Trades & Field Operations
Production & Supply
Healthcare, Staffing & Education
Professional & Financial
Technology, Media & Events
We review the financials first. Conventional financing gets evaluated before anything else. Bridge capital gets deployed only when timing demands it.
Typical client profile
$300K+ monthly revenue
Seeking $200K to $2MM+ in structured capital
Established operating businesses
A Structured Approach to Capital
We begin every engagement with a full financial review before recommending any credit structure. Conventional lending options are evaluated first. Short-term liquidity is deployed only when timing or transactional gaps require disciplined execution.
Capital structures are developed through institutional lending partners, private credit funds, and asset-based financing facilities. Each structure is tailored to operating cash flow, project timelines, and capital efficiency.
Veritas Finance maintains a strategic relationship with Mallon Capital Partners, a private credit fund investing in specialty finance and non-bank lending. This relationship provides coordinated access to institutional credit capital for transactions where a fund-level structure is the right fit.
Conventional Financing
Bank term facilities, SBA programs, asset-based lending
Structured Credit Facilities
Working capital lines and institutional credit structures
Strategic Bridge Capital
Precision liquidity deployed within a broader capital strategy
How Engagement Begins
Submit financial documentation
Financial review conducted
Capital structures presented
Request a Capital Review
Engagement begins with a financial review of your business. Choose how you would like to start.
Full Capital Review
For established operators ready to move forward. Submit your documentation and we'll identify the right financing structure for your business. conventional credit, asset-based facilities, or bridge liquidity if timing is the issue.
Most reviews are assessed and returned within one business day.
Begin Capital ReviewCapital Strategy Call
Not ready to submit financials yet? Start with a brief advisory call. We'll review your operating profile, current capital structure, and what options realistically fit your business. before any paperwork changes hands.
Most operators on this call generate $300K+ monthly and are seeking $200K to $2MM+ in structured capital.
Schedule a Strategy CallCapital Review Process
Full Capital Review
Review 4 months of business bank statements
Review most recent business tax return
Assess eligibility for conventional lending structures
Structure the right capital stack with institutional partners
Strategic Bridge Capital
Review recent business banking activity
Evaluate immediate liquidity requirements
Structure bridge capital to address timing gaps
Understanding Liquidity and Timing
Healthcare & Medical Practices
Insurance reimbursement cycles and credentialing timelines create receivable gaps that strain operational liquidity during growth periods.
Construction & Contracting
Mobilization costs, retainage holdbacks, and progress billing structures create capital gaps between project commencement and payment realization.
Transportation & Logistics
Fleet expansion, fuel cost volatility, and extended payment terms from enterprise shippers create sustained pressure on operating cash flow.
Staffing & Professional Services
Payroll funding obligations precede client payment collection, creating a structural mismatch between cash outflows and receivable conversion.
Manufacturing & Distribution
Raw material procurement, production lead times, and inventory carrying costs require capital deployment well in advance of revenue recognition.
Technology & SaaS Companies
Customer acquisition costs, infrastructure scaling, and annual billing cycles create front-loaded capital needs against deferred revenue streams.
When Timing Requires Precision
Contract awards, refinancing transitions, expansion initiatives, or acquisition activity can create short-term liquidity gaps. In these instances, bridge capital may be deployed while long-term financing is finalized.
Capital with Discipline
We review the financials before we discuss the capital. If the numbers support a conventional structure, that's where we start. Bridge funding exists for timing, not as a default.
Representative Structures
Selected engagements from recent capital structuring work. Identifying details have been generalized for confidentiality.
Situation
Healthcare practice, Mid-Atlantic region. A $14M multi-location medical group facing a 52-day insurance reimbursement cycle that was creating sustained payroll pressure during a three-location expansion.
Structure Deployed
Structured a $600K receivables-backed facility against insurance AR, priced inside the client's existing bank pricing on a blended-cost basis. Conventional SBA expansion financing was evaluated first and deferred due to timeline mismatch with the practice's acquisition schedule.
Outcome
Facility closed in 9 business days. Practice completed the third-location acquisition on the original timeline. Refinanced into a conventional ABL facility 11 months later.
Healthcare practice, Mid-Atlantic region. A $14M multi-location medical group facing a 52-day insurance reimbursement cycle that was creating sustained payroll pressure during a three-location expansion.
Structured a $600K receivables-backed facility against insurance AR, priced inside the client's existing bank pricing on a blended-cost basis. Conventional SBA expansion financing was evaluated first and deferred due to timeline mismatch with the practice's acquisition schedule.
Facility closed in 9 business days. Practice completed the third-location acquisition on the original timeline. Refinanced into a conventional ABL facility 11 months later.
Situation
Commercial contractor, Northeast region. A $22M general contractor awarded a $6.4M municipal project with a 10 percent retainage holdback and staggered progress billing that created a mobilization gap ahead of schedule commencement.
Structure Deployed
Evaluated the operator's existing bank line first and confirmed insufficient availability for the mobilization timeline. Structured a project-specific bridge facility against the signed contract and progress billing schedule, sized to the mobilization requirement rather than the full project value.
Outcome
Funded in 7 business days. Operator commenced mobilization on the contracted start date. Facility retired in full upon receipt of the third progress payment.
Commercial contractor, Northeast region. A $22M general contractor awarded a $6.4M municipal project with a 10 percent retainage holdback and staggered progress billing that created a mobilization gap ahead of schedule commencement.
Evaluated the operator's existing bank line first and confirmed insufficient availability for the mobilization timeline. Structured a project-specific bridge facility against the signed contract and progress billing schedule, sized to the mobilization requirement rather than the full project value.
Funded in 7 business days. Operator commenced mobilization on the contracted start date. Facility retired in full upon receipt of the third progress payment.
Situation
Transportation and logistics, Southeast region. A $9M regional carrier seeking $450K in short-term working capital to fund fleet expansion ahead of a contracted rate increase from a primary enterprise shipper.
Structure Deployed
After a full financial review, recommended against the bridge facility the operator initially requested. The balance sheet supported a conventional equipment finance structure at materially lower cost. Coordinated the conventional facility through an institutional lending partner rather than deploying short-term capital.
Outcome
Closed a conventional $520K equipment facility within 18 days at a cost of capital approximately 60 percent below the bridge alternative the operator had been considering. The engagement is referenced internally as an example of the review-first approach.
Transportation and logistics, Southeast region. A $9M regional carrier seeking $450K in short-term working capital to fund fleet expansion ahead of a contracted rate increase from a primary enterprise shipper.
After a full financial review, recommended against the bridge facility the operator initially requested. The balance sheet supported a conventional equipment finance structure at materially lower cost. Coordinated the conventional facility through an institutional lending partner rather than deploying short-term capital.
Closed a conventional $520K equipment facility within 18 days at a cost of capital approximately 60 percent below the bridge alternative the operator had been considering. The engagement is referenced internally as an example of the review-first approach.