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Venture Debt Specialists
We raise creative Non-Dilutive capital solutions for growth-stage companies looking to avoid equity dilution. Experts in where our clients fit in the debt markets, we shoulder the workload of credit review and approval processes to deliver swift, favorable terms
from our network of trusted venture lending partners.

We know the challenges companies face in raising Venture Debt. We streamline the process and leverage our relationships with over 75 different banks & credit funds to secure optimal term. Our expertise is in taking tougher credit profiles 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.

$2MM +
Starting Capital Ask
$3MM
Minimum Revenue
27
Industries & Sectors Served
Over 100
Transactions Advised

Trusted Advisors to

How We're Different
Our clients come to us with a story, a reason they're in the market and they need guidance. We work with companies that don't fit the typical 'Venture Debt' model for any number of reasons.

Our clients often come to us due to:
  • Older or 'Tired' Investors
    You haven't done a major equity round in 15+ months. Investors may or may not be active or still able to fund the business.
  • Slower or Flat Revenue Trend
    Your revenue may not be doubling each year, there might have been a recent pivot or trend issue in the business that has since been corrected.
  • Unique Capital Need
    There's a specific need, like needing to fund a specific asset, acquisition or needing the most flexible terms for your profile.
  • Tight Liquidity & Runway
    Runway is under 6 months, your equity prospects may not be as bright as you had originally planned and you're looking to extend your runway.
Areas of Expertise
  • Growth & Expansion
    Adding additional cash to the balance sheet on top of equity funding to extend runway to break even or the next equity round, fuel sales, and grow overall business development.
  • Acquisitions
    Capital for acquiring another entity in the form of another company or another entity’s business assets.

  • 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, etc. for the purposes of funding company growth.
Capital Structures
Growth Capital

Adding additional cash to the balance sheet on top of equity funding to extend runway to break even or the next equity round, fuel sales, and grow overall business development.

  • Term Loans

    Funded loans to the balance sheet to go right to work for companies with higher, more immediate liquidity needs.

  • Lines of Credit

    Committed facilities designed to maximize flexibility for companies, allowing them access to capital without obligation to use.

  • Acquisition Financing

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

  • Refinancing

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

Working Capital Solutions
Freeing up capital tied up in accounts receivables, inventory, or funding tied to contract fulfillment.
  • Revolving AR

    Lines of Credit

    Capital against your accounts receivables to boost liquidity while you wait for customer payments.

  • Inventory Lines

    of Credit

    Finance the purchase of your inventory for sale so as to not tie up working capital or equity funds.

  • Purchase Order Financing

    Finance the materials & labor associated with order fulfillment to meet customer demand.

  • Project & Contract Financing

    Finance against the long-term cash value of contracts to fund the fulfillment of the services.

CAPEX Financing
Financing for capital expenditures including machinery, FF&E, computer & other technology-related hardware, etc. for the purposes of funding company growth.
Navigating the CapEx lending market can be challenging, knowing the right players, we are able to source and verify the terms on your behalf.
Benefits of CapEx Financing
  • 100% Financed

    Finance the entire purchase price of the assets, not just the discounted resale value.

  • Soft Costs Included

    Typically 20-25% of soft costs like software & labor are included in the facility.

  • Non-Warrant

    Don't give away equity as part of your equipment financing, CAPEX facilities are all-cash repayments.

  • Equipment-Specific Lien

    The equipment is the sole collateral, meaning the rest of your balance sheet is entirely free and clear.

CapEx Specialities

Our clients tend to have unique capital needs

Robotics & IOT
Specialized tooling, molds and components are often financed by our robotics & IOT clients
Life Science
Finance specialty or off the shelf lab equipment and medical devices
Manufacturing
Unique or off the shelf equipment used to manufacture and assemble components
FF&E
Finance the acquisition of small items like furniture, fixtures & equipment
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

Contact Us
info@5thline.co
265 Franklin St. Suite 1702
Boston, MA 02110