Funds for shortfalls and late-stage risks
When senior lenders fall short, get the capital you need to preserve timelines and close without restructuring.
Capital built to seal the deal
When financing gaps appear late in a transaction, our team provides a path forward that protects your momentum, respects the existing terms, and supports a clean close.
These are the type of friction points where partners rely on us:
- Solve capital gaps that disrupt investment banking timelines
- Execute deals that fall outside bank size or credit boxes
- Close time-sensitive transactions without restructuring
- Protect credibility when terms change or senior lenders exit
Our core focus across companies and transactions.
How to qualify:
- U.S. businesses, B2B and B2C
- Revenue from $500K to $75M+
- No minimum collateral or profitability requirements
- Construction, healthcare, retail, restaurant, wholesale & more
What we fund:
- Mergers
- Acquisitions
- Restructures
- Expansion
- Capital shortfall
From subordinated debt to late-stage bridge capital, our award-winning team delivers flexible solutions that push deals through the finish line.
Since 2007, we’ve deployed over $3B to partners and growing businesses.
Fund in-house, up to $15M direct from our balance sheet
From $250K -$15M, we tailor funding to fit client needs.
We’ve built our reputation on finding clear solutions to complex needs.
Markets shifted. Credit tightened. Stability restored.
First Harvest, a 55-year agricultural distributor, faced an unexpected challenge when commodity nut prices underwent significant volatility. The price changes caused their senior bank to re-evaluate the company’s collateral, reducing available borrowing capacity just as seasonal vendor payments were approaching.
A referral partner brought them to National. We structured a $5M term loan aligned to their operating cycle, providing liquidity without disrupting the existing senior lender position.
For the partner, it meant trust reinforced. For First Harvest, it meant honoring vendor commitments and navigating price fluctuations without interruption.
4 days. $8 million. No senior lender.
Frontline Strike Group, a $90M defense systems manufacturer founded by Special Ops veterans, was preparing to acquire a minority stake in an industry partner to strengthen supply chains and accelerate growth toward $145M.
One week before closing, the committed capital disappeared. With no senior lender in place, the company had days to replace $8M or lose the transaction.
National Business Capital completed underwriting, conducted site visits across two locations, and structured a $10M performance-backed term loan within four days—funding $8M immediately and preserving the deal.
Capital Insights for today, tomorrow, and beyond
From funding strategies to industry trends, our experts break it down.
The Flywheel of Capital Structure
True Capital: The Architecture That Builds Enduring Growth
When Growth Devours Itself: Saks Global filed for Chapter 11
Red by Design: Controlled Burns and Sustainable Growth
Cash May Be King. Capital Is the Blueprint.
Strategic Red: When Financial Strain is the Architecture of Growth
“National understood what was at stake. They moved fast, communicated clearly, and helped us maintain momentum and confidence through the final stages.”