Cash Flow Loan

Borrow against earnings, not just assets.

Two and a half decades of middle-market structuring lets us build cash-flow loan structures that unlock a materially larger loan amount.

There are dozens of variables in a cash-flow credit — EBITDA add-backs, leverage tests, amortization shape, springing covenants.

We know where each lender flexes, and we prepare your numbers so the credit committee sees the strongest defensible version of your business.

• EBITDA normalization and add-back defense
• Leverage-multiple maximization
• Amortization and holiday negotiation
• Refinance ladders for future rounds