Commercial Finance

EPOCH Financing Solutions

EPOCH works with lower-middle and middle market companies to identify the best financing options for their businesses. Working in partnership with each client, we strive to develop a customized financing solution that will allow the company to best achieve its operating, financial and value-creation goals.

We believe a number of factors, including the flexibility and breadth of our approach, set us apart from other finance advisory firms and may make us the best choice for your firm.

First, ours is an advisory service so your company’s needs always come first. Our process is collaborative, and our primary goal is to get to know each client's business and its operational and financial goals in depth before recommending a financing option.

Second, we strive to develop a creative financing solution that is tailored to each client’s specific needs today and in the future. Whether a firm is seeking capital to finance future growth, complete capital projects, make an acquisition, restructure debt, or for some other need, we can help it develop the most appropriate capital structure and identify the most appropriate financing option. The best choice will depend on a range of factors, such as the proposed use of capital, the desired borrowing term, capital structure limitations, and company’s and industry’s growth prospects, to name a few.

Third, we have close ties with a broad range of lenders, enabling us to identify which, based on its industry expertise, financing capabilities and a variety of other factors, is the right fit for each of our clients.

Fourth, we work closely with each client throughout the financing process. We are there before, during and after a transaction is completed.

We encourage you to contact us and to begin a conversation about the financing options available to your firm, and to discuss how EPOCH can help your company to realize its full potential.

Uses of Capital

We work in partnership with each client to develop a financing solution that best suits its company’s needs, whether it is seeking capital to: 

  • Complete an acquisition
  • Finance growth
  • Support working capital requirements
  • Purchase equipment
  • Provide liquidity to shareholders and owners
  • Fund a leveraged or management buyout
  • Complete a recapitalization or balance-sheet restructuring
  • Refinance debt
  • Other special situations

Finance Options

EPOCH can provide a broad range of options for financial transactions, including: 

  • Senior debt
  • Second lien loans
  • Unitranche debt
  • Subordinated debt
  • Mezzanine or junior debt
  • Convertible debt
  • Term loans
  • Revolving lines of credit
  • Asset-based financing, including accounts receivable financing
  • Cash-flow based financing
  • Bridge loans and other short-term funding

Criteria

While EPOCH has the experience and flexibility to work with private and public companies of all sizes, our concentration is on North America-based lower-middle and middle-market businesses with:

  • Funding sizes of $1 million to $100 million plus
  • Seasoned, experienced management teams with strong entrepreneurial drive
  • Strong accounting systems and controls
  • A proven, sustainable competitive position
  • Well-defined growth opportunities
  • Sustainable or growing margins
  • Diverse products and customers
  • Favorable macroeconomic industry trends

Sectors Served

Our industry expertise is wide ranging, positioning us to serve leading companies in nearly any industry, including:

  • Business Products and Services
  • Consumer and Retail
  • Distribution
  • Energy
  • Financial Services
  • Food and Foodservice
  • Healthcare
  • Industrial and Manufacturing
  • Materials and Resources
  • Safety and Safety Products
  • Security, Defense and Government Services
  • Technology and Telecom
  • Transport and Infrastructure