Frequently asked questions
These answers help you plan with confidence. Every request is unique and final terms are set by the lender. Use this guide to understand what is possible and how to prepare a strong file.
Private capital fits businesses that can show a credible path to repayment. Clear use of funds, organized financials, and realistic projections matter. If there is a solid story, we outline a path and align you with lenders whose credit appetite matches your request.
- Business-purpose real estate: Purchase, refinance, renovation, or value-add on investment or owner-used property.
- Equipment financing or leasing: New, used, refinance, or sale-leaseback to unlock working capital.
- Revenue-based financing: Capital tied to revenues for growth, inventory, or marketing.
- Asset-based lending: Lines or terms secured by A/R, inventory, or equipment.
- Bridge: Short-term capital to act now with a clear refinance or sale exit.
Timelines vary by product, deal complexity, and third-party items. Packaging readiness is the biggest accelerator. We pre-qual early, set a document checklist, and coordinate with decision-makers to keep underwriting and closing on track.
Real estate and equipment often serve as collateral. Revenue-based options may not require fixed collateral. Personal guarantees are common in small and mid-sized facilities, though terms vary by lender and structure. We set expectations up front and explore the least burdensome path.
Pricing reflects risk, leverage, and market conditions. Third-party costs can include appraisals, reports, filings, and legal. We prioritize transparent lenders so you can plan with clear expectations and total cost visibility before proceeding.
It depends on the asset and product. Real estate leverage is guided by LTV and DSCR. Equipment may allow minimal cash in with strong credit. Revenue-based facilities focus on cash flow coverage. We size requests to match realistic leverage and repayment.
Acquisition, refinance, renovation, equipment, inventory, marketing, hiring, and working capital tied to business needs. We match use of funds with the option that best supports repayment and growth.
Expect business financials, tax returns, personal financial statement, entity docs, capitalization details, and a clear use of funds. Real estate and equipment may require third-party reports. We organize these into a concise, lender-ready package.
We support clients across the U.S. where allowed by law. Industries include manufacturing, distribution, healthcare, professional services, trades, logistics, technology, hospitality, and more. If the path to repayment is credible, we help frame it for underwriting.
Some facilities include prepayment fees or step-down schedules. We explain these in plain language and align terms with your timeline, exit, or refinance strategy.
Yes, subject to lender guidelines and payoff impact. We review current terms, prepayment items, and coverage metrics, then outline refinance paths that improve structure or cash flow.
Yes. Many clients pair a short-term bridge with a longer-term refinance, or combine equipment financing with working capital. We design a practical sequence that supports execution and repayment.
Information above is general and may not apply to every situation. Final terms, eligibility, and timing are determined by the lender. We help you set realistic expectations and present the strongest possible file.