A senior banker on every deal, from the first call to the close.
The lender package in 1 day once the documents are in. At least 7 days by hand.
Nothing goes to a lender without your approval, and no lender learns your name until you approve it.
The product follows the plan
Strategic Debt Advisory
Structure → Package → Lender process
We advise and arrange. The lender makes the credit decision.
Explore the financing decision
Acquisition debt for companies with $10M to $100M+ in revenue: senior, unitranche and seller notes, with lenders competing for the deal.
Refinance or recapitalize a company with $10M to $100M+ in revenue: payoff costs, dividend recaps and private credit, with lenders competing.
Revolvers and asset-based lending for companies with $10M to $100M+ in revenue: borrowing base, reserves and reporting, with lenders competing.
Structure debt for companies with $10M to $100M+ in revenue: senior, unitranche, revolvers and junior capital, compared on cash flow and covenants.
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: Refinance existing debt.
Refinance existing debt
The first question: Does the new facility improve the business after payoff costs, fees and the full repayment term?
For a defined payoff supported by sustainable earnings, from a bank or a private-credit lender.
Where one lender holding the whole loan is simpler than a senior and junior pair.
Where eligible assets can support a more suitable working-capital facility.
A lower payment can come with a longer term and more total interest. We compare payment relief and total cost separately.
Core documents, where available
For this goal
A senior banker walks through the options with you and tells you what the package will need.
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.
Sometimes one facility does the job. Sometimes it takes a senior term loan, a revolver and a junior layer working together. We evaluate the whole structure before approaching lenders.
A defined investment, acquisition, refinancing or recapitalization.
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.
One facility where a bank's senior loan plus a junior layer would otherwise be needed.
What supports it
Recurring earnings, the equity behind the deal and a lender prepared to hold the whole loan.
What to examine
Price, call protection and any first-out/last-out split matter as much as the headline leverage.
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.
Capacity beyond what senior lenders will provide, without selling equity.
What supports it
Cash flow that covers the senior debt with room to spare, and the senior lender's consent.
What to examine
Higher cost, PIK interest, warrants and intercreditor terms. Every layer draws on the same cash flow.
The part of a purchase price the seller carries, or keeps as a stake.
What supports it
The seller's confidence in the business and the senior lender's subordination terms.
What to examine
Payment limits, standby terms and who owns what after closing are set in the same negotiation.
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
The lender package needs to explain how each use is funded and how the combined structure will be repaid.
Once the documents are in, software builds the financing model, the lender presentation and the blind teaser in a day; by hand the same package takes at least a week. A senior banker checks every page, so you are not paying for analyst hours.
See how the process works →One set of financials, a clear use of funds and a structure the business can support.
How we underwrite →The model, presentation and teaser show lenders the same story. You review the work before it leaves.
See the lender package →Lenders that fit see a blind teaser first, and you approve each one by name before it learns who you are. Your banker handles outreach, questions and the term comparison.
Follow the process →A confidential first conversation about a refinancing, an acquisition, growth capital or a sale.