Capital & Debt Advisory
Capital & debt advisory for business owners
Most owners get one shot at the right capital structure — and most get it wrong. We help you decide whether the business should raise debt, refinance, take on minority equity, or simply tighten operations — and then we help you actually run the process.
What we focus on
Lender-ready package
Financials, forecast, add-backs, and the management narrative that gets the term sheet you want, not just the one you can get.
DSCR & covenant discipline
Know your debt service coverage, fixed-charge coverage, and covenant headroom before the bank does.
Working capital lines
Right-size revolvers, A/R lines, and inventory facilities so growth doesn't strangle cash.
Acquisition & growth capital
SBA 7(a), conventional bank debt, seller notes, private credit, and minority equity — chosen for the situation, not the salesperson.
Best for owners who...
- Need working capital but want clean terms
- Considering an acquisition or growth investment
- Bank declined or offered worse terms than expected
- Approached by private credit or minority equity and unsure how to evaluate
What you get
- →Capital options analysis with honest tradeoffs
- →Lender / investor package and process management
- →DSCR, leverage, and covenant modeling
- →Negotiation support through term sheet and closing