01
Bridge Financing
Short-term capital, fast
Cover a timing gap, such as a pending sale, refinance, receivable, or equity raise, with short-term capital that bridges you to your next milestone.
Middle market financing · $250K–$100M facilities
Middle Market Financing, Structured Around Your Business.
Access capital to grow or stabilize your business, structured to fit anywhere in your capital stack.
- Fast underwriting and timely decisions
- Non-dilutive, equity-friendly capital
- No upfront fees to receive term sheets
- $1.7B+
- Capital arranged
- 60+
- Lender relationships
- 3–5 days
- Time to term sheet
- 1–4 weeks
- Time to close
Special Situations
Every middle market situation, one streamlined solution.
Whether you need a short-term bridge or a complete recap, our solutions can help you through any situation.
02
Exigent Growth
Don't let opportunity pass you by
Fund a large order, contract, acquisition, or expansion when timing matters, because the cost of waiting is often higher than the cost of capital.
03
Multi-Creditor
One coordinated capital stack
Bring senior, junior, and specialty lenders together into a single structure, coordinating intercreditor terms so every layer works together.
04
Refinancing
Replace expensive debt
Consolidate high-cost or short-term debt, such as MCAs, hard-money, or stacked loans, into lower-cost, longer-term financing that frees up cash flow.
05
Recapitalizations & Partner Buyouts
Reshape your ownership
Buy out a partner, provide owner liquidity, or restructure your balance sheet, without giving up control or bringing in new equity.
06
Special Situations
When you need answers fast
Covenant breach, lender exit, maturity wall, or urgent cash need? We move quickly to find creative financing when traditional lenders can't.
How it works
Lenders compete. You choose.
Going to one bank gets you one answer. A run process puts rate, leverage, and covenants in play, typically improving terms on every line of the term sheet.
- 1
Structure
We design the financing around your existing assets, cash flow, profitability, current financing stack, and growth plans.
- 2
Source
We take your deal to the lenders with the right appetite for your industry and location, and obtain competing offers.
- 3
Secure
We guide you through negotiations and help fulfill underwriting requests, all the way through to closing.
- 4
Syndicate
We invest in every deal we source through our advisory to avoid moral hazard.
Recent transactions
Capital arranged for companies like yours.
Marketing platform
$11M
Senior A/R facility
Bread manufacturer
$5M
Senior ABL
Smartphone app
$5M
Senior A/R factoring facility
Medical holdings company
$4.975M
Senior acquisition loan
eSports platform
$1.92M
Senior loan
Beverage manufacturer
$1.55M
PO financing
Winery & resort
$1M
Junior loan
Car wash company
$1M
Second mortgage
Refinancing
$1M
Senior debt
Digital media platform
$700K
Junior loan
Consumer brands company
$525K
Junior PO financing
Oilfield services company
$450K
Junior loan
Among many more, totaling $1.7B+ in capital arranged.
Client reviews
What business owners say about working with us.
“We've worked with Capital Desk for years through millions of dollars in financing for our healthcare companies. They're responsive and creative in working with lenders to reach acceptable terms.”
“Working with Capital Desk was a turning point for our business. Before we could get bank financing, they helped us secure a $400,000 line of credit that kept our growth going.”
“Hanna and his team helped us out of a major jam. They connected us with a new lender who refinanced the multiple debts weighing our company down. Highly recommended!”
“We've done multiple deals with Capital Desk and they've been instrumental in helping us scale. They made capital easier to access and accelerated our growth plans.”
“Great team. They helped us immensely, guiding us through a difficult investment arrangement that has turned into an ongoing partnership. My go-to from here on out.”
“I've done several deals with them and they have been nothing short of excellent and prompt, with phenomenal customer service.”
FAQ
Questions about middle market financing
What counts as the middle market?
Middle market companies typically have $10M to $1B in annual revenue and $2M to $100M in EBITDA. They are too large for small-business loans but often underserved by the largest banks, which is why a competitive lender process matters.
How long does middle market financing take?
Most clients receive term sheets within 3–5 days and close in 1–4 weeks, depending on structure, diligence, and third-party reports.
What does it cost to work with you?
There is no cost to submit a request or for the initial review. If we take on your mandate, fees are success-based and agreed in writing before any lender is contacted.
Will submitting affect my credit or tip off my lender?
No. We do not run credit checks at this stage, and if we do, it will be a soft pull only to get an approval.
What information do you need to get started?
A brief overview, the purpose and approximate size of the financing, and recent financials. We will send a short checklist after our first call.
Know your options before your lender does.
Two minutes to submit. A senior banker reviews every request and replies within one business day.