OUR CAPABILITIES
Diagnose. Structure.
Prepare. Coordinate.
A commercial finance and capital rehabilitation practice organized around client problems, rather than a single provider or product.
Discuss your capital needs
BUSINESS & SPECIALTY FINANCE
Business & Specialty Finance.
Explore the scope, relevant situations and evidence required for each capability.
Working Capital & Term Credit
Cash-flow timing, expansion expenditure and maturing debt require different financing structures. VCP examines the actual need before considering a revolving facility, term loan or a combination of both.
Explore ↗Receivables & Factoring
A company can have strong orders and reliable customers while cash remains tied up in unpaid invoices. Receivables financing and factoring are assessed around the quality of the invoices, the customers and the way the business collects.
Explore ↗Asset-Based Lending
Asset-based lending can combine eligible receivables, inventory and, where appropriate, equipment into a structured borrowing base. The useful question is how much dependable availability the business can sustain through its operating cycle.
Explore ↗Purchase Order & Trade Finance
A purchase order is the start of an execution chain: sourcing, production, shipment, acceptance and collection. VCP evaluates that chain to identify where financing is needed and whether the transaction economics support it.
Explore ↗Equipment & Productive Asset Finance
Machinery, vehicles, production lines and technology equipment can change what a company is able to deliver. VCP evaluates acquisition financing, leases, refinancing and selected sale-leaseback possibilities against the business case for the asset.
Explore ↗Acquisition & Ownership Transition
A business acquisition involves more than the purchase price. VCP examines the target, the buyer, the operating transition and the capital needed after closing to support a credible acquisition financing request.
Explore ↗SBA Financing Assessment
For eligible businesses, SBA-supported financing may be a relevant pathway for acquisitions, working capital, equipment or owner-occupied commercial property. VCP assesses the request and documentation for discussion with appropriately participating lenders.
Explore ↗
PROPERTY & DEVELOPMENT
Property & Development.
Explore the scope, relevant situations and evidence required for each capability.
Commercial Real Estate
VCP assesses acquisition, refinancing, recapitalization and bridge financing for entity-owned commercial assets. The financing structure must reflect the property’s present cash flow, sponsor resources and the business plan for the asset.
Explore ↗Rental & Investor Real Estate
Entity-owned investment rentals, rental portfolios and selected rehabilitation projects require a financing plan tied to occupancy, operating costs and the sponsor’s strategy. VCP reviews the property economics alongside ownership and guarantor information.
Explore ↗Construction & Development
Construction financing has to support a sequence, not just a budget total. VCP examines sponsor equity, approvals, project costs, draw timing and the conditions needed for completion, lease-up and the eventual financing exit.
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RECOVERY & ADVISORY
Recovery & Advisory.
Explore the scope, relevant situations and evidence required for each capability.
Business Recovery & Capital Rehabilitation
A viable business can lose access to capital because its obligations, financial presentation or cash cycle no longer support a workable financing structure. VCP assesses the full situation before recommending new debt or a recovery pathway.
Explore ↗Debt Restructuring & Workouts
Layered debt, covenant pressure and upcoming maturities can obscure the real financial position. VCP organizes the debt picture and coordinates financial preparation for potential modification, refinancing or specialist-led workout discussions.
Explore ↗Commercial Real Estate Workouts
A commercial property can encounter distress even when its underlying business plan remains viable. VCP reviews the property, sponsor and debt position to prepare a realistic refinancing or workout discussion with relevant professionals.
Explore ↗Special Situations & Rescue Capital
Some viable businesses and assets do not fit a standard financing template. VCP assesses non-standard situations by separating the operating case, collateral support, creditor priorities and the path that could make an engagement executable.
Explore ↗Capital Readiness & Transaction Preparation
A potentially financeable business may still have incomplete records, inconsistent assumptions or a poorly defined capital request. VCP’s scoped preparation work organizes the evidence and identifies what must be resolved before approaching capital providers.
Explore ↗THE COMPLETE CAPITAL PROBLEM
The components must
work together.
An acquisition can need purchase financing, equipment funding and a revolving line. A distributor may need trade funding followed by receivables financing. A distressed property may require both a workout discussion and a refinancing assessment.
VCP considers the interfaces between facilities—security, repayment, timing and cash control—within the agreed mandate. The situation determines which specialists and financing counterparties belong in the plan.
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