Experts in Raising
Venture Debt

We are experts in raising Non-Dilutive capital for growth-stage companies looking to avoid equity dilution.

We streamline the debt raising process by leveraging our relationships with over 75 banks & credit funds to secure optimal credit terms for our clients. Our expertise is in taking credit profiles of all types and structuring them for the right lenders to provide attractive terms.

The end result is our clients secure funding and are able to continue driving toward their next phase of growth.

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$3MM +

Starting Capital Ask

$5MM

Minimum Revenue

34

Industries & Sectors Served

Over 250

Transactions Advised

5th Line, under the leadership of James Turner, has developed an extensive portfolio of “Potential Investors “ to meet the needs of most borrowers. By having 5^th Line prequalify investors, based on their intensive deep dive into our operations to ensure there was a strategic alignment between all parties, my job was significantly simplified allowing me to focus more on deal structure. Time is Money, my time was spent where I add the most value, and 5^th Line made that happen!

Patrick Brooker

BrightOrder

Areas of Expertise

Growth Capital

Strengthen your balance sheet to extend runway to break even or the next equity round, fuel sales, and grow overall business development.

Refinancings

Replacing an existing higher-rate lender or older bank facility with friendlier terms and greater capital availability.

Acquisition Financing

Capital utilized for the acquisition and ongoing operations of another business or businesses' assets that won't dilute like equity.

Working Capital

Freeing up capital tied up in accounts receivables, inventory, or funding tied to contract fulfillment.

CapEx Financing

Financing for capital expenditures including machinery, FF&E, computer & other technology-related hardware, 100% financed, Soft costs included

Bridge Financing

Short-term bridge to your next inflection point, whether an acquisition or contract execution

Industries We Serve

Technology

Professional Services

Hardware

Consumer Goods

Manufacturing

Life Sciences &
Medical Devices

Meet Some of Our Clients

Lower.com

Founder in 2018, Lower.com uses artificial intelligence technology to provide services such as financing for home purchase, customer service, and home refinancing along with cash-out loans, consumer lending, student loans, and VA, FHA, & USDA loans.

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Episode Six

Developer of a cloud-based financial platform designed to displace existing limiting services in the payment management system infrastructure.

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Coinme

Operator of a bitcoin automated teller machine network intended to help gain access to virtual currency.

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See Our Clients

How We Do It

1

Evaluation

Our first step is working together with Management to understand the goals of the business. From there we conduct an initial review with our lending partners, pre-engagement, to determine market fit and assess prospective terms.

2

Reviews

Based on capital need and company profile, we outline the most compatible lending partners to pursue, walking Management through the options and determining the best path forward.

3

Negotiations

We review the opportunity in depth with our lending partners' credit committees. We handle the process of research, reviews, and cumbersome phone calls, working to bring the best terms and structures to you.

4

Term Sheets

Once delivered, we work through the terms with our lenders, providing feedback and working to negotiate and structure the offers best suited for you. Once negotiated terms are delivered, we review the terms with you, advising on the next steps in the process to move into diligence and funding.

5

Diligence & Funding

Terms have been accepted and the lender is in final diligence. Clients & lenders are directly engaged to move through this process, we remain involved to ensure the process is moving along efficiently.

Testimonials

"5th Line helped us identify lenders, get into the conversation, and complete a debt raise in a historically difficult market. The access to capital helps us play offense and continue to invest in growth while many competitors cannot. James was a pleasure to work with and provided great advice and counsel throughout the process."

Gautam Kumar

Lower.com

"We needed to refinance a term loan with a hefty bullet coming due on our balance sheet. With capital markets being more constricted, we engaged 5th Line to manage a process of reviewing with different lenders and structuring a debt refinancing solution, tailored to what we needed. The process was quick and efficient and now that it’s closed we can return to focusing on growing the business."

Rob Costanzo

Extole

"We were in one of those tough spots, no one on our board had ever heard of alternative lending channels like 5th line, and more common debt was not going to be a fit for our situation. 5th Line way exceeded our expectations! James was well connected, brought us multiple solutions, worked fast, has very high integrity and his transparency developed immediate trust. In the end, we couldn't have asked for a better partner for our debt line, and we never could have sourced him without James' help."

Mary Ellen Beliveau, CEO

Knowledge to Practice

"James validated the dilemma I was facing and suggested we look for venture debt options. In a matter of days, James started setting up introductory calls with various lenders around the country and we closed on the debt facility in just a matter of weeks. Since then, we nearly quadrupled our ARR in two years and on 12/30/21 I was able to close on an investment with growth capital and a recapitalization at a great valuation. I paid off the lender and sent James a note of gratitude. Not only did 5th Line Capital really come through when I needed them the most, but it turns out they also brought me a fantastic lending partner."

Scott Shickler, Founder & CEO

7 Mindsets

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Experts in RaisingVenture Debt

How We Do It

Experts in Raising
Venture Debt