One intake, three programs, honest routing. SBA 7(a) if you qualify and want the lowest rates. Flex when speed, structure, or citizenship 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 with no personal guaranty. 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 (the seller's citizenship, a tight exclusivity window, the size of the ask) rules a program out.
We match the program to the deal, not the deal to the program we happen to sell.
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 foreign buyers, holdcos, 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.
For transactions that need more than one facility and more than one lender.Explore Capital Access↗
A rough first pass. The real match comes out of intake, but this is how we'd route the file on paper.
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, 96% 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 inside one business day: program fit, indicative rate, indicative leverage, 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.
Honest answers. If yours isn't here, a senior advisor will pick up within a day of your prequal.
We earn a placement fee at close, paid out of loan proceeds. Our economics are materially the same whether the file lands in SBA, Flex, or Capital Access. That design is deliberate. It keeps the routing honest. We want the deal that actually closes, not the deal that pays a few basis points more.
Not in any way that would sway a recommendation. Flex and Capital Access carry slightly higher placement economics than SBA because the lenders pay more, but the difference is small enough that pushing a buyer into a wrong-fit program to capture it would cost us the deal and the referral. We run on repeat business.
You pay nothing. We charge no retainer and no diligence fee. If none of the three programs can underwrite the transaction, we tell you at intake or as soon as a credit concern surfaces, and we point you to the handful of specialty lenders we trust outside our network. About 4% of files we accept do not make it to a term sheet.
The floor is roughly $750K of senior debt, which usually means a target with $375K+ of TTM EBITDA. Below that, institutional appetite thins out quickly and SBA becomes the only real option, often through a local bank that a direct introduction serves better than our placement process.
SBA 7(a) is the cheapest: Prime + 2.75-3.00%, roughly 11-11.25% all-in today. Flex runs SOFR + 450-800 bps, which prices to 9.5-13% depending on structure. Capital Access senior is similar to Flex; the mezzanine and preferred tranches run higher, typically 11-15%. Blended cost of capital on a full Capital Access stack is usually 10-12%.
Flex closes in around 100 days on most structures. SBA runs slightly longer at 100+ days from LoI, driven by SBA’s own approval queue, environmental review, and appraisal work. Capital Access typically runs 90 to 120+ days depending on diligence complexity, intercreditor structure, and lender credit committee schedules.
Yes, and we recommend it. We have preferred providers we can introduce for buyers who don’t already have counsel, but we don’t require it. What we do require is that your team can move on the lender’s timeline. If your attorney returns redlines in three weeks, no program can save the close.
Often, yes. The three most common refi paths are Flex-to-SBA once the borrower has 24 months of operating history and the facility is under the $5M cap; SBA-to-Flex when a borrower is hitting growth-capital limits the SBA lender won’t extend; and Flex-to-Capital-Access when a platform is ready to scale beyond its original senior facility.
Financing is one of three things we do. The other two sit before the capital stack, and often save more than they cost.
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. $750K to $10M of institutional and private credit for foreign buyers, holdcos, and speed-critical closes.
Explore Flex ↗One intake, a 24-hour written read, and a committed program inside 72 hours. If none of the three fit, we'll tell you at intake and point you to the specialty desk that does.
