BUSINESS LOANS
Strategic Capital for Business Growth
Subordinated debt provides patient capital to fund growth, acquisitions, or restructuring while maintaining operational control. Strengthen your balance sheet and fuel your business’s future without diluting equity.
Loan sizes up to $10,000,000 for growth initiatives
Flexible repayment terms subordinated to senior debt
Often paired with equity financing for strategic growth
What exactly is
Subordinated Debt
Subordinated Debt, or junior debt, is a financing option that ranks below senior debt in priority of repayment. Offering capital between $250,000 and $20,000,000, it provides businesses with the funds needed for growth initiatives while preserving ownership.
Sitting between senior debt and equity in the capital structure, subordinated debt offers higher flexibility, fewer covenants, and tax-deductible interest payments. This form of financing often comes with higher interest rates due to its higher risk but remains a cost-effective alternative to equity.
Submit Financial Information
Submit financial information and growth plans for lender evaluation.
Underwriting
The lender assesses financial health and potential for growth.
Structuring
Negotiate terms like interest rate, maturity, and potential equity components.
Funding
Receive a lump sum of capital upon agreement.
Benefits of
Subordinated Debt
Access substantial capital while maintaining full ownership and control.
Fewer covenants and restrictions compared to senior debt.
Interest payments are typically tax-deductible, reducing overall financing costs.
Optimize financial ratios and unlock additional borrowing capacity.
Subordinated debt is ideal for funding strategic acquisitions without diluting equity.
Technology and Software
Supports market expansion, product development, and acquisitions.
Healthcare
Funds facility expansions, equipment purchases, and acquisitions.
Manufacturing
Finances equipment upgrades and increased production capacity.
Business Services
Enables geographic expansion and acquisition of complementary businesses.
Consumer Products
Supports brand development, inventory scaling, and marketing initiatives.
Energy and Infrastructure
Finances long-term development projects and operational scaling.
Telecommunications
Funds network expansion and technology upgrades.
Specialty Finance
Provides additional lending capacity to finance companies.
Get the funding you need to
grow your business.
We are here to support your business growth with tailored financial solutions that work for you. Let's partner to support your vision.
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FNCR connects small businesses to lenders for fast and flexible financing.
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