Institutional and private credit up to $10M. Built for buyers who don't fit inside SBA: green card holders, roll-ups and holdcos, complex structures, and speed-critical closes where every day of exclusivity matters.
Every week, we turn away buyers who would have closed great acquisitions if SBA rules had cooperated.
One buyer was a lawful permanent resident, no longer eligible post-March 2026. Another target was a US-domiciled Amazon aggregator with three operating subsidiaries. A third borrower was a holdco on its fourth roll-up, past the 7(a) aggregate cap. A fourth had an LOI expiring in 30 days, with a strategic circling.
None of those deals fit the 7(a) box. All of them needed to close.
FLEX is the product we built for transactions like these. Faster than SBA. More flexible than SBA. We submit the loan with institutional term lenders and private credit funds that underwrite the target's cash flow, accept green card holders, move inside exclusivity windows, and price for structural flexibility.
The result: a lender-driven close with terms shaped around the deal. For the right transaction, that flexibility is the deal.
FLEX is built for lawful permanent resident buyers. For complex structures with earn-outs, seller rollovers, and management buy-ins. For speed-critical closes. For holdcos and roll-ups stacking US-domiciled targets.
We assess buyer fit and financing eligibility.
Complete a short assessment form and speak with a senior advisor about your acquisition goals, background, liquidity, and target criteria.
We help buyers evaluate acquisition opportunities.
As opportunities are identified, we assess financeability, discuss viable deal structures, and help refine competitive offers before LOI submission.
We prepare and manage the financing process.
Following LOI acceptance, we structure the loan request, coordinate diligence materials, and manage lender communication through underwriting.
Diligence, docs, and disbursement.
Our closing team coordinates lender requirements, legal documentation, and funding from approval through close.
If you're a US buyer, the target is US-based, the deal sits inside the SBA 7(a) program range, and you're willing to sign a personal guaranty for senior-debt cost, SBA wins on loan amortization terms. Plan for a multi-month close window.
Explore SBA 7(a)↗Above $10M, or when you need layered senior + mezz + preferred equity across a single closing, Capital Access assembles the full institutional stack with our sponsor-grade lender relationships.
Explore Capital Access↗Anonymized. Representative of Q1 2026 book.
A US holdco came to us with a signed LoI on a US-based Amazon aggregator: three DTC brands, $2.1M TTM EBITDA, $6.4M ask. The borrower had already hit the SBA 7(a) aggregate cap on prior acquisitions, and the LoI gave them 34 days of exclusivity with a strategic re-engaging the seller in parallel. We placed $4.8M of senior cash-flow debt with a specialty private credit fund plus an $800K seller note behind it. PG from the principal, SOFR + 625 bps, five-year bullet. Wires went out on day 98.
No. The FLEX Program is a private acquisition financing solution designed to deliver SBA-like leverage with fewer structural constraints and a more predictable path to closing.
Yes. The program requires both collateral and a personal guarantee.
A minimum 10% buyer equity injection is required.
No. The buyer is required to inject 10% of the project costs into the deal.
Yes. Most earn-out structures are permitted, depending on the transaction.
The program is broadly industry-agnostic, with exclusions for franchises and certain restricted industries.
Minimum loan size is $750K.
5 to 7 year terms. If real estate is involved, 25 year terms are available.
Transactions can close in as little as 45 days, predicated on the expeditiousness of all parties involved.
The buyer should have direct or very strong indirect experience and strong personal liquidity to qualify.
Submit the file and we'll return a written FLEX read: pricing, leverage, and fit. If FLEX isn't right, we'll say so and point you to the program that is.
