Most deals fail on the capital stack — not on the business. We help buyers, entrepreneurs, and owners uncover the best capital structure across 50+ active relationships. SBA. Conventional. Mezzanine. Seller notes. Equity. Search fund capital. The right combination, sequenced correctly.
A typical $5M acquisition rarely uses one source. It uses four — layered by cost, dilution, and covenant risk. Here's how a well-structured stack looks.
Senior debt has the lowest coupon but the strictest covenants. SBA 7(a) is the workhorse of small-business acquisition.
Seller notes and mezz are where deals get made — or broken. The right balance keeps buyer cash conservative without over-diluting.
Equity brings skin in the game — but every dollar of equity is a dollar of future upside given up. Minimize thoughtfully.
Not a rolodex. Active relationships — banks and funds we've placed capital with in the last 24 months. Matched to your deal profile, credit story, industry, and timing.
National & regional. Both 7(a) and 504.
Cash-flow lenders for stronger credit profiles.
Non-bank flexible capital, $500K–$10M tickets.
Minority equity and search-fund investors.
We compress what typically takes an owner or acquirer months of cold outreach into a matched, sequenced process.
Structure the story — credit, cash flow, industry — the way lenders want to see it.
Introduce to 3–5 lenders in our network most likely to fund your profile.
Term sheets in parallel. We negotiate rate, fees, covenants, and personal guaranty scope.
Manage diligence, closing checklist, and funding — into keys.
