Supercharge Your Growth
Raise capital without giving up equity or losing control using accretive financing
the Capital Marketplace.
ACCREFI connects businesses with over +500 institutions across the
country that provide debt and other non-dilutive financing
for loans $2 million to $50 million in size
What can Accrefi do for you
Accretive Financing (ə-ˈkrē-tiv fī-nan(t)-sin or "accrefi" for short): forms of capital that grow a business's value without requiring the dilution of existing owners' equity or loss of control
Most companies talk to 3 to 5 lenders when seeking financing
Bring Lenders to
the Party
Leverage Accrefi's network and technology to connect with +500 institutions in North America to find the best fit for your company
Engage with Multiple
Parties at Once
We do the heavy lifting of reaching out, pitching, and fielding questions from multiple parties at once to save you time and optimize results
We Negotiate the
Best Deal For You
We are former bankers ourselves and have the inside knowledge to get you the best deal
Lead You Through
the Process
Feeling overwhelmed?
Don't worry, we got you.
Affordable
Pricing
You get best-in class pricing. We are transparent, fair, & affordable.
Good Rates. Better Terms. Best Solution
What does Accrefi do?
Which Loan is Right For You
Asset Based Loans
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For borrowers with significant assets including liquid, semi-liquid, and illiquid assets
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Does not require borrower to be EBITDA positive
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Loan size calculated as an advance rate on the asset value; advance rate depends on stability and liquidity of asset
Cash Flow Loans
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For borrowers with consistent EBITDA generation
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Loan size approx. 1.0 - 3.0x EBITDA
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Issued as term loans with 4-5 year maturities
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Different lenders will have varying amortization, pricing, and sizing parameters
Mezzanine Loans
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Second lien debt, like a home equity line for corporations
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For borrowers with +$4 million of EBITDA
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Increases debt capacity beyond standard cash flow loan by 1-2 turns (i.e. 1.0-2.0x EBITDA)
SBA Loans
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SBA loans are not issued by the SBA and cannot be applied directly from the SBA
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Borrowers must go through an SBA-designated lender
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Requires borrower to have positive EBITDA, but with more lenient parameters
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Up to $5 million size limit per SBA loan
Revenue Based Financing
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Revenue based financing (RBF) is repaid as the borrow makes future sales
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Often a faster and easier route to obtain financing
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Set up as a factoring facility, recurring revenue line, or other similar structure
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Loan size is determined as a ratio of annual sales (ranging from 0.25 - 1.5x)
Venture Debt
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Strong venture capital, private equity, or family office sponsor a prerequisite
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Does not require positive EBITDA
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Loan size structured as a ratio of most recent equity investment
Acquisition Loans
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Acquisition loans are purpose-specific loans and tend to have shorter maturities of 1-3 years
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In addition to traditional ABL and cash flow lenders, acquisition debt can be issued by special lenders that move quickly
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Loan sizes based on ratio of acquisition price
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A non-permanent solution
Equipment Financing
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Equipment financing is a branch of ABL
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Specialized lenders with specific industry or equipment knowledge are best suited for this type of financing
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Advance rates can vary widely from lender to lender and across equipment types