Business Financing Solutions
Conventional Term Loans • Working Capital • Partner Buyouts • Expansion
Cornovus Capital structures business financing solutions for established companies seeking conventional term loans, partner buyouts, recapitalizations, equipment financing, or working capital to support growth and expansion. Our platform delivers lender-aligned underwriting, financial modeling, and packaging support designed for precision, speed, and execution certainty.
Through institutional partnerships and national bank relationships, Cornovus Capital provides access to tailored commercial and industrial (C&I) financing solutions for small and middle-market companies — integrating debt structuring, collateral optimization, and credit alignment across industries.
Typical Business Loan Terms
| Loan Types | Term loans, working capital lines, equipment, owner-occupied and investor real estate financing |
| Loan Size | $1 million – $25 million+, depending on collateral and credit profile |
| Amortization & Term | 3–10 years typical; up to 25 years for owner-occupied real estate |
| Rate Structure | SOFR or Prime + market spread; fixed-rate options available |
| Collateral | General business assets, real estate, or personal guarantees as required |
| Leverage / Coverage | Up to 3.5x total leverage; DSCR ≥ 1.25x on stabilized cash flow |
| Closing Timeline | 30–60 days from executed term sheet and completed diligence |
Who Qualifies for Business Financing?
- Profitable businesses with consistent EBITDA and verifiable financial statements.
- Companies pursuing acquisitions, buyouts, or recapitalizations.
- Borrowers seeking to refinance high-cost or short-term debt.
- Operators expanding production, staffing, or facility footprint.
- Multi-unit or multi-market companies seeking scalable credit solutions.
Eligible Business Financing Use Cases
- Acquisition financing: Purchase of operating companies with transferable goodwill and cash flow.
- Partner buyout: Equity consolidation and ownership transition planning.
- Working capital: Funding receivables, payroll, inventory, or contract expansion.
- Equipment financing: Purchase or lease of machinery, technology, or production assets.
- Owner-occupied real estate: Acquisition or refinance of business-occupied facilities.
- Debt consolidation: Refinance multiple merchant or equipment loans into efficient term structure.
Ineligible Business Transactions
- Passive or investment-only entities without operating income.
- Speculative real estate or development-only projects.
- Start-ups lacking operational history or cash flow support.
- Pyramid, MLM, or unverified business models.
- Businesses with excessive leverage or unresolved tax obligations.
About Cornovus Capital
With over 70 years of combined experience, Cornovus Capital is a trusted financial partner specializing in business financing, commercial real estate lending, and hospitality funding solutions. We design customized capital strategies that help businesses acquire, expand, and optimize operations, ensuring long-term growth and financial stability across multiple market cycles.
Our expertise spans CMBS and LifeCo financing, private capital solutions, structured debt strategies, SBA 7(a) and 504 loans. By focusing on certainty of execution, disciplined underwriting, and closing assurance, we guide businesses and investors through complex capital markets environments, securing financing aligned with long-term ownership and investment objectives.
For insight into the broader interest rate and monetary policy environment influencing commercial real estate financing, visit the Federal Reserve’s Monetary Policy resources.
Connect with Cornovus Capital
Exploring conventional business financing options for acquisition, refinance, construction or recapitalization? Cornovus Capital delivers institutional execution — combining credit analysis, loan structuring, and lender coordination to achieve transparency, speed, and certainty of execution from underwriting through closing.
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