Closed across the cap stack.

The challenge

Out-of-state sponsor with an 88-unit value-add asset. The asset's transitional cash flow disqualified it from agency debt. Two prior brokers had positioned it to debt-fund bridge lenders with rates that wouldn't pencil under the renovation timeline.

How we structured it

We re-underwrote the deal around stabilized NOI projections rather than trailing in-place. Identified a regional credit union with multifamily appetite that nobody else had introduced. Structured a 24-month bridge with a permanent takeout commitment from a separate life company priced off T+200 at stabilization — locked in at close so the sponsor's exit didn't depend on rate markets.

Outcome

Bridge funded inside 42 days from term sheet. Permanent takeout commitment locked. Sponsor's cost of capital came in 180 bps below the next-best option.

The challenge

Dentist buying out a retiring partner in a two-doctor practice. Two prior SBA advisors had submitted to lenders that ultimately declined — one over a debt-service-coverage technicality, the other because the seller note structure didn't qualify for SBA standby treatment.

How we structured it

Restructured the seller note to meet SBA standby requirements (full standby for the first 24 months, then amortizing). Identified the right SBA lender on the third call — one whose underwriting was friendlier to specialty medical practices and who'd seen this exact deal pattern before. Coordinated the partnership-interest valuation with the bank's third-party requirements.

Outcome

$2.8M SBA 7(a) approved and funded. Buyer closed on the partnership interest with 90% leverage and seller note that doesn't crush early-year cash flow. Six-month repeat client — back for equipment financing.

The challenge

B2B SaaS client at $3M ARR scaling sales and infrastructure ahead of an institutional Series A. Banks had declined on the ARR-to-burn ratio — they wanted profitability or a personal guarantee from the founder against a 6-month operating runway.

How we structured it

Structured a revenue-based capital facility against the ARR base — $1.6M up front with quarterly true-ups that scaled the available draw with new logo additions. No personal guarantee, no equity dilution, repayment as a fixed percentage of recognized monthly revenue.

Outcome

Funded in 21 days. Sales team scaled from 4 to 11 reps over the next two quarters. Series A closed at materially better terms because the bridge ran the business through the diligence period without distressed-equity pricing.

The challenge

Three-location restaurant group post-renovation, facing a payroll-week cash gap. Two banks declined — the renovation had compressed trailing revenue and the LOC application got caught on a 90-day-prior dip.

How we structured it

Split the need into a $400K term loan amortizing over 36 months (covering the renovation lag) and a $250K revolving LOC for ongoing seasonal flex. Sourced from two different lenders to avoid concentration risk on either side. Closed before the next payroll cycle.

Outcome

Funded in 11 days. Both lines paid down ahead of schedule once the renovation impact rolled off. Operator returned 14 months later for a fourth-location expansion package.