FAQ

It might be—especially if you’re trying to grow, buy out a partner, invest in capacity, or take some liquidity off the table without giving up control. A lot of business owners assume debt is only for distressed companies or PE-backed rollups. But used wisely, debt can be a flexible, powerful tool for privately owned businesses. The key is structuring it to match your strategy, your cash flow, and your timeline. That’s where we come in.

Most business owners do exactly that—until they realize how much negotiation is possible, and how many options exist beyond their bank. We work with private lenders, credit funds, and specialty institutions that most companies don’t know how to access on their own. That means more capital, better terms, and fewer constraints. Our job is to help you make the market work for you—not just accept the first offer.

You’re paying for better outcomes. We don’t just find you a lender—we help you run a smarter process, access a broader capital market, and negotiate a structure that fits your business. That means better pricing, more flexibility, less downside risk, and fewer surprises. We call that “advisor alpha”—the real, measurable value a skilled advisor adds by turning a generic deal into a good one, and a good one into the right one.

It’s not just about getting the lowest interest rate. Good debt capital fits your business. It balances cost with flexibility. It gives you room to grow without boxing you in. It protects your downside but preserves your upside. We help you define what “good” means in your situation—then we go structure and negotiate for it. Because the best deal isn’t always the cheapest one. It’s the one that works hardest for you over time.

In many cases, yes. A lot depends on the strength of your business and how the deal is structured—but many non-bank lenders underwrite based on enterprise value and cash flow, not just hard assets or personal guarantees. We negotiate those protections upfront, so you’re not overexposed if the unexpected happens. You shouldn’t have to put everything you’ve built personally on the line just to grow your business.