Capital raisingDebt financing
Debt financing for acquisitions, expansion, equipment and working capital, structured around how the business generates cash. We size the facility, build the lender package and run the process from introductions to closing.
When debt fits
Debt is the cheapest capital a business can raise when the cash flow can carry it. The work is in matching the facility to the need.
Senior and subordinated debt, alongside vendor financing and equity, sized to what the combined business can service.
A new facility, location or production line funded with a term loan whose repayments start when the investment produces cash.
Equipment loans and leases matched to the useful life of the asset.
Revolving lines, receivables and inventory facilities for seasonal cycles, large orders or slow-paying customers.
Replacing expensive or restrictive debt, extending maturities or consolidating lenders as the company matures.
A bridge loan ahead of a sale, an equity round or a refinancing, with an exit the lender can see.
How we help
Debt advisory for founder-led, family-owned and investor-backed companies in Vancouver. We bring a corporate finance view to the structure, then manage the process with lenders from introduction to closing.
Medium- and long-term loans for major investments or refinancing, with repayment terms aligned to cash flow and the growth outlook.
Facilities from lenders that specialize in receivables and inventory, for seasonal cycles, large purchase orders or delayed customer payments.
Secured and unsecured revolving facilities that give the business a liquidity buffer, with covenants it can meet.
Capital secured on equipment, real estate, receivables or inventory, for companies with strong balance sheets and short-term liquidity needs.
Introductions through our network of Canadian banks, private lenders and credit funds, and support from term sheet negotiation to closing.
Models and lender-ready materials that show borrowing capacity and repayment ability, with sensitivity analysis, covenant testing and downside scenarios.
Lending in Vancouver
Vancouver companies borrow from a wide market: the commercial banking teams of the major banks, British Columbia’s credit unions, BDC, asset-based lenders, private credit funds and family offices. Lending decisions rest on cash flow, security and the quality of the information, and each lender weighs them differently.
Over the years we have built relationships with Canadian banks, non-bank lenders and private credit funds, so we know which lenders are active, what they look for and how to present a company to them. We also move quickly when a financing is time-sensitive.
Most senior lenders size a loan on EBITDA and debt service coverage. A normalized view of earnings, with one-time costs explained, can change how much a company is able to borrow.
Many Vancouver owners hold significant real estate inside or alongside the business. It can support a larger or cheaper facility, but it should be structured so the operating company is not overexposed.
Buyers of private companies often combine senior debt with vendor take-back financing and an earn-out. Lenders look closely at how the pieces fit and who bears the risk if the forecast is missed.
A covenant package written for a stable year can be tripped by a seasonal dip or a large project. We model covenants against downside cases before you sign, not after.
Our view
Debt is a commitment to a schedule. It works when the repayments, covenants and security match how the business earns, and it becomes a constraint when they do not.
We approach every financing as part of the capital structure rather than a single loan. That means modeling the downside before the upside, and choosing the lender whose terms fit the plan, not just the one with the lowest rate.
Watch: Fractional CFO for Growth
How an engagement works
Timing depends on the size and complexity of the facility and each lender’s credit process. You receive a written proposal with the scope, stages and fee before any work begins.
Need equity as well as debt? We can structure both, including mezzanine and venture debt, as part of one plan.
Planning a financing in the next six months?
Selected clients
Frequently asked questions
Borrowed capital repaid with interest over an agreed term, such as a term loan, a line of credit or an asset-based facility. Unlike equity it does not dilute ownership, but it adds fixed obligations and covenants.
Most lenders start from cash flow, usually a multiple of EBITDA and a minimum debt service coverage ratio, and then look at the security available. We model what lenders are likely to support before any approach.
No. We advise the borrower and work with banks, credit unions, BDC, private lenders and credit funds to find and structure the right facility.
Recent financial statements and interim results, a forecast, details of existing debt and security, and a clear explanation of what the money is for and how it will be repaid.
A facility secured on receivables, inventory, equipment or real estate, where the amount available moves with the value of the assets. It suits companies with strong balance sheets and uneven cash flow.
Yes. We structure senior debt, vendor financing and equity for acquisitions, alongside our M&A advisory and financial due diligence work.
It depends on the scope. After a first conversation we send a written proposal setting out the scope, the stages and the fees, so the cost is clear before any work begins.
No. Vancouver is our home base, and we work with companies across British Columbia and Canada, and with lenders across Canada and the U.S.
Have a question that isn’t covered here? Ask us directly.
Related insights
Start a conversation
Tell us what the financing is for, how much you need and when. We will come back with the questions that matter for your situation.
What happens next
Office
Alphabridge Group Inc.555 Burrard StreetVancouver, BC V7X 1M8
We use your details only to respond to your inquiry.
Whether it is a deal, a raise, a valuation or the way the business is run, we are glad to talk it through.
vasant@alphabridge.co
+1 778 903 4883
Five practices, organized around the decisions our clients face.
Sector depth across the businesses we advise, from early-stage ventures to established operators.
Perspectives on transactions, valuation, capital, performance and strategy.
An independent strategic finance firm, founded in 2016 and led by its principal on every engagement.
