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WATSON CAPITALPARTNERS

Funding Department

Capital Solutions Built Around the Deal

Watson Capital Partners helps business owners, investors, and operators access strategic funding solutions designed to support growth, acquisitions, working capital, refinancing, equipment needs, and complex capital stacks.

Our funding department reviews each opportunity, identifies the best structure, and helps position the borrower for the strongest available capital solution.

Whether a client needs a term loan, business line of credit, cash-flow-based financing, equipment funding, or subordinated debt layered behind senior financing, Watson Capital Partners works to structure the right capital around the business objective.

Our Business Funding Solutions

Structured for the business objective.

01

Subordinated Debt / Junior Capital

Subordinated debt is junior financing that can sit behind a senior lender in the capital stack. It is often used when a borrower needs additional capital but does not want to refinance or disrupt an existing senior loan.

Best Used For

  • Growth capital
  • Acquisition support
  • Refinance shortfalls
  • Working capital needs
  • Balance sheet liquidity
  • Closing gaps in a larger capital stack

General Program Profile

  • Funding size: $250,000 to $15 million
  • Terms: Up to 24 months
  • Designed for businesses with strong revenue and cash flow
  • Can be layered behind senior debt when properly structured
02

Business Term Loans

A business term loan provides a lump sum of capital that is repaid over time. This can be used for expansion, refinancing, working capital, debt consolidation, or strategic growth.

Best Used For

  • Business expansion
  • Working capital
  • Debt consolidation
  • Refinancing existing obligations
  • Growth initiatives
  • Short- to mid-term capital needs

General Program Profile

  • Funding available up to $15 million
  • Terms commonly range from 1 to 2 years
  • Weekly or monthly payment options may be available
  • No prepayment penalty options may be available depending on structure
03

Business Line of Credit

A business line of credit gives companies access to flexible capital they can draw from as needed. It works well for businesses that want ongoing access to working capital without applying for a new loan each time capital is needed.

Best Used For

  • Working capital
  • Payroll support
  • Inventory purchases
  • Seasonal business needs
  • Unexpected expenses
  • Growth opportunities

General Program Profile

  • Credit lines available up to $15 million
  • Draw funds as needed
  • Pay only on the amount used
  • Revolving structure may restore availability as balances are repaid
04

Cash Flow Financing

Cash flow financing is designed for businesses with strong revenue performance that need capital based more on business cash flow than hard collateral.

Best Used For

  • Fast working capital
  • Short-term opportunities
  • Growth capital
  • Operational needs
  • Businesses with strong deposits or revenue flow

General Program Profile

  • Financing available up to $15 million
  • Terms may range from 6 to 24 months
  • Daily, weekly, or monthly payment structures may be available
  • Same-day or expedited funding may be available for qualified borrowers
05

Equipment Financing

Equipment financing helps businesses purchase or lease equipment without paying the full cost upfront. This allows the company to preserve cash while still obtaining the equipment needed to operate or expand.

Best Used For

  • Construction equipment
  • Transportation equipment
  • Medical equipment
  • Manufacturing equipment
  • Commercial vehicles
  • Business machinery
  • Replacement or expansion equipment

General Program Profile

  • Financing available up to $15 million
  • Terms may range from 1 to 5 years
  • Purchase and lease options may be available
  • 100% financing may be available for qualified borrowers

General Funding Qualifications

While every deal is reviewed individually, many business funding programs are designed for companies with:

  • Annual revenue of $2 million to $100 million+
  • At least 1 year in business
  • Personal credit generally starting around 620+
  • Demonstrated cash flow
  • Clear business purpose for the funds

Final approval, terms, structure, and funding amount are subject to underwriting, lender approval, collateral review, business performance, and applicable program guidelines.

Start the conversation

Bring us the business objective.

Share the opportunity and our funding department will review structure, capital fit, and the strongest available path.

Submit Your DealSchedule a Consultation

Watson Capital Partners provides capital advisory, funding coordination, business-purpose financing support, and deal-readiness services. Watson Capital does not guarantee funding approval, credit approval, credit score improvement, loan approval, credit facility approval, construction approval, permit approval, down payment funding, or closing. All programs, terms, pricing, fees, retainers, credit facility approvals, and funding options are subject to underwriting, borrower qualification, collateral review, documentation, compliance review, capital partner approval, and applicable law. Credit, legal, tax, construction, engineering, architectural, and permitting matters should be reviewed by properly licensed professionals where required.