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.
Subordinated Debt helps businesses raise additional growth capital with a senior lending partner already in place. Instead of trying to refinance your existing relationship, we can provide you with capital to cover collateral shortfalls. Given it’s truly subordinated by way of a signed agreement among creditors, this maximizes the amount of capital available to companies.
Subordinated Debt provides flexible growth capital while allowing business owners to retain more equity than they might with outside investors. It can complement existing bank financing, bridge capital gaps, and support larger transactions than senior debt alone can finance. Many subordinated debt facilities also offer flexible repayment structures that help preserve cash flow during periods of growth.
Adding a second (or even third) lender requires more than simply stacking debt. Capital Desk specializes in structuring multi-creditor financing transactions that bring together senior lenders and subordinated debt providers under clearly defined intercreditor agreements. We understand how to protect collateral positions, establish creditor priorities, and structure transactions that work for all parties involved. Our expertise helps businesses access additional capital while preserving valuable banking relationships and maintaining a healthy long-term capital structure.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ 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.