Investor money and loans for owner-run companies that are growing, buying a competitor, refinancing, or letting a partner cash out.
Every dollar of outside capital comes with conditions. A bank loan brings covenants and a repayment schedule; an equity investor brings a seat at the table and a plan to sell someday. Choosing well means understanding both the price and the strings before you sign.
We start with the job the money needs to do. Expanding a plant, buying a competitor, buying out a partner, and refinancing an expensive loan each point to different sources of capital, and which one makes sense hinges on how dependable your earnings are and how much say you want to keep.
Next we make the company’s argument on paper, take it to the lenders and investors who actually do deals like yours, and get several of them competing at once. You get the offers in one place and our honest view of which one fits.
We work with profitable private companies across the middle of the country, from family businesses taking their first outside investment to sponsor-owned companies resetting their whole balance sheet.
Profitable private companies and the owners behind them.
A new location, product line, or market is ready to go, and the plan just needs funding behind it.
One owner wants to retire or step back, and the company needs a way to buy them out fairly.
You have found a company worth buying and need funding lined up before you make an offer.
Every source of money carries its own price and its own rules. We help you choose, then go out and secure it.
An investor buys a minority stake and the money goes into the business. You keep control, and we negotiate the investor’s rights, board role, and exit expectations as carefully as the valuation.
Suited to: expanding companies that want backing without handing over the keys.
A private equity firm takes control, while you usually roll part of your stake forward and stay in a leadership seat. We compare investors on price, plans for the company, and how they work with owners.
Suited to: proprietors willing to give up control in return for a bigger check and a well-funded partner.
Term loans and lines of credit from regional and national banks, at the lowest available cost. Running several banks at once keeps rates, fees, and covenants honest.
Suited to: steady, profitable companies with predictable cash flow.
Loans from private lenders that can stretch further and close faster than a bank, at a higher price. We show you the all-in cost so you can decide whether the flexibility is worth it.
Suited to: borrowers who need a bigger or faster loan than their bank allows.
Money promised in writing before you bid, so sellers take you seriously and the closing date holds. Loan papers and any investor commitments move in lockstep with the purchase contract.
Suited to: buyers with a target in sight or a plan to make several acquisitions.
Replacing debt that has become too expensive, too tight, or too close to coming due. We shop the loan around and bring back terms that ease the pressure.
Suited to: companies whose loans no longer match where the business is headed.
A typical raise wraps up in three to six months. These are the steps, and your part in each.
We nail down the purpose of the raise, the amount, and the blend of loans and investor money your earnings can support without giving away more say than you want.
From you: your plans, recent financials, and an honest view of what you are willing to give up.
We assemble the projections and the pitch book lenders or investors will study, with the tough questions already answered inside it.
From you: time with your team and access to the numbers.
A short list of well-matched lenders and investors hears from us. We book the meetings, field the follow-up questions, and hold every party to one calendar.
From you: a few pitch meetings and site tours, rehearsed with us first.
Proposals go into one grid showing cost, conditions, and control, and the front-runners are asked for better terms before you pick.
From you: decisions on what you value most: lowest cost, most flexibility, or most control.
Final diligence, loan or investment documents, and closing. We keep your lawyer and accountant in step so the money arrives when you need it.
From you: quick replies to the lender’s or investor’s checks, and your approval of the last draft.
Commitments we make to every company raising capital.
We tell you which kind of capital we would choose in your shoes, and why.
Lenders and investors competing for your business, not just one.
All proposals in a single grid: price, conditions, and control.
We stay on until the money is in your account.
Debt usually costs less and you keep all of your ownership, but it has to be repaid on schedule. Equity has no payments, but you give up a share of the company and take on a partner. We put both side by side in real dollars so the trade-off is obvious.
Lenders mostly look at your earnings and cash flow, the stability of your customers, and any assets that can secure the loan. We work out a realistic range before approaching anyone, so the market holds no surprises.
Minority investors usually want board representation and a say on major decisions, not day-to-day control. Majority investors take control but usually back the existing team. We negotiate those rights carefully and make sure you understand them.
Non-bank lenders will often go higher, close quicker, and say yes to arrangements a bank would turn down. That flexibility costs extra, so it makes sense only when it lets you do something worthwhile. We show the full cost so you can judge.
A bank loan is often wrapped up inside a quarter; investor money and private loans tend to need four to six months. Most delays come from missing information, which is why we prepare thoroughly before going out.
Several years of financial statements, a forecast you can defend, details on customers and key staff, and a clear explanation of how the money will be used. We help pull this together and fill any gaps first.
Usually yes, and we often invite them to compete. A bank that knows you may match or beat a new offer once it sees real alternatives.
A modest fee during preparation, and a percentage of the amount raised, paid when the money arrives. The terms are set in writing before we start.
Drop us a short email on the company and the decision you are mulling over. You will hear back from a senior banker, not an assistant, and the conversation stays between us.