Middle-Market Focused Large Facility Funding with
Debt Capital Advisory
Debt capital advisory is help selecting, structuring and negotiating a company’s debt — term loans, lines of credit or structured solutions — to maximize flexibility and minimize costs. Commercial Finance Partners offers an all-encompassing approach to structuring and managing debt instruments that fuel your growth. Count on our expertise to craft customized solutions that align with your strategic goals and risk tolerance.
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Funding Details
Structured Finance
- Approved Quickly
Debt Capital Advisory
Cash Flow Loans
Amplify Your Earning Power:
- Leverage proven revenue trends
- Minimize collateral obligations
- Align payments with profit cycles
- Unlock immediate growth capital
- Retain ownership control
Unitranche Lending
Simplify Capital Stacks:
- Combine senior and junior debt
- Reduce lender complexity
- Streamline repayment conditions
- Facilitate large-scale transactions
- Balance growth with manageable risk
Mezzanine Financing
Bridge Gaps Between Debt & Equity:
- Limit equity dilution
- Attain flexible subordinate capital
- Reward investors with higher yields
- Support acquisitions or expansions
- Adapt repayment to growth milestones
Asset Based Loans
Unlock Asset-Based Liquidity:
- Monetize inventory or receivables
- Align credit availability with asset value
- Cover seasonal or cyclical needs
- Lower overall financing costs
- Enhance working capital management
Junior Capital
Address Unique Funding Challenges:
- Respond swiftly to distressed conditions
- Refinance urgent debt obligations
- Undertake rapid turnarounds
- Engage opportunistic mergers or buyouts
- Stabilize short-term cash flow
Structured Finance
Customize Complex Deals:
- Integrate multiple funding layers
- Merge debt, equity, or hybrid instruments
- Match repayment to project timelines
- Mitigate risk across stakeholders
- Power large-scale corporate moves
Commercial Finance Partners
Debt Capital Advisory
Debt Capital Advisory focuses on designing finance solutions that align with your business model, risk profile, and long-term objectives. By analyzing current liabilities, cash flow, and growth projections, we help select the right instruments—such as term loans, lines of credit, or structured solutions—that maximize flexibility and minimize costs. This method looks beyond immediate borrowing needs to ensure the chosen debt strategy supports broader corporate goals, whether it’s scaling into new markets, optimizing capital structure, or fueling operational improvements. A strong advisory framework can also pave the way for future financing rounds under favorable conditions.
At Commercial Finance Partners, we operate as an extension of your financial team. Our collaborative process starts by understanding your strategic vision and risk appetite. Next, we identify suitable debt products, negotiate competitive rates, and guide you through documentation and closing. Beyond initial funding, we continue to reassess your capital structure, advising on recalibrations to match market shifts or internal developments. This life-cycle support ensures each debt instrument remains a powerful lever for sustained growth rather than a burden. Through transparent communication and methodical planning, our objective is to help you retain stability, maintain control, and enhance profitability.
Holistic Evaluations
We consider every facet of your financial health to recommend well-rounded solutions.
Expert Negotiations
We use our industry relationships to secure competitive interest rates and covenants.
Dynamic Adaptations:
We recalibrate lending structures as your market position evolves.
Process Efficiency:
We streamline each step from application to funding, saving you time and resources.
Enduring Partnership
We stay engaged beyond closing, ensuring ongoing alignment with business goals.
Customer Testimonials
Real testimonials from business owners show how our debt capital advisory structures financing that fuels their growth. Their success proves our unwavering commitment to your peace of mind.
How to Leverage
Debt Capital Advisory
Begin by mapping your strategic projects, whether they involve acquisition, market expansion, or technology upgrades. Clarify each project’s financial timeline, anticipated returns, and potential risks. This blueprint helps your debt advisor determine which loan types or structures best suit the scale, urgency, and duration of your objectives. Proactive planning sets the stage for fruitful lender discussions and transparent negotiations, laying a stable foundation for high-impact outcomes.
Key Benefits of Leveraging Debt Capital Advisory
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Structured insights help you select loan terms aligned with your specific business trajectory and cash flow cycles.
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Expert guidance streamlines lender interaction, reducing friction and accelerating the financing timeline.✦
Customized debt strategies minimize interest costs and covenant pressures, preserving working capital.
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Ongoing advisory ensures your capital structure remains an asset, not a liability, as you scale or pivot.
Regularly revisiting your debt strategy is crucial. As market conditions, revenue flows, or corporate priorities shift, reevaluate your structures to avoid overleverage or missed investment opportunities. By staying open to refinements—like swapping short-term facilities for more flexible instruments—you maintain resilience. Continuous dialogue with your advisory team ensures you catch signals early, allowing agile responses that mitigate risk and capitalize on emerging prospects.
Debt Capital Advisory Services
Commercial Finance Partners focuses on middle-market debt capital advisory, typically $10,000,000 to $250,000,000 of financing for companies with $3,000,000 to $30,000,000 of EBITDA — the structured finance example on this page is a $17,000,000 loan. Our debt capital advisory services include:
- Unitranche lending — senior and subordinated debt combined in a single loan with one interest rate, one set of terms and one lender relationship.
- Mezzanine financing — subordinated capital priced between senior debt and equity; all-in pricing for acquisition financing typically runs 10% to 14% in 2026.
- Junior capital — second-lien and other junior debt that is paid only after first-lien obligations are satisfied.
- Asset-based loans in structured financings — ABL combined with other secured or unsecured debt.
- Structured finance — senior loans, mezzanine debt and asset-based solutions woven into one cohesive package.
- Cash flow loans — lending that leverages proven revenue trends and minimizes collateral obligations.
For working-capital lines secured by receivables and inventory, see asset-based lending. Sources: Regions Bank; ABF Journal; OCC Comptroller’s Handbook, “Asset-Based Lending”; Federal Reserve.
Debt Capital Advisory FAQs
What is debt capital advisory?
Debt capital advisory is help designing a company’s debt around its business model, risk profile and long-term objectives. Commercial Finance Partners analyzes current liabilities, cash flow and growth projections, helps select instruments such as term loans, lines of credit or structured solutions, negotiates competitive rates, guides you through documentation and closing, and continues to reassess your capital structure after funding.
What is the difference between senior and subordinated debt?
Senior, first-lien lenders are repaid first. Second-lien and other junior lenders may share the same collateral but are paid only after first-lien obligations are satisfied in full, so over long-run data first-lien senior secured loans have recovered about 70 to 80 cents on the dollar in default versus roughly 30 to 45 cents for second-lien loans. Subordinated debt is priced higher to match.
Which companies use middle-market debt financing?
Private credit and leveraged loans are two key sources of financing for below-investment-grade middle-market firms, typically those with revenues between $10 million and $1 billion, according to the Federal Reserve. Private credit lenders can offer customized terms, faster origination and greater flexibility in renegotiation because loans are privately negotiated and held by a small group of lenders.
How do private credit loans compare with leveraged loans?
For loans issued in 2025, the Federal Reserve reports a median private credit loan of $20 million at 500 basis points over SOFR, versus $275 million at 400 basis points for leveraged loans. Both had a median maturity of five years, and private credit borrowers carried a median 5.0x debt to EBITDA, versus 3.2x for leveraged loan borrowers.
The financing solutions provided by Commercial Finance Partners were exactly what I needed. Their team was professional and helped me every step of the way
Matthew Rodriguez Business Owner