Cole Place Capital

Business Lending: A Straightforward Approach

Cole Place Capital offers sensible financing for U.S. businesses. We provide capital to established small and mid-sized companies to help them grow, make acquisitions, or manage their finances effectively.

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Our Approach to Lending

We tailor our lending to what a business actually needs. This might be a straightforward senior loan (often the main loan a business takes, usually secured by company assets), mezzanine financing (a mix of a loan and potential ownership, for bigger steps), or financing based on a company's revenue or assets. The goal is to provide useful capital in a clear way.

What We Look For in a Lending Partner

We look for certain qualities in the businesses we lend to. These are general guides, and we consider each business individually.

Annual Revenue$2 Million - $50 MillionWe look for established businesses with a proven history of sales.
EBITDA (Earnings)Positive / Clear PathThe business should be profitable or have a sensible plan to become so.
Industry FocusMost Operating BusinessesWe generally don't invest in real estate speculation or certain types of financial firms.
Use of FundsGrowth, Buying Another Business, Refinancing, EquipmentThe loan should be for a clear, strategic purpose that helps the business.
Management TeamStrong & ExperiencedWe look for capable leaders who understand their business and have a clear vision.
GeographyUnited StatesOur focus is on companies based in the U.S.
Business ModelProven & UnderstandableWe prefer businesses with straightforward operations that are sustainable.

Our Lending Options

We offer several types of loans, designed for different business situations.

Senior Debt
This is often the main loan a business takes, usually secured by company assets. It’s for established companies needing stable capital for growth or refinancing, typically offered with clear, fixed terms.
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Mezzanine Financing
This type of financing fits between a senior loan and an owner's stake. It's for bigger steps like major expansions or buying out shareholders when a senior loan alone isn't enough. It can involve a loan combined with a small potential ownership piece.
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Revenue-Based Financing
Get capital based on your future sales, without giving up ownership or facing typical loan restrictions. You repay a small percentage of your monthly revenue until a set amount is reached. Good for businesses with steady, predictable income, like software companies.
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Asset-Backed Loans
Use your company’s physical assets (like equipment or inventory) to get a loan. This is a direct way to pay for new machinery, manage cash flow, or use the value of what you already own. Suited for businesses like manufacturing or distribution.
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