Competition instead of one bank
Every need gets several scenarios and is presented to several suitable lenders in parallel, so your decision does not hang on one offer.
ABOUT SBC
About SBC: investment banking and financial advisory for Israeli businesses
SBC, Solutions Banking Capital, is an Israeli investment banking and financial advisory boutique. We advise on financing, capital raising, M&A and valuations, and put the lenders that fit each file, out of about 40, in competition. SBC does not lend. In financing our fee is success based; in capital raising and M&A it depends on the scope of the work.
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Most business owners know the moment: they need financing, go to the bank where the account is held and get one offer, with nothing to compare it to. SBC exists to change that starting point: one organised file, presented to several suitable lenders in parallel, so that they compete for your business.
We bring 15 years of combined experience and ₪800M in transactions and financing supported. Our role is advisory and submission under a power of attorney from you. The credit is given by the lenders, and the decision is theirs. Our office is at Jabotinsky 9, Bnei Brak, and we work with clients across Israel.
What guides us in every file
Transparency on fees
The fee and its structure are agreed with you in writing before we start. In the lenders’ offers you see the rate, the fees and the collateral, not only the bottom line.
Expertise and technology
Experience in transactions and financing, with tools that ground our recommendations in numbers, including Equify (equify.co.il), the SBC valuation engine.
Support after the financing
The work does not end at signing. After closing you can come back to us, with the lender’s questions or when the business changes and you want to review the debt structure.
Working relationships with banks and non bank lenders
We work with about 40 lenders and investors, and for each file we choose the ones that fit the need, the amount and your sector.
A personal approach
One of the partners manages the file, and it is not handed to a junior team halfway.
Why not go straight to the bank: competition as a working principle
Whoever asks for credit, looks for an investor or sells a company sits across from parties that negotiate every day, while a business owner makes such a deal once every few years. That gap shows in the terms: the rate, the collateral and the price of the company.
The way to balance it is competition. When the same file, in the same version, reaches several suitable lenders in parallel, you receive several offers and can compare them by total cost, not only by the rate. This does not mean leaving your bank: sometimes the offer chosen in the end is your existing bank’s, because now it knows others are competing.
Our fee: what it means in practice
The initial review is free of charge: we understand the goal and the financial picture, and tell you honestly whether there is something to take to the market.
In financing our fee is success based; in capital raising and M&A it depends on the scope of the work. The structure is agreed with you in writing before we start. Our interest is that the deal or the financing happens on terms that suit you, so we review every file before taking it, and say in advance when it is not the right time to go to the market.
The vision: digital investment banking
For years investment banking was reserved mainly for large companies. We are building SBC as a digital investment bank, to bring the same professional work to small and medium businesses as well.
We are building a system to manage every file from the first contact to signing with about 40 lenders and investors: documents, submission, questions and offers, in one place. The aim is that in time you can see in it where your file stands and what is missing. Technology does not replace the conversation with a partner; it saves manual work, so our time goes to understanding the business and to negotiation.
Who we work with
Businesses and companies: financing, equity and debt raising, mergers and acquisitions, strategic partners and valuations. We specialise in renewable energy and defense companies, and support businesses in sectors such as hospitality, import and trade, contractors and industry.
Private clients have a separate line: loan consolidation, a loan against property and mortgages, for requests from a total of about ₪100K. In M&A and in capital raising, every approach to the market is made under a non disclosure agreement and at the pace you set.
How we work with you
Diagnosis
A diagnosis call with one of the partners, free of charge: the goal, the situation today and the route that fits. On WhatsApp SBC’s agent answers first, and a partner joins when needed.
Documents
A list fitted to the request, uploaded on the secure documents page. From the documents we build one file that explains the business.
Submission and competition
Under a power of attorney from you, we present the file to the suitable lenders out of about 40, answer their questions and collect offers.
Negotiation and closing
The offers are shown to you side by side. We lead the negotiation and support you until signing, and the choice is yours.
Support after closing
After signing you can come back to us, for example when the business changes and you want to review the debt structure.
What to prepare for the first conversation
- A short description of the goal: financing, a raise, a sale, an acquisition or refinancing
- The estimated amount, and what it is for
- The latest financial statements, if you have them
- The existing loans and facilities
- A recent credit data report, for financing or loan consolidation
- The questions on your mind, even if they sound basic
Questions and answers
Does SBC give loans?
No. SBC does not lend. Credit is given by the banks and the other lenders, and they decide on approval, amount and terms. We advise and support you, and submit the file under a power of attorney from you.
How much does SBC’s advisory cost?
The initial review is free of charge. In financing our fee is success based; in capital raising and M&A it depends on the scope of the work. The structure is agreed with you in writing before we start.
How many lenders does SBC work with?
About 40 lenders and investors: banks, funds, institutions and non bank lenders. Not every file goes to all of them: we choose the ones that fit it.
Can SBC promise approval or a rate?
No. Approval, the amount and the rate are the lender’s decision, and nobody can promise them in advance. We submit an organised file to the lenders that fit it and show you every offer received.
What is the connection between SBC and Equify?
Equify is the SBC valuation engine. It runs four models, including DCF and market multiples, and is calibrated to the Israeli market. You can run an indicative valuation check yourself at equify.co.il.
Want to check this on your own numbers?
A first conversation and an initial review, at no cost. In financing our fee is success based; in capital raising and M&A it depends on the scope of the work.
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