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PRIVATELY HELD COMPANIES

Financing Decisions Without an Internal Debt Capital Markets Team

Jannu Capital helps privately held companies evaluate financing alternatives, prepare for lender review, select relevant capital providers, and manage a disciplined financing process.

THE FINANCING CHALLENGE

Important Capital Decisions Often Sit Outside Day-to-Day Management

Privately held companies may encounter significant financing decisions only periodically—during an acquisition, refinancing, expansion, ownership transition, or liquidity event.

Management may understand the business deeply while having limited current exposure to lender mandates, financing structures, underwriting expectations, and private-credit market conditions.

Jannu provides focused support for those decisions without requiring the company to build a permanent internal capital markets function.

COMMON OBJECTIVES

Financing Aligned With the Company's Next Decision

Growth Investment

Capital for expansion, new locations, technology, equipment, product development, and other strategic initiatives.

Acquisition Financing

Debt capital supporting acquisitions, add-ons, ownership transitions, and strategic combinations.

Refinancing

A review of available alternatives when existing debt approaches maturity or no longer supports the company’s objectives.

Working Capital and Liquidity

Facilities supporting receivables, inventory, seasonality, operating liquidity, and changes in the company’s working-capital cycle.

Shareholder Liquidity

Financing considered in connection with recapitalizations, ownership transitions, or other shareholder-related objectives.

Asset-Supported Financing

Structures in which equipment, receivables, inventory, real estate, or other assets materially influence the available solution.

THE ADVISORY ROLE

A Structured Process From Assessment to Lender Engagement

Define the Financing Need

Clarify the amount, use of proceeds, timing, existing obligations, and management’s principal objectives.

Evaluate the Available Paths

Assess how cash flow, leverage, collateral, ownership, and flexibility requirements may affect the financing structure.

Prepare the Financing Case

Organize the information, narrative, strengths, risks, and principal questions likely to matter to prospective lenders.

Run a Targeted Process

Select relevant capital providers, coordinate controlled engagement, support management discussions, and maintain process discipline.

MANAGEMENT CONTROL

Informed Decisions Without Unnecessary Market Exposure

The company remains in control of information sharing, lender selection, commercial decisions, and whether to proceed.

Jannu coordinates the process, but management determines the company's objectives, approves outreach, presents the business, and selects the financing path it considers appropriate.

Independent advice should strengthen management's decision—not replace it.

CLIENT PROFILE

Where Jannu's Model Is Most Relevant

Jannu evaluates each inquiry individually. Company size alone does not determine whether an engagement is appropriate.

  • Lower-middle-market and middle-market companies

  • Founder-, family-, or management-owned businesses

  • Companies considering approximately $2.5 million to $50 million or more of financing, with selective exceptions

  • Businesses facing a material financing, acquisition, refinancing, liquidity, or ownership event

Advice and Process Support—Not Credit Approval

Jannu Capital does not make loans, commit capital, approve credit, provide legal or tax advice, handle funds, or guarantee financing.

Prospective lenders independently evaluate the company, conduct diligence, propose terms, and approve or decline a transaction.

CAPITAL INSIGHTS

Further Private Credit Guidance

Continue exploring Jannu Capital’s guidance on lender selection, market conditions, financing structures, and private-credit processes.

Private Credit Guide

Why Companies Choose Private Credit: Speed, Flexibility, Certainty, and Resilience

Learn why companies may choose private credit for faster execution, greater closing certainty, structural flexibility, and financing designed around business needs.

Private Credit Guide

How to Find the Right Private Credit Partner

Learn how companies evaluate private credit lenders based on financing size, industry, credit profile, collateral, ownership, structure, timing, and current lender appetite.

Evaluate Your Financing Opportunity

Provide a preliminary overview of your company and financing objective. Jannu Capital will assess whether the opportunity appears suitable for an initial discussion and identify the information required for the next stage.