Acquisition financing from $10M to $250M.
A senior-led debt advisor for lower-middle market acquisitions. We structure and source senior, unitranche, mezzanine, and preferred equity financing through a disciplined, institutionally driven process, from capital strategy through closing.
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 larger transactions, where two or more layers of capital may be needed.
Senior, mezz, and preferred priced against each other rather than sequenced, so OID, warrants, call protection, and covenants all settle inside one negotiation.
targeted outreach across private debt funds, SBICs, 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 is provided before capital providers view 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 $2M+ of EBITDA/SDE
- 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
- Growth financing on profitable platforms
How we work.
- Senior-led
One advisor, every meeting
The partner who signs your engagement letter is on every capital provider 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
Multiple lender targets, 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.
- 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 wire
Capital provider outreach and introductions, loan and QoE coordination flows through us, from LOI to wire.
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?
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$10 million transaction value and a minimum of $2 million in EBITDA/SDE.
Do you provide the capital directly?
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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?
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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?
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Typical timelines range from 60-90 days from LOI to closing.
How much equity is required?
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Deals generally require 20%-40% buyer equity.
Do you work with first-time buyers?
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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?
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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 discuss your acquisition?
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 fit for your transaction.