Commercial Lending Solutions for Growing Companies
Business Financing

Commercial Lending Programs

Structured financing solutions for established businesses with complex capital needs. From accounts receivable financing to M&A transactions, we design custom solutions with bank and non-bank partners.

Commercial Lending Programs

Accounts Receivable & Inventory Financing

Leverage your outstanding invoices and inventory to access working capital. Also known as factoring or asset-based lending.

  • • Advance rates up to 85% on A/R, 50-60% on inventory
  • • Revolving credit lines based on eligible collateral
  • • Fast funding as invoices are generated
  • • Ideal for distributors, manufacturers, wholesalers

Mergers & Acquisitions (M&A)

Finance business acquisitions with tailored structures. Combine seller financing, equity, and debt for optimal leverage.

  • • Up to 80% LTV on acquisition value
  • • Flexible structures (SBA, conventional, mezzanine)
  • • Due diligence and valuation support
  • • Platform and add-on acquisition financing

Asset-Backed Lending (ABL)

Secure financing using business assets as collateral. Includes equipment, real estate, inventory, and intellectual property.

  • • Loan amounts based on asset valuations
  • • Lower rates than unsecured alternatives
  • • Credit flexibility with strong collateral
  • • Suitable for turnaround or growth scenarios

Syndicated & Large Ticket Solutions

For transactions over $5M, we structure deals with multiple lenders to meet your capital needs.

  • • $5M to $50M+ financing
  • • Senior, subordinated, and mezzanine tranches
  • • Relationship banking for portfolio growth
  • • Private equity and institutional capital access

Franchise Financing

Specialized programs for franchisees of approved brands. Multi-unit and master franchisee structures available.

  • • SBA and conventional franchise loans
  • • Streamlined approval for pre-approved brands
  • • Multi-unit expansion financing
  • • Equipment and build-out capital

Recapitalization & Refinancing

Restructure existing debt, extract equity, or reposition balance sheet for growth.

  • • Consolidate multiple debts into single facility
  • • Lower rates and extend terms
  • • Cash-out for working capital or distributions
  • • Improve financial covenants and flexibility

Who Benefits Most

Business Profiles

  • Manufacturers & distributors
  • Government contractors
  • Private equity portfolio companies
  • Mid-market enterprises
  • Roll-up strategies and consolidators

Common Scenarios

  • Rapid growth exceeding internal cash flow
  • Large customer orders requiring upfront capital
  • Strategic acquisitions to gain market share
  • Complex balance sheet restructuring
  • International expansion or trade finance needs

Qualification Requirements

Minimum Criteria

  • Typically $2M+ in annual revenue
  • 2+ years operating history
  • Positive EBITDA or clear path to profitability
  • Strong management team and financial controls
  • Audited or reviewed financials for larger deals

Documentation Requirements

  • Financial statements (P&L, balance sheet, cash flow)
  • 2-3 years tax returns (business and personal)
  • Detailed business plan and use of funds
  • Asset schedules and valuations (for ABL)
  • A/R aging and customer concentration analysis
  • Management resumes and org chart
  • Legal entity structure and ownership

Our Process

1

Discovery & Strategy Session

We review your business model, capital needs, and objectives to determine optimal structure.

2

Lender Matching

We present your opportunity to our network of banks, credit funds, and institutional lenders.

3

Term Sheet Negotiation

We help you evaluate offers and negotiate the most favorable terms for your situation.

4

Due Diligence & Closing

We coordinate with your team, advisors, and lender to close efficiently.

Why Work With Closer Capital for Commercial Deals?

  • Deep lender relationships: We work with banks, credit funds, BDCs, and family offices
  • Expertise in structuring: We design custom solutions, not cookie-cutter products
  • Speed and efficiency: We know how to move complex deals forward
  • No upfront fees: We're compensated on successful closing

Frequently Asked Questions

What is accounts receivable financing?

Accounts receivable financing (also called factoring or invoice financing) allows you to borrow against outstanding invoices. Lenders advance 70-85% of invoice value immediately, then collect payment from your customers. You receive the remaining balance minus fees when invoices are paid. This converts unpaid invoices into immediate cash flow. Learn more about invoice financing.

What's the difference between invoice factoring and invoice financing?

Invoice factoring involves selling invoices to a factor who collects payment directly from customers. Invoice financing uses invoices as collateral for a loan, and you collect payment from customers. Factoring provides faster funding but customers know you're using a factor. Financing keeps customer relationships private. Learn more about invoice factoring vs business loans.

Can I get financing for a business acquisition?

Yes, M&A financing can help fund business acquisitions. Lenders typically finance 70-80% of acquisition value, requiring 20-30% equity from buyer. Financing structures include SBA loans, conventional loans, seller financing, and mezzanine debt. Strong target business financials and buyer experience improve approval odds.

What is asset-based lending?

Asset-based lending (ABL) uses business assets as collateral including accounts receivable, inventory, equipment, real estate, and intellectual property. Loan amounts are based on asset valuations rather than cash flow alone. ABL offers lower rates than unsecured loans and more credit flexibility. Learn more about asset-based lending.

How much can I borrow with commercial lending?

Commercial lending amounts vary by program. Accounts receivable financing typically advances 70-85% of invoice value. M&A loans can finance $500k-$50M+ depending on deal size. Asset-based loans depend on asset valuations. Syndicated deals can reach $50M+. Amounts depend on business financials, collateral value, and deal structure.

Ready to Discuss Your Needs?

Commercial deals require a consultative approach. Let's talk through your situation.

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