Strategic Capital Structure Advisory Services

Capital structure advisory helps businesses determine the right mix of debt, equity, asset-based financing, sale-leaseback capital, or other funding sources for a specific goal. The advisor evaluates cash flow, collateral, growth plans, leverage, repayment path, and transaction timing, then identifies capital options that may fit better than a single bank credit box.

The four common types of capital structure are equity capital, debt capital, hybrid capital, and internal financing. Equity involves ownership investment, while debt must be repaid under agreed terms. Hybrid capital can include preferred equity or mezzanine financing. Internal financing uses retained earnings or existing assets to support operations, acquisitions, or growth.

A company should consider capital structure advisory when planning an acquisition, refinancing debt, funding growth, stabilizing cash flow, developing real estate, or seeking capital after a bank decline. Advisory support is especially useful when a transaction involves multiple collateral types, time-sensitive execution, non-traditional lending criteria, or a need to compare debt and equity options.

Stirling Capital Group begins with a consultative review of the borrower, project, collateral, capital need, and repayment strategy. The firm can pre-qualify, pre-underwrite, and originate loans through lending relationships, helping clients identify financing structures such as asset-based lending, commercial real estate financing, equity capital, sale-leasebacks, or specialty finance solutions.

Yes. Stirling Capital Group has access to equity capital through a strategic alliance with a large Private Lending Group, in addition to debt funding sources. Qualified opportunities may include joint venture equity, preferred equity, or additional project capital, depending on the transaction, sponsor profile, project economics, and investor appetite.

Traditional bank financing often follows narrow underwriting standards, regulatory limits, and fixed credit criteria. Private lending and specialty finance sources may offer more flexibility around collateral, cash flow, timelines, leverage, transaction complexity, or industry profile. Advisory helps compare these options so the chosen structure supports the company’s broader financial objectives.

Useful information typically includes the financing purpose, requested amount, timeline, company financials, collateral details, existing debt, ownership structure, project budget, real estate information if applicable, and expected repayment source. Clear documentation helps determine which lending categories are realistic and allows potential lenders to assess transaction strength efficiently.

Stirling Capital Group supports entrepreneurs, business owners, investors, developers, real estate investors, SMEs, middle-market companies, growth-oriented businesses, and borrowers declined by traditional banks. The firm’s lender relationships are industry-agnostic and span commercial real estate, construction, asset-based lending, supply chain finance, specialty finance, and other capital solutions.