Capital Sourcing
Debt Raise
Waypoint Private Capital provides tailored debt capital solutions for privately held middle-market companies. We leverage our experience and extensive network of lenders to source and structure debt financings that align with our clients' unique needs and growth objectives.
What You Should Know About Debt Raising
80%
of middle-market companies use some form of debt financing to support their operations and growth initiatives.
1.5-2.5
is the typical debt-to-equity ratio for middle-market companies. Cash flow lenders will often lend up to 3x EBITDA.
10-15%
higher growth is reported by companies effectively using debt financing versus those using only equity financing.
No Two Lenders Are Exactly The Same.
Explore All Your Debt Financing Options
Finding the Right Lender
While 60% of debt financing for middle-market companies is provided by banks, there are many alternative sources of funding available. The team at Waypoint Private Capital can help business owners evaluate their business, determine how much debt should be available to their business, and help them source that debt from the most suitable lenders.
Steps To Find Debt Financing
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Prepare for the Request: One of the biggest mistakes we've seen business owners make when seeking financing is failing to prepare before requesting a loan. Business owners should make it easy for lenders to analyze the business and make a lending decision.
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Start with the Company's Current Bank: Relationships are always helpful when seeking financing. Business owners should always try to work with their current bank first. The incumbent bank should already understand the business and be able to quickly evaluate the request and make a decision.
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Pursue Other Banks: If the company can't secure a loan with their current bank, casting a wider net to a larger group of banks is recommended. Every bank has different strategies, goals, biases, and people that impact how they evaluate each loan opportunity. Just because one bank says “no” to a loan request doesn’t mean that others won’t say “yes.”
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Consider SBA or USDA Loans: These loans often get a bad rap because they are government sponsored programs - that are highly regulated and often require borrowers to jump through hoops to get the loan. But if companies have the time and patience, these can be great programs.
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Pursue Alternative Financing Sources: Unregulated lenders are a great option for companies that can't find a satisfactory loan through a traditional bank. Alternative financing sources will include:
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Asset Based Lenders (ABLs),
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Leasing Companies,
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Factoring Companies,
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Finance Companies offering unitranche loans, and
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Subordinated Debt Lenders.
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Read Article: How to Find Financing when Your Bank Says No
We Help You Identify and Execute
Debt Raising Solutions
Debt Raise Process
Getting a loan can be difficult, especially for business owners who don't have the right connections or experience working with banks or alternative lenders. Waypoint Private Capital can help business owners find the debt financing they need to achieve their business goals. We have connections with banks and alternative lenders throughout the country and have had success working with healthy companies exploring growth initiatives as well as troubled companies that need to refinance their debt with a more flexiable lender.
Whether a company chooses to work with us to secure their financing, or pursues the financing on their own, it is imperative to start the process as early as possible and to have the right partners on your team.
Below is an overview of our 5-Step Debt Raise Process:
$1B+
Cumulative Deal
Value
425+
Years of Team
Experience
100+
Client Transactions
15+
Years In
Business
Recent Debt Raise Transactions
