We are America’s Boarding Kennel Credit Engine.
Turning Operators Into Owners with (PCB)
Traditional lending often keeps skilled operators in “employee mode” because the down payments and credit requirements are structured for those who already have capital. The PCB model changes that. By underwriting both real estate value and revenue trajectory, we provide financing pathways that allow qualified operators to step into full business ownership. When people who already do the work are given the chance to own the business, the result is stronger operations, better care outcomes, and long-term success.
Strengthening Small Business Infrastructure with (PCB)
Small businesses are the backbone of local economies, but they often lack access to stable financing that aligns with the realities of growth. The PCB combines real asset collateral with revenue-based underwriting, allowing financing to support the business through stabilization—not just after it. This leads to healthier business development, long-term employment opportunities, and better services delivered within the community. When financing supports growth instead of restricting it, businesses are able to become durable foundations in their markets.
Keeping Business Ownership Local with (PCB)
Large PE Groups and corporate consolidators are buying local businesses at record pace. When ownership leaves the community, the culture of care changes—and the money leaves, too. Our financing structure supports ownership that stays where the work happens: with operators who live in, serve, and contribute to their local communities. Local owners hire locally, spend locally, and reinvest in the places where they raise families and build lives.
Expanding Access to Ownership with (PCB)
Our programs are open to any qualified borrower, while intentionally improving access for operators who historically faced barriers to traditional financing. We do not lower standards—we evaluate potential differently. We look at capability, operational skill, and revenue maturation alongside real collateral strength. This approach rewards discipline, care, and commitment, allowing more determined business owners to participate in the opportunities they have earned.