Helping small
businesses secure
their future
Anchor Financial Services specializes in loan structuring, business consulting, and financing solutions for small business owners and entrepreneurs — with no upfront fees, ever.
A proven track record helping small businesses grow
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1,000+Businesses ConsultedWide-ranging experience across industries and business types
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$47M+In Financing SecuredAll types of business loans and alternative financing
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13+Years of ExperienceFounded by Michael Ellsberry, a lifelong small business advocate
Services built for
small business owners
Whether you need financing to start or expand, or consulting to maximize profits and cash flow, Anchor Financial Services brings deep expertise and a personal approach to every engagement.
Loan Structuring
We structure and present your loan for the best possible outcome — helping you secure the financing your business needs, from $100,000 up to $10 million.
- Loan amounts: $100K – $10M
- SBA and conventional loans
- Document organization & presentation
- Lender identification & matching
- Follow-through to closing
Business Consulting
Maximize profits and cash flow with expert analysis of your operations, benchmarked against real industry standards.
- Profit & cash flow analysis
- Operating performance review
- Industry benchmarking
- Business formation guidance
- Process improvement recommendations
Alternative Financing Sources
When traditional bank loans aren't the right fit, we identify and pursue alternative financing options tailored to your specific situation.
- Non-bank lender identification
- Equipment & asset-based financing
- Revenue-based financing
- Bridge & short-term solutions
- Financing comparison & guidance
Cash Flow & Business Planning
Get the financial visibility your business needs with custom cash flow projections and a clear roadmap for sustainable growth.
- Cash flow projections
- Revenue & expense modeling
- Business plan development
- Startup & expansion planning
- QuickBooks & financial systems support
How we work
with you
Free Initial Conversation
We start by listening — learning how you see your needs, explaining our process, and reviewing some basic information about your business. No fees, no commitment.
Proposal & Agreement
Based on what we learn, we create a clear proposal defining whether this is a consulting or financing engagement. No fees are ever payable in advance.
Analysis & Development
We collect necessary documents and get to work — developing your loan package or business analysis. We stay in close contact via phone, text, or Zoom throughout.
Presentation & Follow-Through
You receive a copy of our work. For loan projects, we present to lenders you approve and stay with you through closing. You're always in charge of the process.
"Your work is confidential and will never be shared with anyone else."
Led by someone who
grew up in small business
Anchor Financial Services (AFS) is a consulting firm specializing in securing financing for small businesses — whether you're starting a new venture or expanding an existing one. AFS also works with current business owners who need help maximizing profits, managing cash flow, and benchmarking performance against industry standards.
Michael Ellsberry founded Anchor Financial Services out of a genuine passion for helping small business owners succeed. He grew up in a small business and carried that entrepreneurial spirit through his education at the University of Texas at Austin and across a career spanning multiple industries — including his family's Marine & Industrial Supplies business, loan brokerage, and more than 13 years as a small business consultant.
Mike also served as President of the Dallas Boat Show. His first-hand knowledge across a wide variety of trades gives clients invaluable insight into what it truly takes to operate a successful business.
"We've touched many types of businesses over the years and will likely have experience with one like yours."
Transparent fees,
no surprises
We look to the lender first
When helping you secure a loan, our first approach is to be paid by the lending institution — meaning there may be no charge to you at all.
If we cannot find a lender to cover our fee, we only expect payment once you've accepted a loan offer — typically 1% of the gross loan value.
Pay only when the work is done
For consulting work, our fee is earned only after we've delivered a completed report. We never charge for work in progress.
Our fee is based on an hourly rate against a total maximum estimate — and you always pay the lesser of the two. No billing surprises.
Let's talk about
your business
There's no cost to have an initial conversation. Tell us about your situation and we'll explain exactly how we can help — and what it would cost.
Athens, TX 75751
Start a Free Conversation
No fees. No commitment. Just an honest conversation about your business and how we can help.
No fees are ever charged in advance. All information is kept strictly confidential.