Application Form

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Thank you for your interest in applying for business financing with MMG Capital Group. Please answer the following questions so we can determine which of our funds are the best solution for your business. Completing this initial information request will not impact your credit score.

Upon completion of the questionnaire, you will receive a recommendation indicating which MMG Capital Group program application you should submit based on your responses. A Non-Refundable $250.00 application fee is required at the time of the application submission if you decide to move forward. Your application will not be processed or considered until the fee is received.

You acknowledge that the program recommendation is not a guaranty you will receive financing and that you may be required to switch to another fund upon further review by MMG Capital Group.

MMG Application Form
Is the applicant’s place of business (company headquarters) currently located or will be located upon receipt of the requested financing in the state of Maryland?
Is the applicant engaged in any of the following businesses: Real Estate Development, Real Estate (not being used by applicant), Adult Entertainment Establishments, Bars, Film and Theater Productions, Gambling/Sports Betting, Recording Studio, Cannabis Dispensaries
Is the applicant or any of its owners under an active bankruptcy plan?
Is the applicant or any of its owners or officers currently past due on any federal or state (business or personal) taxes or other federal debt (e.g., student loan, SBA, USDA, etc.)? Choose “No” if you have a written, executed payment agreement with such federal or state taxing authority or other entity.
What type of financing are you applying for?
Do the individuals with at least fifty-one percent (51%) of the applicant’s ownership each have a personal credit score of at least 550? (Please note that there are several different types of credit scoring. MMG Capital Group uses FICO Score 8. There is a risk that the credit scores you get from other sources may be different from the FICO Score 8 credit score which may impact your ability to qualify for or obtain financing.)
Amount of financing sought?
Has the applicant been turned down for financing within the last 90 days?
Number of years the applicant has been in business?
Has the applicant been profitable in 2 of the last 3 years?

826 E. Baltimore Street
Baltimore, MD 21202

(410) 333-4270
mmgdeal@mmgcapitalgroup.com

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Taber J. Small

Taber J. Small is a Vice President and Loan Officer for MMG Capital Group. Prior to joining MMG, Mr. Small was an experienced commercial lender with previous employment at Bank of America, Wells Fargo, PNC, JP Morgan Chase and recently WesBanco Bank as a Senior Vice President Commercial Banker in middle market banking. During his tenure as a banker, he received numerous star banker awards and received the Omega Commercial Lending Advanced Credit Training Certificate of Achievement. He is a graduate of the University of Connecticut with a B.A. in Economics.

Mr. Taber is also very involved in the community and serves on numerous boards of organizations such as Associated Black Charities, Baltimore City Chamber of Commerce, 29th Street Community Center and NPOWER. He also serves on the development committee of the Reginald F. Lewis Museum and is a member of the Platinum Center Club based in Baltimore.

Contract Financing Program (CFP)

Contract Financing Program (CFP) provides financial assistance to eligible businesses in the form of direct loans. The funds may be used for working capital and the acquisition of equipment needed to begin, continue, or complete work on contracts where a majority of funds are provided by a federal, state or local government agency or utilities regulated by the Public Service Commission. Financing is limited to $2,000,000 and must be repaid during the term of the contract(s). Applicants may qualify for financing prior to contract award. Financings in the form of revolving lines of credit are renewable on an annual basis.

General Eligibility:

  • Principals must be of good moral character and have a reputation for financial responsibility;
  • Company must have its principal place of business in Maryland;
  • Company must be unable to obtain adequate business financing on reasonable terms through normal channels because of:
    • o An identifiable physical handicap that severely limits the ability of the applicant to obtain financial assistance;
    • o Its principal(s) belongs to a group that historically has been deprived of access to normal economic or financial resources because of race, color, creed, sex, religion, or national origin; or
    • o Any other social or economic impediment that is beyond the control of the applicant, such as lack of formal education, financial capacity or geographical or regional economic distress.
  • Company must have applied for and been denied a loan by a financial institution, evidenced by a turndown letter.
  • If the applicant is other than a sole proprietorship, at least 70 percent of the business enterprise must be owned by individuals who meet the qualifications for applicants.
  • Issuance of a loan must generate substantial economic impact (i.e. job creation or retention, and tax revenue for the state) in relation to the amount of the loan.
 

Maximum Policy Limits: Loans Provided Directly by MSBDFA $2,000,000

Interest Rates: Generally Prime Rate + 2% Payments: Principal and interest are payable as contract proceeds are received, in amounts satisfactory to MMG and the Authority. All Payments must be assigned to MSBDFA

Term: Duration of the Contract(s)

Use of Proceeds: Working Capital, Purchase of Machinery and Equipment, Supplies and Materials (Required to perform the contracts)