Mezzanine & Standby Capital
Fill a funding gap without adding another MCA draft.
Since 2022 - Hundreds of Funding Needs Reviewed
We help business owners review MCA pressure, bank capacity, and private-credit options before taking another short-term advance
35 + Years in Structured Finance
Our team reviews cash flow, senior debt, collateral, covenants, and repayment capacity before presenting funding options.
Coast‑to‑Coast Capital Network
We work with private-credit groups and specialty lenders that may consider subordinated or standby funding requests.
Mid-level funding that sits between bank debt and equity
Mezzanine capital is typically subordinated financing that sits behind senior debt and ahead of common equity in the capital stack. It may be structured as subordinated debt, preferred equity, or another private-credit facility, depending on lender approval, senior-lender consent, covenants, and cash flow.
Book a Request An Appointment today and review whether mezzanine or standby capital fits your current funding need.
When Ignoring Cash Gaps Backfires
Stretching payables or taking another MCA can create supplier pressure, overdrafts, and heavier repayment strain.
What to Watch Out For
Supplier Strain
Late payments can affect vendor terms, order priority, and account relationships.
Payroll Pressure
Cash shortages can put wages, staffing plans, and employee morale at risk.
Emergency MCAs
Short-term advances may solve an immediate gap while creating heavier repayment pressure later
Growth Stall
A lack of working capital can delay hiring, inventory, marketing, or expansion plans.
How We Fund the Gap
Analyse the Need
We review the shortfall, current debt, cash flow, and purpose of funds.
Source Term Sheets
Qualified lenders may outline proposed rates, terms, fees, covenants, and repayment conditions.
Term Review
We review payment timing, subordination language, covenants, fees, and any equity-linked features.
Co-Lender Coordination
When senior debt exists, we help review consent needs and intercreditor requirements
Our 4‑Step Mezz‑Capital Process
Here’s how we review funding needs and work toward a structured capital option
01.
Free Funding Assessment
We review financials, existing debt, MCA balances, and the purpose of the requested capital.
01.
Lender Match
Best-fit funding sources review the file and indicate whether the request fits their criteria.
02.
03.
Closing & Disbursement
If approved, documents are reviewed, signed, and funds are released according to the agreement.
01.
Post Funding Support
We help track payment terms, covenant dates, and future refinance or payoff options.
04.
Benefits of Mezzanine / Standby Capital
Mezzanine or standby capital may help fill the space between senior debt and equity without adding another MCA repayment schedule.
Ready to Fill Your Capital Gap?
Book A Call
Mezzanine / Standby Capital FAQs
Five questions business owners often ask before choosing mezzanine or standby capital.
Requirements vary by lender, but most review EBITDA, debt-service coverage, leverage, cash-flow history, and repayment capacity
Pricing depends on risk, senior debt, collateral, leverage, term length, and whether equity-linked features are included
It can if consent is not obtained, so senior loan covenants and intercreditor terms should be reviewed first.
Requirements vary by lender, structure, business strength, collateral position, and owner profile.
Timing depends on underwriting, documents, senior lender consent, legal review, and funding source approval.