Financing solutions
Financing built around the business
A purchase price, a loan payoff or a new piece of equipment can start the conversation. The financing also needs to account for the cash the business will use afterward and the obligations it will carry.
Greenfield’s capital markets desk primarily focuses on financing needs of $2 million to $25 million. We work with owners, sponsors and their advisers to clarify the request, assess lender fit and coordinate the next decision.
Property and equipment financing
A company may own a building and valuable machinery while needing cash for operations. A mortgage lender, equipment provider and existing bank may each look to some of the same assets. We work through the debt, payoffs and collateral requirements before assuming the facilities can sit beside one another.
On selected joint assignments, the Blue Heron–Greenfield Alliance brings equipment-finance experience together with analysis of the wider financing need. The owner can see which assets support each proposed facility and which releases or agreements still need to be resolved.
The useful next decision: whether the proposed combination would leave the business with the cash and flexibility it needs.
Explore the Alliance and see a refinance decision from the work.
Acquisition and buyout financing
The purchase price is only one use of cash. Debt payoffs, transaction costs, property, equipment and operating needs may draw on the same sources. We put those uses alongside the buyer’s equity and proposed financing to identify what is covered and what remains conditional.
The lender request should explain the immediate acquisition clearly, distinguish it from other purchases in a buyer’s program and flag missing information. Appraisals, partner contributions and approvals belong in the timetable if closing depends on them.
The useful next decision: which funding assumptions need confirmation before the buyer commits to a closing plan.
What to prepare before lender outreach · An anonymized acquisition-package example
Business refinancing and working capital
A larger loan does not always leave more cash in the business. Payoffs, reserves, eligibility rules and costs can change what is available after closing. We compare the proposed facility with the operating need, payment burden and flexibility the owner wants to retain.
When discussions have stalled, we review what lenders received and what they said. A size limit, missing financials and a credit concern call for different responses. That distinction helps determine whether to complete the package, revisit the structure or approach another source.
The useful next decision: whether the revised financing improves the business’s position enough to justify the change.
See the usable-cash illustration · Where we start when financing gets stuck
Introducing a client? See how referrals and updates work.
Start with the question that is still open
Tell us what the business needs to do, how much financing is involved and when an answer matters. We start with the current debt, collateral and lender conversations, then work out with you which issue needs attention first.
Success-based. We earn when you close. No retainers. No upfront fees.
Greenfield advises on financing and commits no capital. Financing remains subject to each provider’s underwriting, documentation and approval. Work in progress and illustrations are identified in the linked examples.