AcquisitionSenior + mezzanine
Commercial cleaning services$18.0M
Senior term loan$4.6MPrime + 5.25%
Senior term loan$7.5MSOFR + 11.00%
SBA financing · $500K–$10MLower middle market · $5M+
LOWER MIDDLE MARKET · $5M–$50M
Hundreds of lenders compete for your deal
We run the whole process for you: our platform and deal experts take your $5M–$50M raise to the best fits among our 1,150+ capital providers, so they compete on terms and your deal closes fast.
Acquisition
Refinancing
Growth capital
Working capital
Our network
- Commercial banks240
- SBICs156
- Private credit funds115
- Commercial finance firms68
- Specialty lenders37
- Family offices288
- PE firms and other investors284
Capital providers1,150+
5.0 out of 5
LENDER NETWORK
A sample of the 1,150+ capital providers on our platform
Banks, SBICs, family offices, private credit and specialty lenders across senior, mezzanine and subordinated debt, plus investors who can co-invest equity alongside the debt.
Recent financings
Selected recent financings
If your deal is financeable, we'll get it done: we keep working the lenders until the term sheets come in.
AcquisitionSenior debt
Specialty packaging manufacturing$14.0M
RefinancingSenior debt
Waste management$8.5M
AcquisitionSenior debt + preferred equity
Construction$28.0M
AcquisitionSenior debt
Multi-site physical therapy$7.2M
Client results
What borrowers say
5.0 out of 5
More lenders at the table, better terms and very little of their own time spent.
We were in a tough spot with pending litigation making it difficult to attain a term loan. Once we started working with CapFlow, they quickly got us 3 term sheets for $10m from non-bank lenders. The process was easy and the communication was top-notch.
Sarah D.
CapFlow sourced our entire capital stack — senior debt, mezzanine, and equity — from a single process. I would not have known where to start without them.
Mark H.
What impressed me most was the fee structure. The advisory fees rolling into credits meant our interests were completely aligned.
Brian L.
Want more client results? Set a call →
How we compare
Your options, side by side
A far wider lender network than an investment bank, at lower cost, with a faster process via our AI-native platform.
| Your relationships | Debt advisor | Investment bank | CapFlow | |
|---|---|---|---|---|
| Cost | Your relationshipsMonths of your team's time. | Debt advisorCommonly a retainer up front plus a fee at close. | Investment bankA non-refundable retainer up front, plus a fee at close. | CapFlowFar less up front, all of it credited against your success fee at closing. See Pro pricing. |
| Lender reach | Your relationshipsThe few lenders you already know. | Debt advisorThe handful of lenders they favor, picked from memory. | Investment bankAn institutional list aimed at larger raises. | CapFlowOur full network of hundreds of lower-middle-market credit providers, matched to your deal by our platform. |
| Who does the work | Your relationshipsYour team: the materials, lender diligence, every call — on top of running the company. | Debt advisorUsually a single advisor. The materials and diligence still land on your team. | Investment bankA deal team, with the senior banker at the milestones. | CapFlowWe do. The platform builds the materials and our experts run every lender call and diligence request. Your team supplies information and makes the decisions. |
| Who negotiates | Your relationshipsYour team, with no competing offers for leverage, against lenders who do this every day. | Debt advisorThey sometimes do, but a short lender list leaves little to negotiate against. | Investment bankThey do, if your raise is big enough to hold their attention. | CapFlowWe do, with competing term sheets side by side, creating leverage. |
| What you can see | Your relationshipsOnly what you track yourself. | Debt advisorWhatever they choose to report. | Investment bankScheduled updates from the deal team. | CapFlowWritten lender-by-lender updates, including the reasons lenders give for passing. |
| If it doesn't close | Your relationshipsMonths lost, nothing to show for it. | Debt advisorThe retainer is spent. | Investment bankThe retainer is spent. | CapFlowYou keep the materials prepared for your engagement and the lender feedback received. Your credits roll forward to your next deal with us. |
The process
We handle things from first call through closing
Our platform does the work, a deal expert oversees every step, and you pick the winning offer.
- 01
Intro
A brief intro call to learn about your deal — what you're financing, how much and when.
- 02
Pre-underwrite
We analyze the deal before a lender ever sees it, producing the deal snapshot that shows how financeable your deal is.
- 03
Documents
We collect and organize the financial and legal documents lenders need.
- 04
Package
We build your teaser, executive summary and credit package from the analysis.
- 05
Target
We match your deal to lenders on their stated criteria, plus what we've learned from every deal we've sent them.
- 06
Outreach
We send the package to selected lenders and follow up until each proceeds or declines.
- 07
Engagement
We prepare answers to lender questions, and your deal expert leads the lender calls.
- 08
Term sheets
You see every returned term sheet side by side, with key terms highlighted.
- 09
Negotiate
Your deal expert negotiates every term sheet, using competing offers as leverage.
- 10
Close
We coordinate diligence and the closing timeline across the parties.
Timeline
Sixty days, with lenders working in parallel
We approach credit providers in parallel. The clock starts once your engagement is signed and your documents are in.
Analysis & packaging
Lender outreach
Term sheets & negotiation
Diligence & closing
Why CapFlow
Deal experts, powered by AI
Our platform tracks dozens of criteria on what each lender lends against and how it has acted on previous deals, so yours goes to the best fits.
A deal expert runs your deal
A dedicated deal expert quarterbacks it from first call to closing table — reviewing every document, joining every lender call, making every judgment call the app can't.
AI-native, start to finish
The app is not bolted onto a manual process — it drafts the package, matches lenders and tracks the deal. The expert reviews and approves before anything goes to a lender.
The entire market, competing
We target the lenders in our network whose stated and revealed criteria fit your deal, not the handful a typical debt advisor favors.
Market intelligence that compounds
We record every lender's feedback and use it when targeting the next deal, and to help negotiate your best terms.
The result? More lenders competing. Better terms. A faster close. We do the heavy lifting.
Shaun has managed dozens of successful financing campaigns across acquisitions, refinances and growth capital ranging from SBA 7(a) deals to $100M+ middle-market transactions. He built CapFlow's network of 1,150+ capital providers and knows which lenders are deploying capital, what structures they prefer and what they need to say yes. Every engagement gets his personal attention from day one through closing.
INDUSTRIES
The sectors we finance most
We know which lenders lend in your sector, what they need to see and how to position your deal to win.
Healthcare & senior care
Food & beverage
Business & professional services
Home & commercial services
Automotive
Construction & infrastructure
Logistics & distribution
IT & software
Manufacturing
Energy & EV infrastructure
Something else? Let's discuss →
Pricing
Monthly advisory fees credit against the success fee at closing
Your advisory fees come back as credits at closing, and roll forward to your next deal if this one doesn't close.
Monthly, once documents are underway. Credits against what you owe at closing.
Due at closing. Typically rolled into the financing as a use of proceeds.
You keep the materials prepared for your engagement and the lender feedback received.Your credits roll forward to your next deal with us.
Sponsor and operator questions
Frequently asked questions
Straight answers on fees, credits and what happens if a deal doesn't close.
How much work is this for me?
Very little. Our platform builds your lender materials and our deal experts run the process — outreach, diligence, calls and negotiation. Your team supplies the information we ask for and makes the financing decisions.
What does the monthly advisory fee cover?
The monthly advisory fee covers packaging, lender targeting, outreach, document requests and negotiation before closing. It credits against what you owe at closing.
What happens if the deal doesn't close?
You keep the materials prepared for your engagement and the lender feedback received. Advisory fees already paid, and any document-preparation charges already incurred, are not refunded, but they roll forward and are credited back to you on a future deal with us. Financings die for reasons that have nothing to do with the financing work: a seller walks, diligence turns something up, a buyer changes their mind.
I already have a lender I've been talking to. Does that count?
Tell us before we start and we will list them as excluded. A lender you sourced yourself is treated differently from one we bring you — the distinction is written into the engagement, not figured out afterwards.
How is this different from hiring an investment bank?
An investment bank runs a largely manual process: bankers work the lenders they already know, one relationship at a time, and a non-refundable retainer pays for that labor. We run the same debt and structured-capital process on our own data and AI: we target lenders across our whole network by their stated mandates, build the package and stay on every lender call through closing. You get wider lender coverage without paying for a bank's overhead.
Is this software, or do people actually work on my deal?
The best of both. A model workforce builds the package and runs the analysis: the memo, the lender-criteria matching, first drafts of the diligence responses. A deal expert reviews and approves the analysis, the supporting documents and every diligence response before anything goes to a lender, and handles lender questions through diligence. The deal expert is on every credit call and oversees the process until closing.
Get started
Hundreds of lenders compete for your deal
Tell us what you need. We'll let you know whether it's financeable and how we'd run the campaign, before you sign anything.