Commercial Lending Programs
Structured financing solutions for established businesses with complex capital needs.
Commercial Lending Programs
Franchise Financing
Specialized programs for franchisees of approved brands. Master franchisee and Multi-unit structures available.
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Multi-unit expansion financing
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Equipment and build-out capital
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SBA and conventional franchise loans
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Streamlined approval for pre-approved brands
Accounts Receivable & Inventory Financing
Leverage your outstanding invoices and inventory to access working capital. Also known as asset-based lending or factoring.
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Perfect for manufacturers, distributors, wholesalers
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Quick funding as invoices are generated
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Raise rates to 85% on A/R, 50-60% on inventory
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Revolving credit lines based on eligible collateral
Recapitalization and Refinancing
Extract equity, restructure existing debt, or reposition balance sheet for growth.
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Cash-out for distributions or working capital
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Improve financial covenants and flexibility
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Extend terms and lower rates
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Consolidate various debts into single facility
Syndicated & Large Ticket Solutions
Perfect for transactions over $5M, we structure deals with various lenders to meet your capital needs.
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Subordinated, senior, and mezzanine tranches
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$5M-$50M+ financing
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Relationship banking for portfolio growth
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Private equity and institutional capital access
Mergers and Acquisitions (M&A)
Finance business acquisitions with tailored structures. Combine seller financing, debt, and equity for optimal leverage.
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Flexible structure (Conventional, Mezzanine, SBA)
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Platform and add-on acquisition financing
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Up to 80% LTV on acquisition value
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Due diligence and valuation support
Asset-Backed Lending (ABL)
Secure financing using business assets as collateral. Includes real estate, inventory, equipment, and intellectual property.
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Lower rates than unsecured alternatives
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Suitable for growth or turnaround scenarios
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Loan amounts based on asset valuations
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Credit flexibility with strong collateral
Common Scenarios
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Large customer orders that require upfront capital
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Complex balance sheet restructuring
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Growth exceeding internal cash flow
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Trade finance needs or international expansion
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Strategic acquisitions to acquire market share
Business Profiles
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Government contractors
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Mid-market enterprises
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Manufacturers & distributors
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Roll-up strategies and consolidators
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Private equity portfolio companies
Who We Benefit
Qualification Requirements
Minimum Criteria
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2+ years operating history
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Strong management team and financial control
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Reviewed or audited financials for larger deals
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Positive EBITDA or clear path to profitability
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Typically $2M+ in annual revenue
Documentation Needed
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Legal entity structure and ownership
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Financial statements (balance sheet, P&L, cash flow)
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Detailed business plan and use of funds
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2-3 years tax returns (personal and business)
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Management resumes and org chart
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A/R aging and customer concentration analysis
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Asset schedules and valuations (for ABL)
Navigation
Programs
We help entrepreneurs unlock the growth their business deserves with our flexible funding.