Term loans & private credit
A defined investment, acquisition or refinance.
What supports it
Sustainable cash flow and the debt the business can carry.
What to examine
Compare amortization, leverage limits, covenants and the cost of an early exit.
Explore the financing decision
Different needs. One team to take them to market.
Acquisition financing
Finance a business acquisition with a clear lender package. Compare SBA, conventional debt and seller notes, with equity and working capital accounted for.
Business debt refinancing
Refinance business debt with the full exit cost in view. Compare payments, payoff penalties, maturity and lien releases before taking your file to lenders.
Lines of credit & ABL
Find a business line of credit that fits your cash cycle. Assess receivables, borrowing-base availability, reserves and reporting before lender outreach.
Capital structure
Structure business debt around repayment capacity. Compare term loans, revolvers and junior capital with cash flow, covenants and flexibility in view.
Find a starting point
What does the capital need to do?
Choose your goal to explore possible structures and what we need to assess them. No sign-in required.
Showing financing routes and preparation checklist for: Fund growth.
Fund growth
Give the investment time to pay you back.
The first question: When does the investment start generating cash, and what supports repayment until then?
Routes to explore
- Term loans & private credit
For a defined investment repaid from future operating cash flow.
- Bank lines & asset-based lending
For inventory and receivables that rise as sales grow.
- SBA financing
For an eligible expansion where the program and repayment structure fit.
A profitable expansion can still run short of cash. We test the ramp-up period before choosing a debt structure.
What moves the review forward
Core documents, where available
- Two years of business tax returns
- Year-to-date P&L and balance sheet
- Current debt schedule
For this goal
- Growth budget and use of funds
- Monthly forecast with the assumptions behind it
- Existing loan agreements and debt schedule
Talk through the options first, or sign in by email to upload what you have. We identify what is missing.
These are starting points for a conversation, not an eligibility assessment or financing offer. The right structure depends on your financials, collateral, transaction and lender requirements.
The financing toolkit
The right capital has to fit the business.
Sometimes one facility does the job. Sometimes it takes a term loan, a revolver and equipment debt working together. We evaluate the whole structure before approaching lenders.
Bank lines & asset-based lending
A recurring gap between paying suppliers and collecting from customers.
What supports it
Cash flow or a borrowing base of eligible receivables and inventory.
What to examine
Availability can change with the business. Reporting, reserves and lien priority matter.
SBA financing
Eligible acquisitions, expansions, equipment and refinancing.
What supports it
Program eligibility, repayment ability and the proposed use of funds.
What to examine
Test the structure and documentation requirements early, before building a process around SBA.
Equipment loans & leases
Machinery, vehicles and other productive assets.
What supports it
The asset, its useful life and the borrower's credit.
What to examine
Look at ownership, residual value, early payoff terms and the effect on existing liens.
Invoice factoring
Cash tied up in invoices for work already delivered.
What supports it
Eligible invoices, customer credit and the ability to collect.
What to examine
Compare advance, reserve, fees, recourse and how customers are notified. Factoring is a receivables sale.
Contract & purchase-order financing
Direct costs that fall due before the customer pays.
What supports it
The award or order, performance costs, margin and payment terms.
What to examine
The financing has to reach the right expense at the right time. An award alone does not establish eligibility.
Buying a business
Finance the closing. Leave room for day one.
We put the purchase price, seller debt, buyer equity, closing costs and operating cash in one sources-and-uses model. Then we test the debt against the earnings the business can actually support.
The uses of capital
- AcquirePurchase consideration and required debt payoffs.
- CloseTransaction costs and financing fees.
- OperateWorking capital, planned investment and a cash cushion.
The lender package needs to explain how each use is funded and how the combined structure will be repaid.
Move the file forward
One engagement. From the first upload to the lender’s answer.
The work that gets you to market is shared across every financing category. We reconcile the financials, surface the gaps and prepare a package lenders can evaluate.
See how the process works →A coherent credit case
One set of financials, a clear use of funds and a structure the business can support.
How we underwrite →A package you can inspect
The model, presentation and teaser show lenders the same story. You review the work before it leaves.
See the lender package →A process you control
You approve lenders by name. We coordinate outreach, questions and term comparisons so you can keep running the business.
Follow the process →