Private Credit for Mid-Market & Growth Companies

As companies grow, their financing needs outgrow off-the-shelf products. A $5 million acquisition, a recapitalization, a leveraged growth plan, or a complex situation that does not fit a bank’s rigid credit box requires capital that can be shaped to the deal. That is the role of private credit: customized debt provided directly by specialized lenders rather than banks or public markets.

Private credit has become one of the most important sources of capital for the middle market precisely because it is flexible and decisive. A direct lender can structure a facility around your specific situation, move quickly, and deliver certainty of close — without the syndication risk, rigid covenants, and slower timelines of traditional bank or public debt.

Martimus Financial connects established and growth-stage companies with private credit capital for substantial, structured needs. We help you frame the request, reach the right direct lenders, and negotiate a facility built around your objectives — not a template.

What Is Private Credit?

Private credit refers to debt financing provided by non-bank lenders — private credit funds, direct lenders, and specialty finance firms — directly to companies, outside the public bond and broadly syndicated loan markets. Because these lenders hold the loans themselves, they can underwrite to the merits of a deal and structure terms with far more flexibility than a bank operating within standardized credit policies.

Private credit spans a range of structures, including:

• Senior Debt: First-priority loans, often the lowest-cost layer of a private credit facility.
• Unitranche: A single blended facility combining senior and subordinated debt — simpler and faster to close than layered structures.
• Mezzanine / Subordinated Debt: Junior capital that sits between senior debt and equity, often used to fund growth or acquisitions without heavy dilution.
• Structured & Specialty Facilities: Bespoke arrangements designed around a specific asset base, cash-flow profile, or transaction.

The defining feature across all of these is customization: private credit is negotiated and structured to fit the company and the situation, not forced into a fixed product.

Who Is Private Credit For?

Private credit is built for established, sizable companies with substantial, structured financing needs — situations where standard small-business products are too small or too rigid.

Direct lenders evaluate your cash flow, enterprise value, assets, and the strength of the transaction or growth plan the capital supports. Companies with solid, demonstrable cash flow or a compelling, well-documented plan are strong candidates. Private credit is frequently used by businesses pursuing acquisitions, owners executing a recapitalization or partial buyout, and management teams funding ambitious growth — all situations that reward a tailored structure and a lender who can move with conviction.

Common Uses for Private Credit

• Acquisitions: Fund the purchase of a competitor, supplier, or complementary business.
• Growth Capital: Finance major expansion, new facilities, or a step-change in capacity.
• Recapitalizations: Restructure the balance sheet, take chips off the table, or buy out a partner.
• Refinancing: Replace existing debt with a more flexible, better-structured facility.
• Management Buyouts: Support a team acquiring the business they run.
• Special Situations: Address complex needs that do not fit conventional lending boxes.

Private Credit Structures

Ranges shown are illustrative. Structure, pricing, and terms are negotiated per transaction and depend on cash flow, assets, deal profile, and current conditions. Not a commitment to lend.

Benefits of Private Credit

• Customized Structure: Terms shaped around your company and transaction rather than a fixed template.
• Speed & Certainty: A single direct lender can decide and close faster, without syndication risk.
• Flexible Covenants: Covenant packages tailored to your business, often lighter than bank requirements.
• Larger Capacity: Access substantial capital for major transactions and growth.
• Limited Dilution: Achieve objectives with debt or hybrid structures rather than giving up significant equity.
• A Long-Term Partner: Direct lenders often support follow-on needs as you continue to grow.

Potential Considerations

• Scale Required: Private credit is designed for larger, established needs. Smaller requests are better served by our other funding programs, and we will direct you to the right fit.
• Pricing vs. Bank Debt: The flexibility, speed, and certainty of private credit can carry a higher rate than the cheapest bank financing — the trade is structure and execution. We help you weigh it.
• Diligence Depth: Larger structured facilities involve thorough due diligence. Strong financial reporting and clear deal documentation make the process smoother and faster.

How to Pursue a Private Credit Facility

Frequently Asked Questions

Why Work With Martimus Financial?

Private credit is a relationship-driven, structure-driven market. The difference between a good facility and a great one lives in the details — the right lender for your sector and situation, the optimal structure, sensible covenants, and pricing that reflects your real risk. Navigating it without an experienced guide means leaving leverage, flexibility, and certainty on the table.

Martimus Financial helps you frame the request, reach the direct lenders who fit it, and negotiate terms that serve your objectives. From growth to acquisition to recapitalization, we structure private credit around where you are going. Start the conversation or call (919) 457-5200.

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