We analyze how your business is actually capitalized today, then qualify, structure, and execute the shift to capital that fits where you're headed. We don't stop at the diagnosis. We stop at closing.
We map how your business is capitalized today: the real estate, the equipment, the balance sheet, and where it's costing you flexibility.
We identify which capital structures and investor types actually fit your business, without you burning relationships finding out the hard way.
We build the capital stack and transaction structure so it solves the actual problem, not the closest available product.
We manage it through to close, working directly with your existing bank and counterparties.
Running two, three, or more locations and thinking about the next one. Acquiring a competitor to boost revenues. Growth has outpaced the financing structure that got you here.
Outgrown the lender relationship that made sense five years ago, but hasn't had the bandwidth to fix it. Reacting to your bank instead of directing the relationship.
Ownership is moving, to the next generation, a partner, or a buyer, and the capital structure needs to hold up through the handoff, not complicate it.
Real estate or equipment owned outright, sitting on the balance sheet pressuring cash flow and stagnating. Capital that could be working for growth and wealth is standing still instead.
Four quick questions. See what applies to you before you ever talk to us.
Have you grown, acquired, or expanded since your current financing was put in place?
Has something changed at your bank, like a call, a covenant, or a maturity, that's putting you on the back foot?
Is ownership expected to shift, whether to a partner, the next generation, or a buyer, in the next few years?
Do you own real estate or equipment outright that isn't doing anything for you financially?
Illustrative example. Not an actual client.
A manufacturing operator running two facilities wanted to add a third without pulling from working capital or taking on conventional acquisition debt. This is the kind of situation Cobalt is built to solve. The approach: analyze the operator's existing real estate holdings, qualify a structure that converts owned equity into deployable capital, and execute alongside the client's existing bank relationship, funding the expansion without touching the balance sheet's debt capacity.