Debt financing for established businesses.
Flexible capital solutions for growth, acquisitions, equipment, refinancing, and working capital. Financing requirements generally from C$500K to C$50M+.
Vesentra works with established businesses seeking debt capital for growth, acquisitions, equipment, refinancing, and working capital. Through our financing relationships, we help assess suitable debt structures and connect businesses with banks, credit unions, private credit funds, asset-based lenders, and other capital providers suited to the opportunity.
We focus particularly on situations that are more complex, time-sensitive, growth-oriented, or not well served by a single traditional lending channel.
Primarily for established businesses with meaningful revenue, cash flow, or assets. Success-fee based. No upfront retainer.
Vesentra is not a bank or direct lender.
We act as the origination and relationship partner, helping understand the financing requirement, frame the opportunity appropriately, and connect the business with financing sources capable of underwriting the transaction.
One conversation. A properly framed opportunity. The right lenders.
Where a facility can sit.
Senior Secured
Term debt and revolvers against cash flow or assets
Asset-Based
Receivables, inventory, equipment and real property
Unitranche
Blended senior and junior economics within a single facility
Junior / Mezzanine
Subordinated capital where senior leverage is insufficient
The right structure is the one a lender will actually close.
Many financing processes break down because the opportunity is taken to the wrong lender or framed against the wrong credit criteria. We map the asset base and cash flow against what each lender group can underwrite, then take the file only to the groups with a real appetite for it.
- Cash-flow and asset coverage reviewed up front
- Structures matched to timeline, not to a product sheet
- Introductions limited to lenders with genuine appetite
Where the capital goes.
Acquisitions
Capital to fund add-ons, buyouts and partner redemptions.
Equipment Purchases
Financing against new or existing machinery and fleet.
Expansion & Growth
Facilities, new lines, geographic or capacity expansion.
Working Capital
Bridging receivables, inventory cycles and contract ramp-ups.
Refinancing
Replacing restrictive, maturing or mispriced existing debt.
Recapitalizations
Rebalancing the capital structure or partial liquidity.
Four steps, no noise.
Intake
A short call to understand the situation, timing and the amount of capital required.
Assessment
We review the financial profile and asset base to identify which debt structures are realistic.
Introduction
We introduce the business to lenders in our network suited to the structure and timeline.
Execution
We stay involved through term sheets, diligence and funding as the relationship partner.
Have a financing need?
Primarily for established businesses with meaningful revenue, cash flow, or assets. Success-fee based. No upfront retainer.