Financing solutions
Credit structured around the earnings of the business
For established companies with consistent operating performance, cash flow lending can provide capital without relying primarily on hard-asset value. We help align the structure with how the business generates and uses cash.
Where it fits
Put durable operating performance to work
Cash flow lending looks at the company’s ability to generate and retain earnings across business cycles, not one strong month or quarter.
01
Earnings-led underwriting
Evaluate financing around sustainable cash flow, leverage, coverage, and operating performance.
02
Versatile capital
Support growth, acquisitions, refinancing, recapitalizations, or other defined business needs.
03
Structure with context
Consider seasonality, concentration, working-capital demands, and ownership objectives together.
Related financing paths
Connect earnings capacity to the business objective
The relevant structure depends on the durability of cash flow, leverage profile, use of funds, and available support.
Growth Capital
Capital for expansion, strategic investment, teams, locations, and new capabilities.
Acquisition Financing
Financing for a defined business purchase, add-on acquisition, or ownership transition.
Recapitalizations
Reposition debt, liquidity, or ownership around the company’s next stage.
How Legacy Lending helps
Translate operating performance into borrowing capacity
We review historical and current results, adjustments, leverage, coverage, concentration, liquidity, and the intended use before shaping the financing path.
Normalize performance
Understand recurring earnings, material adjustments, seasonality, and recent operating changes.
Test leverage and coverage
Evaluate how much debt the business can support through a realistic range of outcomes.
Align repayment
Connect the facility, use of funds, and repayment profile to durable company cash flow.
Put operating performance to work
Share the objective and financial profile so we can assess whether a cash flow-based structure fits the business.
Financing is subject to application, underwriting, approval, eligibility requirements, and final documentation.