Strategic debt placement isn’t just about securing capital; it’s about getting the right capital, structured the right way, at the right time.
REAG’s Debt Placement service helps entrepreneurs and PE firms move beyond transactional financing to strategic capital advisory. We work alongside your business strategy to build structures that optimize your financing, support your objectives, drive growth, and protect operational flexibility.
If traditional lenders have declined your request or senior debt leaves a funding gap, we access the private credit and mezzanine markets most advisors can’t reach.
We work with companies in the $2M–$25M EBITDA range — the lower middle market segment where financing is complex and one-size-fits-all doesn’t work. Strategic planning determines what needs to be done, whether that’s an acquisition, growth initiative, recapitalization, or asset purchase. Debt placement ensures you have the right capital to make it happen.
Understanding your business, strategic objectives, capital needs, and determining an effective financing structure. What debt level makes sense? What lender types align with your profile?
Building comprehensive models that show multiple scenarios such as base case, upside, downside, and stress-testing under different conditions. What covenant packages are realistic? What capital structure is sustainable?
Identifying which lenders fit your profile and preparing the materials that build confidence.
Managing lender relationships, optimizing terms and covenants, coordinating closing. We stay involved throughout to ensure your capital structure performs as designed.
We don’t just shop your financing request to lenders. With experienced lenders and underwriters on staff who bring 25+ years across government guaranteed lending, commercial lending, non-bank financing, and private credit markets, we model comprehensively — stress-testing scenarios, analyzing debt service coverage, identifying optimal capital structures — and package opportunities in ways that maximize approval success.
We understand exactly what lenders need to see because we’ve sat in their chairs. Lenders receive professionally prepared analysis from people who speak their language and know their criteria.
Our extensive network spans traditional banks, family offices, private debt funds, mezzanine lenders, and alternative capital sources. This insider perspective and rigorous preparation typically results in better terms, faster approval, and capital structures built for their evaluation standards from day one.
Capital choices impact your ability to execute strategy, achieve EBITDA targets, accelerate growth, and maintain operational flexibility. This isn’t a siloed decision; it affects your overall business success.
Most financing challenges aren’t solved with senior debt alone. We structure complete capital solutions — senior debt, junior capital, mezzanine financing, subordinated debt — to fill funding gaps that single lender sources can’t bridge.
The growth in alternative debt markets means more options exist than ever before, but accessing them requires knowing which providers fit which deal profiles, and how to layer capital sources effectively.
Whether your request has been declined by traditional lenders or you simply need more capital than senior debt provides, we tap into institutional private credit, mezzanine funds, subordinated lenders, and alternative capital sources to complete your financing. This depth of capital market access and structuring expertise shows our sophistication without just claiming it.
We thrive on deals that fall outside standard bank lending boxes. Multi-company consolidations, management buy-ins with equity structure complexity, and creative financing mixes are where our expertise creates material value.
Acquisition Financing with Structural Complexity
Platform Consolidations
Asset Acquisitions & Expansion 
Deals Outside Traditional Lending Parameters
Non-Standard Financing Scenarios First-Time Acquirers Properly structured debt typically achieves competitive rates and favorable covenant packages, not because we negotiate harder, but because the structuring is rigorous and clear. When deals are modeled with precision, approval becomes more certain and closing more predictable. By eliminating surprises, we accelerate approval timelines.
Strategic covenant packages and appropriate debt levels mean you can manage your business without constantly fighting lender restrictions.
We structure capital strategically — not just exploring senior debt, but junior capital, mezzanine financing, subordinated debt, and equity-like instruments when needed. Whether combining government guaranteed lending with conventional bank debt, layering senior and junior tranches, or accessing private credit and mezzanine funds to fill funding gaps, we tap into the full spectrum of capital markets.
This is particularly valuable when traditional lenders decline your request or when senior debt alone leaves a funding shortfall.The dramatic growth in alternative debt markets means sophisticated capital solutions exist for deals that don’t fit bank boxes. Our experts know how to access them and structure them effectively.
Strategic Planning helps you determine what to do – sell, acquire, expand, recapitalize, restructure, or purchase assets. Debt Placement executes the financing strategy to support your plan.
Many clients benefit from both services. Some come to us with a specific financing need in motion. Others work with Strategic Planning first to explore options, then move to Debt Placement when a strategy is identified.
Either way, our team stays aligned on capital strategy, risk management, and long-term vision.
Are you a family office, private fund, or institutional lender seeking quality middle market deal flow?
REAG partners with select capital sources to match professionally structured transactions with appropriate financing partners. Our rigorous underwriting and financial modeling deliver the deal quality and preparation institutional lenders expect.
Family offices seeking direct lending and private debt opportunities. Private credit funds and direct lenders focused on middle market. Non-bank institutional lenders with flexible capital structures. Mezzanine and subordinated debt providers. Unitranche and one-stop financing sources. SBIC funds and alternative capital providers
Our financial rigor means you receive professionally prepared investment opportunities with realistic projections, clear risk profiles, and strategic clarity, not optimistic spreadsheets. We focus on building long-term relationships with capital partners who value quality deal preparation and disciplined underwriting.
We’ll assess your situation, explore what’s possible, and outline how strategic debt structuring can support your business.
Call us at 833-333-REAG (7324) or email info@reag.com
A broker connects borrowers to available lenders. We structure optimal debt solutions through comprehensive financial analysis, deep lender relationships, and integration with your overall strategy. The difference shows up in outcomes: better economics, faster closings, and capital structures that actually support your business plan rather than constrain it.
From initial engagement to funding, depends on your unique situation. The three most influential factors are deal complexity, lender availability, and how quickly you can provide quality financial information. Properly structured deals with solid information move faster.
Yes. Government guaranteed lending (including SBA, USDA, SBIC, and other programs) is a source for some lower middle market transactions. REAG has deep relationships and expertise in government guaranteed lending structuring. We evaluate whether government guaranteed, conventional bank, non-bank lenders, private credit, or a mix of sources makes most sense for your specific situation.
Absolutely. This is one of our specialties. We regularly combine term loans + revolvers, seller financing + bank debt, or add sale-leaseback components. Multi-source structuring often solves problems single lenders can't.
This is where our depth of capital market access creates real value. We analyze the feedback, restructure if needed, and tap into alternative debt markets—private credit funds, mezzanine lenders, subordinated debt providers, family offices, and non-bank capital sources. The growth in alternative lending means deals declined by traditional banks often find success in other markets. We also structure junior capital and mezzanine layers to fill funding gaps that senior lenders won't cover. It's about matching your deal to the right capital sources and structuring the complete capital stack, not just senior debt.
Our primary focus is structuring and closing. That said, we maintain lender relationships and can support post-close challenges (covenant management, refinancing, structure adjustments) if needed.
Ideally once you have a specific initiative in motion or are seriously exploring acquisition, recapitalization, growth, or asset purchase options.
Whether acquiring a business, purchasing equipment, buying commercial real estate, or refinancing your balance sheet, the earlier you engage, the better we can integrate debt strategy with your overall business plan.
Yes. Many clients benefit from both services working together. Strategic Planning helps you identify opportunities, Debt Placement executes the financing strategy. Other clients come with a specific financing need already identified and only need debt advisory. We adapt to your needs.
This is common, especially for acquisitions with higher leverage or businesses that don't fit standard bank underwriting. We structure complete capital stacks by layering senior debt with junior capital, mezzanine financing, or subordinated debt to bridge the funding gap. The growth in alternative debt markets provides more options than ever—private credit funds, mezzanine lenders, institutional direct lenders—and we know how to access and structure these sources effectively. If you've been declined by banks or face a funding shortfall, we tap into markets most advisors don't reach.
Call us at 833-333-REAG (7324) or email info@reag.com
See what our clients say about us
ChemMasters
“Our deals would not have been completed so smoothly without the contributions of REAG. We’ve been with them for some time and what sets them apart is Jaclyn’s ability to develop and manage new relationships with sellers and Scott’s ability to navigate roadblocks that would otherwise jeopardize a deal. They have been fantastic to work with.”
ChemMasters
ChemMasters
“Our deals would not have been completed so smoothly without the contributions of REAG. We’ve been with them for some time and what sets them apart is Jaclyn’s ability to develop and manage new relationships with sellers and Scott’s ability to navigate roadblocks that would otherwise jeopardize a deal. They have been fantastic to work with.”
Schedule a discovery call with our senior advisory team so we can understand your needs.
Proud Supporter of
© River’s Edge Alliance Group, LLC. | 2026 All Rights Reserved. | Accessibility Statement | Privacy Policy |Terms and Conditions
