
  • Business Plan Development & Feasibility Analysis: Crafting strong business plans that appeal to lenders.
  • Debt Refinance & Consolidation: Helping restructure existing business debt.
  • Expansion & Acquisition Consultation: Supporting growth and acquisition efforts, including intangible assets like goodwill.
  • Access to Financing Solutions: Facilitating connections to appropriate business loans and funding sources.
  • Professional Referrals: Connecting clients with trusted partners such as CPAs, commercial real estate brokers, attorneys, financial planners, and insurance providers.

Phil has successfully facilitated financing for businesses across various industries and stages, including franchise brands like Subway, Dunkin’ Donuts, McDonald’s, Goddard, and Choice Hotels. His extensive experience working with regional and national lenders ensures that you receive the best loan solution tailored to your needs.

Phil goes beyond being a financing expert—he’s your loan approval coach. His personalized approach provides a custom financing strategy after discussing your specific needs and goals. Whether you’re starting the loan application process or facing setbacks with an existing application, Phil Winn is ready to help you secure the capital your business needs to thrive.