Investor money and lending arranged for private companies with plans to grow, acquire, or reshape who owns them.
The interest rate or the valuation is only part of what capital costs. Covenants, investor rights, reporting duties, and repayment dates decide how freely a company can move for years, so they deserve equal scrutiny.
Our first conversation is about purpose. Opening a new location, buying a competitor, paying out a retiring partner, or replacing an old loan each points to different sources of money, and the balance of borrowing and investment depends on how dependable your profits are and how much influence you wish to retain.
Next we put the company’s argument on paper and take it to lenders and investors who genuinely suit you, so they compete and the terms improve. Every proposal is set out clearly, alongside our recommendation.
Clients include family firms welcoming their first outside investor, growing businesses paying for expansion, and owners financing an acquisition or a partner buyout.
Private companies with a clear purpose for new capital.
You have a plan for growth and need capital that supports it without unnecessary strain.
There is a company you intend to buy, and the money needs to be secured before you put in a bid.
You hope to turn part of your stake into cash, or pay out a co-owner, without losing control.
Every source of money carries different costs and conditions. Once you have chosen, we run the process that secures it.
Outside investors take a smaller share and their money goes straight into the business, while control stays with you. We bargain over the valuation, the seats they get on the board, and the protections they ask for.
Suited to: expanding firms that want a backer rather than a new boss.
A buyout fund acquires control, and founders and senior managers usually roll a sizable stake into the new company. We line the funds up against each other on price, plans, and their record with management teams.
Suited to: founders ready to step back from control in return for a larger sale.
Term debt and revolving facilities from community, regional, and national banks, typically the cheapest money a company can raise. Bringing several lenders in at once keeps rates honest and covenants sensible.
Suited to: profitable firms with dependable cash generation.
Loans from specialist debt funds that can go further and decide faster than most banks. Every fee is laid out up front, so you can judge whether the flexibility is worth its higher price.
Suited to: businesses that need more than their bank is willing to extend.
Funding confirmed before you make an offer, so the seller can take the bid at face value. Loan documents and the purchase agreement move forward together from the first draft.
Suited to: acquirers with one target in view or several in mind.
Swapping out borrowing that has grown expensive, restrictive, or close to its due date for terms that match the company as it stands now.
Suited to: businesses whose borrowing no longer matches their size.
Expect three to six months from first meeting to funded. The stages, and where your input comes in, are below.
We settle why the company needs money, how much, and the split between loans and investor capital that your profits can sustain.
From you: your plans, recent figures, and your view on sharing control.
We prepare projections and a presentation for prospective lenders or investors,, with the difficult questions already addressed.
From you: time with your bookkeeper or finance lead.
Hand-picked banks, funds, or investors are approached under confidentiality. Meetings are booked and follow-up handled, with one shared deadline for everyone.
From you: a few presentations and the occasional site tour.
Proposals are set out on price, structure, and control, and the leading ones are asked to sharpen their terms.
From you: a decision on how much flexibility is worth paying for.
Final checks and legal paperwork, coordinated with your attorney and accountant, so the money arrives on the agreed date.
From you: prompt replies and sign-off on the finished documents.
What every company raising capital can count on.
A recommendation on the right type of capital, with our reasoning.
Several lenders or investors bidding for your business.
Every proposal set out clearly on cost and conditions.
We stay with you until the funds are received.
A loan leaves ownership untouched but has to be paid back, with conditions along the way. Investor money carries no repayments, though it means sharing ownership and a measure of control. We run the numbers on both for your company.
Lenders size a loan mostly on profits and cash generation, then weigh the quality of your customers and any collateral. We settle on a realistic figure before a single lender is contacted.
Only if you pick a majority deal. A minority investor holds a smaller share and usually wants a board seat and a say on major decisions.
Specialist lenders will often stretch further, bend more, and decide sooner than a bank. They charge for it, so it is worth doing only when those advantages unlock something valuable.
Roughly a quarter for a straightforward bank loan, and between four and six months for equity or more layered financing.
Recent years of accounts, a forecast you can defend, background on customers and leadership, and a plain explanation of where the money goes.
Usually, yes. A bank that already knows you tends to sharpen its offer once it sees credible competition.
A small monthly fee during preparation and a completion fee once the funds land, both agreed in writing on day one.
Send a short note on the company and the step you have in mind. One of our senior bankers will answer you directly, and your note stays strictly between us.
info@pemberton-row.com