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Sourcing Debt Providers for Companies Across North America
Leveraging a network of over 400 lenders across North America, we specialize in sourcing tailored debt solutions that align with our clients' unique financial needs.

Our approach goes beyond conventional financing—whether securing flexible terms, structuring innovative capital solutions, or navigating complex underwriting scenarios, we identify the most strategic options available.

By fostering strong relationships with a diverse range of lending institutions, from traditional banks to private credit providers, our clients gain access to competitive financing opportunities that enhance their borrowing position.
Our Capital Network

Private Credit Funds

Our network consists of global institutional private credit funds, SBIC's, BDC's and Venture Debt providers
Family Offices

Mission-driven family offices create unique capital options for our clients with specific debt needs.
Banks

National, Regional and Local banking relationships create credit, treasury and a variety of other financing tools for our clients.
Our Approach

Our approach to sourcing lending options is highly strategic and refined, avoiding the inefficiencies of broad, unfocused outreach. We run a targeted process that leverages our proprietary methodology and technology to identify the most relevant lending partners for each client's unique needs.

By combining deep market insights with a structured engagement strategy, we streamline the financing search, ensuring optimal outcomes with competitive terms and tailored solutions. This precision-driven model enhances borrower positioning, reduces friction, and maximizes the success of each financing arrangement.
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
Learn More about Venture Debt
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
Learn More about the Lower Middle Market
Startup Lending Solutions
Powered by FLEx
5th Line's FLEx platform streamlines the process of identifying qualified lending solutions for startup companies seeking $500K - $2MM in Debt Capital.
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.

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

Other Services & Solutions

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