The Placement Engagement.

The Placement Engagement is a fixed fee advisory mandate for operating businesses at $5,000,000 to $10,000,000 in gross annual revenue seeking an institutional credit facility of $2,500,000 to $5,000,000. It is built to produce a funded facility at competitive pricing, with zero points and the owner's personal exposure contained.

What the engagement covers

1. Structure and design. Financial recast, 3 scenario projections, collateral and debt capacity analysis, and a target capital stack priced by layer before the market is approached.
2. Lender package. An underwriting grade credit memorandum and full model set, owned by you regardless of which lender funds or whether any does.
3. Market and negotiation. Staged confidential distribution to 15 to 25 matched institutional lenders, competing term sheets compared side by side, negotiated economics, personal guarantee caps with release triggers tied to covenant performance, and a backup lender held on executable terms through close.
4. Close and forward plan. Diligence and document management through funding, a covenant compliance calendar, and a 24 month capital roadmap for the facility after this one.

How the engagement runs

The mandate is a 120 day fixed fee engagement, paid at execution by wire, with no success fees, no points, and no percentages on the funded amount. Conventional placement compensation runs 2 to 4 points, which on facilities of $3,000,000 and above is $90,000 to $200,000 paid at close. Here the fee is fixed, the placement carries zero points, and the entire deliverable set is your property regardless of outcome. Scope and fee are delivered in a single mandate document after qualification.

The part owners care about most

The personal guarantee. Most borrowers accept the lender's standard guarantee because nobody at the table works for them. This engagement negotiates guarantee architecture into the facility itself: caps, burn down and release triggers tied to covenant performance, and carve out boundaries, so personal exposure shrinks as the business performs.

To qualify

1. Gross annual revenue of $5,000,000 to $10,000,000.
2. A facility need of $2,500,000 to $5,000,000 for refinance, growth, equipment, real estate, or acquisition.
3. 2 to 3 years of financial statements, interims, a debt schedule, and bank statements.