The Refinance Engagement.

The Refinance Engagement is a fixed fee advisory mandate for operating businesses at $1,000,000 to $5,000,000 in gross annual revenue carrying merchant cash advance positions. It is built to produce 1 outcome: the daily debit stack retired through 1 clean monthly facility, with the business left bankable.

What the engagement covers

1. Diagnostic command. A full financial recast, a 13 week cash flow model maintained weekly, and a complete map of every position, lien, guarantee, and effective cost, delivered in the first 14 days.
2. Fundability and design. An institutional credit memorandum delivered as your property, business credit file remediation, and the target monthly facility structure with its consolidation path.
3. Placement advisory. Staged distribution to matched lenders, competing proposals, advisory through terms at zero points, and payoff and lien release coordination through funding.
4. Stabilization. A 12 month capital plan with guardrails against re stacking, treasury architecture, a trained handoff of the cash model to your staff, and 2 post engagement reviews.

How the engagement runs

The mandate is a 90 day fixed fee engagement, paid at execution by wire, with no success fees, no points, and no percentages on any facility placed. Because there is no commission behind the advice, the recommendation to take an offer, counter it, or walk away is exactly that: a recommendation, not a sales event. Every deliverable, from the memorandum to the models, becomes your property. Citadel Ridge accepts a strictly limited number of concurrent mandates, and scope and fee are delivered in a single mandate document after qualification.

The economics, straight

Daily and weekly debits at advance pricing commonly cost 2 to 4 times what institutional monthly financing costs, and firms that price debt work as a percentage of enrolled debt commonly charge well into 6 figures on a comparable stack. This mandate is priced as a fixed fee set at intake that does not scale with the debt load, and the payback arithmetic on a typical file is measured in weeks of reduced debt service, which we compute for your numbers before you sign anything.

To qualify

1. Gross annual revenue of $1,000,000 to $5,000,000.
2. 1 or more merchant cash advance positions, with the strongest fit at 3 or more.
3. Recent bank statements, financial statements, and a schedule of every position.