Access capital in 1-2 days with flexible repayment schedules strictly tied to sales.
Access structured growth capital designed to complement your existing senior banking facilities without disrupting current lending relationships. Our subordinated debt solutions provide the cash injection needed for expansion, acquisitions, or large-scale projects based on your overall cash flow.
Submit your company’s financial statements, existing debt schedule, and bank statements. We analyze your total operational cash flow and overall business borrowing capacity to determine your how much subordinated or “junior” capital you qualify for, behind senior lenders.
We issue a funding proposal that outlines the deal terms, including our willingness to subordinate to your senior creditor (bank or other institution). This detailed legal structure makes sure you do not violate any existing loan agreements.
Once the intercreditor or subordination agreements are finalized, the growth capital is wired directly to your corporate account to fund major initiatives or bridge capital gaps. Payments are made according to the agreed schedule, giving you the financial runway needed to execute long-term strategic plans, while protecting senior collateral.
With access to 60+ lenders, we guarantee you multiple paths to close, provided you qualify.
Since September, 2023, we’ve deployed $114M+ to clients across an array of industries.
Subordinated debt is a type of junior business financing that ranks below senior debt (like primary bank loans) in priority of repayment. In the event of a business liquidation or bankruptcy, senior lenders are paid first, making subordinated debt a flexible layer of capital that sits between senior bank debt and equity.
To qualify, your business must typically demonstrate steady, predictable cash flow, and have a senior lending relationship in place. Because this debt carries higher risk due to its secondary position, underwriters focus heavily on your historical business performance and capacity to service multiple debt obligations.
It allows you to raise significant capital without diluting your company ownership or giving up voting control to equity investors. Additionally, because it sits behind your senior lender, it expands your total borrowing capacity when traditional banks are maxed out on their conservative lending limits.