One intake, three programs, honest routing. SBA 7(a) if you qualify and want the lowest rates. Flex when speed or structure disqualify SBA. Capital Access for institutional scale.
Most debt shops sell the one product they can sell. We built three because deals don't all fit one box.
A buyer who walks into a 7(a) lender gets 7(a), even when Flex would close the deal in half the time and accept structures SBA rejects. A buyer who walks into a private credit fund gets private credit, even when the target would qualify for government-backed senior debt at two hundred basis points less. The product in the room is the product you leave with. That is how the lending industry is structured, and it is how most acquisitions end up overpaying, underleveraged, or closed a month too late.
We built Financing as one service on top of three desks so the intake question isn't “what do you sell?” but “what does the deal need?” A single file gets read in parallel by SBA, Flex, and Capital Access underwriters. We commit to a primary program within 72 hours, run a backup where it helps, and tell you at intake when something in the deal (a tight exclusivity window, the size of the ask, a holdco structure) rules a program out.
Highest leverage, lowest rate for US buyers
Government-backed senior debt, 90% leverage, the cheapest money in the market for US buyers willing to sign a personal guaranty.
If you qualify for SBA and speed isn’t the constraint, this is the program.Explore SBA 7(a)↗
Speed and flexibility without SBA constraints
Institutional and private credit for green card holder buyers, holdcos, roll-ups, speed-critical closes, and borrowers already at the 7(a) cap.
Built for the deals that can’t fit inside a 7(a) box.Explore Flex↗
Institutional capital for serious transactions
The full institutional stack: senior, mezzanine, preferred, and rollover equity, assembled across a single closing. Business-agnostic — ecommerce, SaaS, and traditional operating businesses.
For transactions that need more than one facility and more than one lender.Explore Capital Access↗
Six things we do that most debt shops don't, and that most borrowers don't know to ask for.
Our compensation is the same across SBA, Flex, and Capital Access. We have no incentive to steer you into the more expensive product, and a strong incentive to route you to the one that actually closes.
Active desks at community and regional SBA banks, institutional term lenders, private credit funds, unitranche shops, and mezzanine providers. When one credit committee says no, another runs the file on the same underwriting package.
On files we take to credit, 98% get to a term sheet. The rate is not because we close everything. It is because we tell borrowers no at intake when the deal cannot be financed, instead of billing them through diligence.
Every intake gets a written response: program fit, indicative structure, and the two or three diligence items that will decide the deal. No ghosted inboxes.
We write the capital stack to the transaction, not from a template. Seller notes, rollover equity, earn-outs, delayed draws, and working capital lines all get sized to the target’s cash flow, not the lender’s default product.
A Flex close today is often a 7(a) refinance in 24 months. We plan the exit at origination: which rate steps down, which covenants fall away, and what the borrower needs to demonstrate to qualify.
Equity requirements typically range from 10% to 40%, depending on the financing program and the specifics of the transaction.
Timelines vary by program, but transactions can close in as little as 45 days.
In most cases, yes. However, buyers are required to contribute some level of personal equity in all transactions.
In most cases, yes, a personal guarantee is required as part of the financing structure.
Most lenders prefer a credit score of 660 or higher, though approval depends on the overall borrower profile, including liquidity, experience, and the strength of the business.
Common factors include insufficient cash flow on tax returns, foreign-based operations, declining year-over-year revenue, and high customer concentration.
Thesis, valuation, negotiation, LoI. We sit on the buy-side through diligence and close, the quiet work that turns a decent target into a financeable deal.
Explore advisory ↗Proprietary sourcing for ecommerce, SaaS, and digital-services buyers. We originate targets that never hit a broker's book and underwrite them to the financing before the LoI.
Explore search ↗The most placed of our three programs. $1M to $5M of institutional and private credit for green card holders, holdcos, roll-ups, and speed-critical closes.
Explore Flex ↗One intake, a written read, and a committed program recommendation. If none of the three fit, we'll tell you at intake and point you to the specialty desk that does.
