Funded — Real Structures, Real Timelines

A regional manufacturer moved to acquire a competitor — three production facilities, $12M in combined revenue — and had to move before another buyer did. A bank would’ve spent months on it. The specialist desk structured an $8.2M stack against the combined revenue, not a single pledge: a term loan carried the business value, owner-occupied real estate financing took the three facilities at ~10% down (versus 25% at a bank), an equipment line covered the machinery, and working capital funded the integration. One application, one advisor, funded in 22 days.

A buyer moved on a SaaS company doing $3M in annual recurring revenue. Banks don’t know how to underwrite software — recurring contracts aren’t collateral they understand. The specialist desk read the ARR as what it is: predictable revenue. A $5M stack carried it — a term loan against the recurring revenue for the business value, a second term layer for integration, and working capital to hire the sales team that would scale it. Funded in 10 days, no software-collateral debate.

An operator moved to acquire a regional carrier — 28 trucks, two terminals, $9M in annual revenue. A revenue-based stack did what a single bank loan couldn’t: a term loan against the combined revenue carried the business value, equipment financing covered the 28-truck fleet, and working capital bridged the 60-day integration. Funded in 9 days at roughly 15% out of pocket, against the bank’s months.

A wholesale distributor outgrew its space and moved to buy a 25,000 sq ft warehouse instead of signing another lease. Owner-occupied real estate financing put it within reach at ~10% down — versus the 25% a bank wanted — and the monthly payment came in under the old lease. Funded in 28 days; the distributor builds equity now instead of paying rent.

A dedicated contract required 12 new Peterbilt 579s — APUs, telematics, the works — and a traditional lender wanted 30% down to make it happen. Equipment financing across two lender partners brought it to 10% down and put the trucks on the road in 7 days, before the contract start date.

A contractor needed to scale into commercial work — which meant a shop and yard, heavier equipment, and bonding capacity, all at once. Three pieces, one application: owner-occupied real estate financing for the shop and yard, an equipment line for excavators and loaders, and working capital for bonding and mobilization. The specialist desk lined up the right lender on each layer. Funded in 24 days.

A 3-unit seafood concept came up — and the seller was 30 days from signing with another buyer. There was no time for a bank’s process. The specialist desk structured a $2.4M acquisition stack against the group’s revenue and funded it before the competing offer could land.

A manufacturer coming off a strong profit year wanted $2M in heavy equipment — and the tax strategy to go with it. Equipment financing at 10% down put the machines in service before year-end, and the full Section 179 deduction landed in year one. Funded in 6 days.

A dentist moved on a multi-location group — four operatories, an established patient base — but the bank quoted a 75-day process, and the seller was 30 days from accepting a corporate offer. The specialist desk structured a revenue-based stack: a term loan against the practice revenue, equipment financing for the four operatories, and working capital for the transition. Funded in 8 days — and the corporate buyer lost.

A manufacturer needed to buy its 40,000 sq ft facility — and the seller wanted to be done inside 30 days. Owner-occupied real estate financing at ~10% down made the purchase work on the seller’s timeline. Funded in 28 days.

A retiring owner put a 3-location auto repair chain on the market with an established customer base across every bay. A revenue-based stack carried the buy: a term loan against the combined shop revenue, equipment financing on the lifts and diagnostic gear, and working capital for the 90-day transition. Funded in 8 days.

A manufacturer running split operations wanted everything under one roof — a 40,000 sq ft production facility to buy. Owner-occupied real estate financing made the purchase work at low down, consolidating operations and freeing capacity. Funded in 30 days.

A dentist with a strong existing practice moved to open a second clinic with an established patient base. A revenue-based stack carried it: a term loan against the existing practice’s revenue, equipment financing for the new operatory build-out, and working capital to staff the second location. Funded in 7 days.

A contractor scaling from residential into commercial work needed the iron to do it — excavators, skid steers, service trucks. Equipment financing funded the fleet in 6 days, no 30%-down barrier.

A Silicon Forest manufacturer needed precision CNC machining capability to chase aerospace contracts. Equipment financing put the machines on the floor in 5 days — fast enough to get into the bid pipeline.

A dairy operation modernized to cut labor costs and lift output — milking-parlor automation that pays for itself in efficiency. Equipment financing funded the upgrade in 6 days.

A staffing agency was covering payroll every week while its commercial clients paid on net-60. Factoring its outstanding receivables turned $280K of those unpaid invoices into immediate cash — funded in 3 days, with no interruption to a single placement.

A restaurant group needed to stock inventory and hire seasonal staff ahead of peak tourism season — the kind of timing where waiting two weeks means missing the window. Working capital funded the prep in 2 days, on a fixed payment, no cut of daily sales.