Worth Avenue Capital, Guilford CT
Michael Ciaburri from Worth Avenue Capital

Michael Ciaburri

Worth Avenue Capital

About Us

Worth Avenue Capital provides private loans and other alternative financing to small businesses, real estate developers/investors all over New England.

Products & Services
All loans are secured by real estate
My company is a direct private lender that specializes in making loans to both small businesses and real estate developers/investors
A line of credit can provide more financial flexibility than a traditional loan. Worth Avenue Capital offers lines of credit to small business owne...
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Recent Activity

Michael from Worth Avenue Capital Answered this on September 22, 2020
I typically introduce my company as a direct private lender who specializes in making loans to small businesses. Our competitive advantage is that we can fund a loan request within one week with no bureaucracy and minimal documentation.  (more) I typically introduce my company as a direct private lender who specializes in making loans to small businesses. Our competitive advantage is that we can fund a loan request within one week with no bureaucracy and minimal documentation. 

Michael from Worth Avenue Capital Answered this on February 05, 2020
The answer to this question is very involved. I would need to speak directly when the loan applicant to provide a proper response.  (more) The answer to this question is very involved. I would need to speak directly when the loan applicant to provide a proper response. 

Michael from Worth Avenue Capital Answered this on November 22, 2019
My company’s greatest marketing challenge is to continue to create new visual Content that will attract new customers. (more) My company’s greatest marketing challenge is to continue to create new visual Content that will attract new customers.

Michael from Worth Avenue Capital Answered this on September 17, 2019
Make sure that the company from whom you are applying for the loan is reputable. There are numerous consumer lenders with a national footprint that provide personal loans. Canvass the marketplace and compare the different interest rates and fees that each lender is proposing before making your... (more) Make sure that the company from whom you are applying for the loan is reputable. There are numerous consumer lenders with a national footprint that provide personal loans. Canvass the marketplace and compare the different interest rates and fees that each lender is proposing before making your choice.
1 Reply

Michael from Worth Avenue Capital Answered this on March 15, 2019
My company is a direct private lender that specializes in making loans to both small businesses and real estate developers/investors who are having difficulty obtaining conventional bank financing. All of our loans are secured by real estate and we can fund a loan within one week or less from the... (more) My company is a direct private lender that specializes in making loans to both small businesses and real estate developers/investors who are having difficulty obtaining conventional bank financing. All of our loans are secured by real estate and we can fund a loan within one week or less from the day of the request with no bureaucracy.

Michael from Worth Avenue Capital Answered this on January 18, 2019
Every quarter via internally prepared financials by the CFO. (more) Every quarter via internally prepared financials by the CFO.

Michael from Worth Avenue Capital Answered this on January 18, 2019
If you are trying to secure financing for your small business then consider contacting a direct private lender that specializes in making small business loans. Private lenders are unregulated and are not affected by the government shutdown and continue to make loans despite the shutdown. On the... (more) If you are trying to secure financing for your small business then consider contacting a direct private lender that specializes in making small business loans. Private lenders are unregulated and are not affected by the government shutdown and continue to make loans despite the shutdown. On the contrary, SBA lenders and banks, who are regulated lenders, have been tremendously affected by the shutdown and their volume of loans to small businesses has decreased dramatically during the shutdown.

Michael from Worth Avenue Capital Answered this on November 09, 2018
There are two major reasons: 1. Banks are heavily regulated and the cost to underwrite and originate a small business loan for a bank is cost prohibitive and a "loss leader" for them. 2. Most small businesses do not have their "financial house" in order. As such, banks do not want to make loans... (more) There are two major reasons: 1. Banks are heavily regulated and the cost to underwrite and originate a small business loan for a bank is cost prohibitive and a "loss leader" for them. 2. Most small businesses do not have their "financial house" in order. As such, banks do not want to make loans to those small businesses that do not have either a working knowledge of their current financial condition or are behind in the filing of their tax returns.

Michael from Worth Avenue Capital Answered this on October 30, 2018
Small businesses struggle with raising capital and being properly funded in order to enable them to execute their business model. (more) Small businesses struggle with raising capital and being properly funded in order to enable them to execute their business model.

Michael from Worth Avenue Capital Answered this on October 05, 2018
I have never had to drastically reduce my overall costs and fees to secure a deal. But rather being persistent with the prospective customer in terms of getting a "face to face" meeting with them to properly sell my company's services. Most businesses rely on texting and emailing to secure new... (more) I have never had to drastically reduce my overall costs and fees to secure a deal. But rather being persistent with the prospective customer in terms of getting a "face to face" meeting with them to properly sell my company's services. Most businesses rely on texting and emailing to secure new business. On the contrary, I rely on the "old school" method of personally meeting each potential customer and have found that being personal and "high touch" is a much more effective marketing tool than sending someone a text message or email.

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