Mezzanine & Standby Capital
Plug urgent cash gaps without stacking another MCA
Since 2022 — Hundreds of Growth Plans Funded
Manufacturers, SaaS firms, and healthcare groups have bridged seasonal dips and expansion pushes with flexible mezz financing.
35 + Years in Structured Finance
Former investment‑bank VPs, underwriters, and turnaround CFOs craft subordinated deals that banks approve alongside senior loans.
Coast‑to‑Coast Capital Network
Specialty funds, family offices, and private‑credit shops issue term sheets in 10 – 20 days—fast enough to seize time‑sensitive opportunities.
Mid level funding that sits between bank debt and equity
Mezzanine or standby capital fills the space traditional banks won’t touch. It’s typically interest‑only for the first 6–12 months, then amortises over a longer schedule. Rates land below MCA factor fees and above bank loans, giving businesses time to boost revenue before heavier payments start.
Book a free consultation today and learn how mezz fits your growth stack.
When Ignoring Cash Gaps Backfires
Stretching payables or stacking another MCA can trigger supplier holds and overdrafts.
What to Watch Out For
Supplier Strain
Late payments cut discounts and damage relationships.
Payroll Pressure
Cash shortages jeopardise wages and morale.
Emergency MCAs
Quick fixes at triple digit APR lock in future pain.
Growth Stall
Lack of capital delays expansion, marketing, and hiring plans.
How We Fund the Gap
Analyse the Need
We size the shortfall and match it to the right mezzanine or standby product.
Source Term Sheets
Partner funds issue offers—rate, term, and covenants outlined clearly.
Term Negotiation
We secure interest‑only periods, early‑payoff discounts, and warrant caps that preserve upside.
Co‑Lender Coordination
We draft the inter‑creditor agreement, keeping senior lenders first‑position and covenants intact.
Our 4‑Step Mezz‑Capital Process
Here’s how we convert your MCA payments and put you back in control.
01.
Free Funding Assessment
We review financials and identify how much mezzanine or standby cash fits.
01.
Lender Match
Best‑fit funds pitch terms that match cash‑flow projections.
02.
03.
Closing & Disbursement
Legal review, signatures, and funds wire to your account.
01.
Post Funding Support
Covenants are tracked, and plans for long‑term refinancing are set.
04.
Benefits of Mezzanine / Standby Capital
Mezzanine / standby capital plugs the gap between bank debt and equity, funding expansions or acquisitions without forcing you to hand over voting control.
Ready to Fill Your Capital Gap?
Book A Call
Mezzanine / Standby Capital FAQs
Five most‑Googled questions owners ask before choosing mezz finance
Most funds look for $1 M+ EBITDA or a clear 12‑month cash‑flow history that covers interest at least 1.5×.
Current mezz coupons run 12–18 % plus a 1–2 % closing fee; many include a small equity kicker (1–5 % warrant) or success fee payable at exit.
Not if structured correctly. A signed inter‑creditor agreement keeps the bank first‑position; DSCR tests are calculated net of mezz interest.
Rarely. Mezz providers usually secure against business assets and cash flow; personal guarantees are uncommon for EBITDA‑positive companies.
With clean financials and senior‑lender cooperation, mezz deals fund in 4–6 weeks from term‑sheet acceptance—far faster than equity, and without the dilution.