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Experts in Sourcing Creative Debt Solutions
Specialists in raising debt capital for our clients, spanning growth-stage ventures to lower middle-market enterprises across industries—from technology to CPG to manufacturing and beyond.

Our expertise lies in structuring tailored financing solutions that align with our client's strategic objectives, ensuring optimal capital access and competitive terms.

We are more than advisors—we are partners, dedicated to navigating the complexities of the debt markets with transparency & integrity. Our reputation is built on trust, execution, and the lasting relationships, consistently delivering results driving sustained growth and financial stability.
Diverse Market Expertise

We serve clients ranging from growing startup profiles through multi-generation lower middle market enterprises; all in search of creative debt capital solutions to meet their unique needs.

Our clients lean on our team of experts from diverse backgrounds of banking, startups and analyst roles to guide them through the complex process of identifying the right capital partner through underwriting the deal to final negotiations to optimize deal terms for parties.
Venture Debt & Growth Lending
Debt solutions for pre-profitable companies seeking an alternative to equity financing.
We source venture debt and growth-lending options for clients that fall largely outside of the traditional banking underwriting criteria with a story to their credit profile that needs to be told.

Our clients often are:
  • Cash-Burning or Otherwise Pre-Profitable
  • Asset-Light
  • Greater than $5MM in Revenue
Lower Middle Market
Creative debt solutions for companies seeking non-bank capital options for their company.
Our expertise is in identifying the right capital options for lower middle market companies that are not a fit for their traditional lending sources, whether bank or specialty lending. Our process identifies the right lending partner to bring into the company.

Common Situations Are:
  • In need of refinancing an existing lender
  • Need a creative, non-bank debt solution
  • Have a storied or challenged credit history
Engagements
We serve clients in need-specific advisory through full managed process engagements, tailored to the specific needs, resources and goals of each of our clients.

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Experience Across Debt Structures

Strengthen your balance sheet to extend runway to break even or the next equity round, fuel sales, and grow overall business development.
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Replacing an existing higher-rate lender or older bank facility with friendlier terms and greater capital availability.
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Capital utilized for the acquisition and ongoing operations of another business or businesses' assets that won't dilute like equity.
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Freeing up capital tied up in accounts receivables, inventory, or funding tied to contract fulfillment.
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Financing for capital expenditures including machinery, FF&E, computer & other technology-related hardware.
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Short-term bridge to your next inflection point, whether an acquisition or contract execution
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Other Services & Solutions

  • Expert guidance in compliance, employee benefits, strategic HR, and business partner services.
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  • Sourcing credit solutions for early-stage, post-revenue companies looking to avoid an equity round.
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  • Advising the nation's leading private credit firms on improving underwriting process & terms structuring to optimize dealflow.
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  • 5th Line's proprietary risk analysis to identify key areas of improvement across a company's financial operations & strategy.
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  • Supporting companies & their M&A advisors through raising credit ahead of an exit and improving a company's financial preparedness.
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  • Tailored solutions for banks and their clients to explore refinancing options and streamline financial operations to retain deposits.
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