Refinance Strategy

CFA provides financial advisory services to middle-market businesses, working closely with clients to devise the appropriate capital structure to support their ownership requirements and growth strategies. By having experienced professionals devoted exclusively to the financing needs of middle market businesses, CFA is able to offer its clients access to the premier institutional debt and equity sources. CFA maintains relationships with private equity firms, venture capital firms, factors, banks, leveraged buyout funds, mezzanine lenders, insurance companies, and finance companies. We assist our clients in structuring the terms of the financing, addressing inter-creditor issues, coordinating investor/lender due diligence, and working with all parties towards a successful closing.

Types of Financing

Growth Financings

Many middle market companies need capital to help finance rapid internal growth or growth through acquisition. CFA assists companies in developing comprehensive, achievable growth strategies. We advise our clients on appropriate capital structures which involves recommending strategies for a mix of debt and equity, balancing the concerns of over-leverage with the concerns of ownership dilution. We can assist platform companies in arranging the necessary financing to fuel the rapid expansion through an industry consolidation.

Family Succession Strategies

CFA can help family owners structure a financing with outside capital that allows the senior members to achieve liquidity and satisfy their estate planning objectives, ensuring that the company has adequate capital to meet its long-term growth strategies while maintaining family ownership.

Management Buyouts

CFA helps operating managers acquire companies from their present owners. Managers often lack the necessary capital to acquire the company from the selling shareholders. CFA will recommend strategies to finance the acquisition. We work with management to structure a financing solution that provides the company with the proper blend of debt and equity to consummate the acquisition and to provide sufficient working capital to support future growth.

Debt Refinancing

CFA assists client companies in securing appropriate financing to support the current and projected operations of their businesses. We maintain relationships with local, regional and money center banks for traditional loans, but also work closely with a significant number of non-traditional lenders including cash flow lenders, asset-based lenders, factors, equipment leasing companies and sale/lease-back companies. CFA is also capable of introducing structuring lending sources that provide mezzanine financing in situations where the funding requirement cannot be completely fulfilled by a senior lender.

Recapitalizations

Financing often requires the owner's personal guarantee. CFA assists owners in completing a financing transaction that allows them to retain operating control of their companies but provides personal liquidity, net worth diversification, and the elimination of personal guarantees on financing. In the process they gain a financial partner that can assist in growth and diversification strategies for the company, as well as potential exit strategies for the owner.

Call your nearest CFA office to secure the capital resources you want.