Debt Advisory
Credit, with certainty
Debt advisory for operating businesses raising above $2.5M. We build the lending file, present it only to lenders whose mandates fit, and manage the process to closing.
About the Firm
Representation on the borrower's side
Certus Credit represents businesses seeking financings above $2.5M. We work for the borrower, not the lender: preparing the file, running the process, and negotiating from an organized position.
Most owners finance their business a handful of times. Lenders do this every day. That asymmetry is what we correct. An engagement with Certus is advisory and defined in scope, set out in writing before any work starts.
Refinancing · Working capital · Equipment · MCA consolidation · Acquisitions
The Process
One file. The right lenders. A managed close.
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01
Assess
Understand the business, the existing debt, and the objective. We say plainly whether we can help before anyone signs anything.
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02
Prepare
Build the lending file: financials, collateral, and the narrative, organized the way underwriters read.
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03
Present
Present the file to the lenders whose mandates fit the situation. Never blasted to a list.
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04
Close
Compare terms, negotiate the structure, and manage the path to funding.
Lender Relations
We register mandates, not lists
Certus places financings above $2.5M, into the $75M range, across refinancing, working capital, equipment, MCA consolidation, and acquisitions. We register your mandate the way you underwrite it: sizes, sectors, collateral, and structures.
Files arrive prepared: financials, collateral, and the narrative organized the way your underwriters read. A file reaches you only when it fits the mandate. When it does not, you never see it.
Selected Transactions
Recent transactions
Selected transactions arranged by the desk. Borrower identities are not disclosed.
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Fuel and energy distribution
$68M
Senior acquisition facility
Platform and tuck-in acquisitions, with an accordion to avoid reopening the credit at each close.
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Specialty manufacturing
$24M
Subordinated debt, partner buyout
Retiring partner bought out across two tranches, with no outside equity introduced.
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Comic book publishing and distribution
$3.8M
Asset based revolving line
Inventory and receivable facility replacing an over advanced factoring position.
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Agricultural production and processing
$12.5M
Senior term and seasonal facility
Equipment fleet refinanced from five lenders, with a line sized to the crop cycle.
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Transportation and logistics
$2.6M
Working capital and advance consolidation
Stacked merchant advances consolidated into a single amortising facility.
In Their Words
In their own words
Remarks from business owners, in their own words. Names withheld, business type only.
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I wish I met you guys a little bit earlier. Honestly, when I saw the ad I was like, I'll sign with these guys today.
Founder, venture-backed marketing platform -
I really appreciate you guys really listening to me and understanding my vision. It's a rarity. I think it's great that you gave me the opportunity.
Founder, fire protection contractor -
I appreciate you guys being willing to talk to me in the first place, and that you feel like there's something that's going to be able to happen here. It has me breathing a little bit, which is really nice.
Owner, deli and catering business
Questions
Frequently asked questions
What do you arrange, and for whom?
Senior term loans, asset-based and receivable facilities, equipment finance, the consolidation of merchant cash advances into one term loan, bridge facilities and acquisition finance. For operating businesses in the United States with three or more years of history, raising above $2.5M, into the $75M range.
How long does it take?
An initial view on the file within 48 hours of receiving the documents. A term sheet typically three to seven days after the data room is complete. Closing runs 30 to 45 days from the term sheet, set by the lender's diligence and by how fast documents come back.
Will you contact my bank or my existing lenders?
No. The work is confidential from the outset. A mutual non-disclosure agreement is signed before any documents are exchanged, nothing goes to any lender until you have approved the lender list, and your bank and existing lenders are never contacted.
What will you need from me?
Financial statements for the last two to three years and the trailing twelve months, interim financials, tax returns, business bank statements, a debt schedule with every position and its contract, receivables and payables aging, and the entity documents. We issue the list after the assessment call; the sooner it comes back, the sooner the initial view.
I have merchant cash advances. Can you still help?
Yes. Consolidating stacked advances into one monthly term loan is one of the things we do most. Every advance is paid off in full at close from the proceeds, each MCA company's UCC filing is terminated in the payoff, and the business goes back to one payment it can plan around. It is a term loan, not another advance.
Get in Touch
Every engagement starts with the file
We take a limited number of engagements at a time to keep every process disciplined. Start with the short enquiry: the business, the debt, the objective. We will tell you plainly whether we can help.
- 01A short enquiry: the business, the debt, the objective.
- 02An assessment call, usually within one business day.
- 03A written assessment: how the file reads, what to fix, which lenders fit.
Direct: (773) 900-4436 · contact@certuscredit.com
Certus Credit arranges and manages financing processes. Credit decisions rest with lenders, and no outcome is guaranteed.