Business Financing

Commercial Lending

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

Ready to Discuss Your Needs?

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

Start Application

Prefer to talk first?

(215) 999-8412

Mon-Fri 9am-6pm CT

Compare Programs

SBA Loans → Real Estate Lending → Equipment Financing → View All Programs →