Specialty Finance A strategic partner for success.
Avidbank Specialty Finance provides creative financing solutions to emerging growth and established companies across the country. Utilizing decades of combined years of experience, we find innovative ways to finance your company through collaboration with a view to building value for our clients and long-term relationships.
We understand risk and can structure financing to meet your company’s needs for today and the future. We fund companies in many different industries including technology, medical devices and business services, as well as distributors and manufacturers. Our clients all have one thing in common – the need for a strategic financial partner who can appreciate the underlying value of their company and plan a credit facility that positions them for success.
Asset-Based Lending (ABL) Solutions
Our asset-based lending products provide greater access to capital and more flexibility than traditional lending. This is particularly useful in businesses where trading assets dominate the balance sheet (manufacturers, wholesalers, distributors, consumer packaged products and business services, to name a few).
ABL financing is ideal for manufacturers, wholesalers, distributors, consumer packaged goods companies, and business service providers. By leveraging assets such as accounts receivable, inventory, or equipment, businesses can secure the liquidity they need to drive growth, manage day-to-day operations, or execute strategic initiatives.
With our expertise and tailored approach, we help businesses of all sizes maximize their borrowing capacity and stay agile in a competitive marketplace.
Sponsor Finance
Our Sponsor Finance lending group works closely with private equity firms to provide cash flow-based senior debt financing to support buyouts/acquisitions, recapitalizations, refinancings, and growth capital to companies in a variety of industries. Avidbank works with businesses generating EBITDA of $1-10MM with strong margins, defensible market positions, and professional backing.
With deep experience in the sponsor-backed ecosystem, we provide flexible and customized loan structures that align with your investment strategy and timeline. Whether you’re funding an acquisition, recapitalization, or working capital needs, our solutions are designed to help your portfolio companies thrive at every stage of the investment lifecycle.
Our team works collaboratively with sponsors and their portfolio companies to ensure seamless execution, offering expertise across a wide range of industries. By partnering with us, you gain access to financing solutions that prioritize both operational agility and long-term success.
Sponsor Finance Loans
Our Sponsor Finance solutions support the unique needs of private equity (P/E) and venture capital (V/C)-backed companies. We understand the dynamics of sponsor-backed investments and offer customized loan structures to align with your goals.
Acquisition Term Loans
Our Acquisition Term Loans empower you to secure funding for strategic acquisitions and growth initiatives. Designed to fit the rapid timelines and financial requirements of sponsor-driven transactions, these loans provide the capital you need to expand your portfolio with confidence.
Recapitalization Term Loans
With Recapitalization Term Loans, we support financial restructuring to improve liquidity or adjust capital structures. Our expertise in recapitalization helps you achieve flexibility, stabilize your balance sheet, and unlock value to maximize returns for sponsors and investors.
Working Capital Lines
Working Capital Lines provide ongoing access to capital, allowing sponsor-backed companies to meet day-to-day operating expenses or invest in business growth. These lines are ideal for companies requiring a reliable source of liquidity to manage cash flow and seize opportunities as they arise.
Structured Finance
Avidbank’s Structured Finance division provides flexible, accounts receivable credit solutions designed without financial covenants for companies in industry verticals such as technology, life sciences, professional services, and consumer packaged goods. While many of our clients are venture-backed, we also have the ability to assist angel- and entrepreneur-backed companies. Our no financial covenant AR credit products can provide liquidity when a company is experiencing rapid growth, or is temporarily off plan. In either scenario, a reliable credit line is critical to the company’s success and our offerings are available to clients across the U.S.
Invoice Financing
Our entrepreneur-friendly invoice financing solution can be the right fit for companies that are growing quickly, tight on liquidity, and may have difficulty complying with restrictive financial covenants. The Avidbank invoice finance solution can accommodate concentration issues, as well as foreign and government AR. Our clients are often experiencing rapid growth and have need for an AR product that bridges working capital gaps.
Fusion
The Avidbank Fusion AR blends traditional borrowing base AR and invoice finance solutions, while maintaining the flexibility of a no financial covenant structure. This financing option is well suited for companies who may have a changing liquidity situation and desire access to their credit line in all circumstances with a structure appropriate to their current needs.
Avidbank Resource Portal
Avidbank offers its portfolio companies access to exclusive discounts and other benefits from third-party vendors in the Entrepreneurial Ecosystem that provide valuable services to support company growth.
Access Portal HereSpecialty Finance offers creative financing solutions.
Lending Products
Creative, individualized lending solutions.
Deposit Products
Secure accounts that work for you.
Treasury Management
Tools you need to grow your business.
