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When your business earnings tell the story, BDC Capital provides term loans from $500,000 to $10 million based on your cash flow and debt service capacity—not just collateral.
We evaluate your business based on EBITDA, cash flow generation, and debt service coverage, not just the value of equipment and real estate on your balance sheet.
Senior or subordinated debt options that work with your existing capital structure, providing the flexibility service businesses and asset-light companies need.
Our cash flow loans support businesses investing in people, technology, and market expansion, the growth drivers that don't show up on a traditional collateral schedule.
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Professional services, technology companies, consulting firms, healthcare practices, and other service-oriented businesses with strong cash flow but limited hard assets find traditional lenders challenging. We understand your business model and lend accordingly.
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Not every successful business owns buildings and equipment. If your value is in people, intellectual property, customer relationships, or technology, our cash flow loans recognize and finance that reality.
When acquiring competitors or complementary businesses, cash flow loans provide the capital based on combined earnings power and synergies—not just the target company's collateral value.
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Rapidly growing companies often outpace their collateral base. Cash flow loans provide working capital for hiring, marketing, inventory, and expansion based on your ability to generate returns, not asset values.
Multiple loans with varying terms and rates complicate cash flow management. Our cash flow loans can consolidate existing debt into a single payment structure aligned with your business cash generation.