Acquisition financing from $10M to $250M.
A senior-led debt advisor for lower-middle-market acquisitions. We run marketed processes across senior, unitranche, mezzanine, and preferred equity, with a curated lender process per engagement and a fee model paid by you, never by lenders.
Senior advisor on every call · NDA before specifics shared
When Capital Access fits.
We engage where the capital structure is genuinely complex: multi-tranche stacks, sponsor-grade diligence, or a lender universe that needs widening to clear the deal.
Capital Access is built for transactions where two or more layers of capital need to clear together. Senior alongside mezzanine, unitranche under preferred, sponsor stacks with intercreditor terms that have to be negotiated as one structure.
Senior, mezz, and preferred priced against each other rather than sequenced, so OID, warrants, call protection, and covenants all settle inside one negotiation.
12–20 names per process across credit funds, BDCs, family offices, and direct lenders, selected by sector thesis, hold size, and current appetite.
QoE coordination, customer cohort and adjusted-EBITDA bridge, working-capital normalization, and a credit-committee ready memo land before lenders see the file.
Staggered release, managed Q&A, dated term-sheet deadline. The same operating cadence a PE capital-markets desk runs, without the in-house headcount.
- Platform acquisitions generating $3M+ of EBITDA
- Serial acquirers and roll-up sponsors assembling a thesis
- PE-backed add-ons that need a refreshed capital structure
- Commerce infrastructure, fintech, and vertical SaaS platforms
- Management buyouts and founder-led recapitalizations
- Dividend recaps and growth financings on profitable platforms
How we work.
- Senior-led
One advisor, every meeting
The partner who signs your engagement letter is on every lender call, every term sheet negotiation, and every diligence session. No hand-off to juniors once the engagement is live. You buy a senior, you get a senior.
- Buy-side fee
Paid by you, never by lenders
Success fee paid by the buyer. We do not accept selling commissions, finder fees, or trailers from lenders. That is the only structure under which an advisor can credibly walk away from a term sheet on your behalf.
- Marketed
12–20 names, real competition
Every engagement runs a curated lender process (sector thesis, hold size, appetite) with staggered release, managed Q&A, and a defined term sheet deadline. Bilaterals leave 50–150 bps and a covenant package on the table.
- Stack-level
We negotiate the cap table, not a loan
Senior, mezz, and preferred are negotiated as one optimized structure: intercreditor language, covenant packages, OID, warrants, and call protection priced against each other rather than sequentially.
- Embedded
Through close and first draw
QoE coordination, legal workstream, security filings, and funds flow run through us. We stay on the deal until the wire lands and the first draw funds, then hand off to ongoing coverage, not at term sheet, not at signing.
A recent engagement.
A PE-backed strategic acquiring a performance-marketing platform with $11.4M of adjusted EBITDA, cross-sold against a portfolio of DTC brands. Three-tranche stack, three different funds, one lead advisor.
“They ran a real process. We went from engagement letter to funded wire in seventy-eight days, with covenant flex the incumbent lender would not have offered on a bilateral.”
- Senior unitranche
- $45M
- Mezzanine
- $15M
- Preferred equity
- $12M
- Timeline
- 78 days
Direct lender · SOFR + 550 · 6yr · 1.75% OID · springing financial covenant
Insurance-backed fund · 12% cash + 2% PIK · 7yr · 1% warrant coverage
Growth equity desk · 11% accrued · non-participating · board observer
Engagement letter to funded wire · 22 NDAs out · 9 term sheets received · 3 to final round
Questions, answered.
What is the minimum deal size?
+
$10 million transaction value and a minimum of $2 million in EBITDA/SDE.
Do you provide the capital directly?
+
No. We source and structure financing through our network of institutional capital partners and manage the process through closing.
What is the typical capital structure?
+
Most transactions are structured with 60% to 80% debt financing and 20% to 40% buyer equity. Earnouts, seller equity rollovers, and seller notes are also commonly used to bridge valuation gaps and align incentives between buyers and sellers.
How long does the process take?
+
Typical timelines range from 60-90 days from LOI to closing.
How much equity is required?
+
Deals generally require 20%-40% buyer equity.
Do you work with first-time buyers?
+
This program generally requires demonstrated acquisition or operating experience. First-time buyers pursuing smaller transactions should consider our SBA Program.
Is the process the same as SBA, Flex, or any other conventional program?
+
No. It's a vastly different process. Much less paperwork but far more buyer scrutiny. A QoE is also required, along with a buyer's pitch deck.
Ready to fund a big deal?
Thirty minutes with a senior advisor. We will pressure-test your thesis, sketch a preliminary stack, and tell you plainly whether Capital Access is the right venue for your transaction.