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, commercial, and real estate financing. We deliver customized business financing solutions designed to help companies acquire, expand, and recapitalize for sustained growth and stability.
Our expertise spans conventional bank loans, SBA programs, CMBS and LifeCo financing, and structured debt strategies. We emphasize lender coordination, underwriting precision, and execution certainty across every stage of the transaction.
Connect with Cornovus Capital
Exploring conventional business financing options? Cornovus Capital delivers institutional execution — combining underwriting strength, credit analysis, and lender engagement to ensure clarity, speed, and precision from term sheet to closing.
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