Structured Capital Advisory
For acquisitions, receivables and inventory financing, layered debt and portfolio deals, anywhere the structure matters as much as the amount. We normalize the financials, size what the business can actually carry, and build the sources and uses before you're in front of a lender.
Where structure matters as much as the amount
A few of the situations that bring clients to this part of the practice.
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Receivables and inventory tied up
A distributor with real revenue, but most of it sitting in unpaid invoices and stock instead of the bank.
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Buying a business
An acquisition buyer weighing senior debt, seller financing and their own equity, and how much of each the deal can actually support.
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Equipment-heavy expansion
A business whose growth plan needs capital for equipment, not just working capital stretched to cover it.
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Multi-location refinancing
An operator with several locations assessing whether to refinance existing debt, fund the next location, or both.
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Property portfolio financing
An owner who needs purchase, rehab or portfolio capital coordinated across more than one property at once.
What the engagement produces
Before a structured deal goes to a lender, you have this in hand.
A written capital-needs assessment
What you're raising, and why that number.
A document checklist and readiness review
What a lender will ask for, gathered before they ask.
Cash-flow and repayment analysis
What the business can actually carry, not just what it wants.
Financing scenarios with assumptions
More than one structure, compared on the same terms.
A transaction summary or credit memorandum
The document that tells your story to a lender clearly.
A lender-fit assessment and term comparison
Which lenders fit, and what each is actually offering.
An execution checklist
Who does what, and by when, through closing.
What's covered
Acquisition financing, invoice factoring and A/R lines, purchase-order and trade finance, contract financing, inventory financing, franchise and practice financing, and foreign national and foreign investor real estate financing.
A controlled path for larger structures
Syndicated facilities, club transactions and fund finance require their own readiness check and aren't a standard application. If a deal is at that scale, say so on the call and we'll route it through a private review.