Attract Capital UK

10/08/2026

Profitability alone won't get you a mezzanine debt deal. It never has.

We've watched profitable companies walk away empty-handed — not because the numbers were bad, but for five recurring reasons:

🔹 Wrong industry fit — construction, commodity, and e-commerce businesses face lenders who simply aren't comfortable with the space, regardless of margins.

🔹 Weak deal structure — too little equity in the mix. Lenders expect the loan backed by real cash or rollover equity, within 3–4x EBITDA leverage.

🔹 A poorly presented growth story — if lenders can't see how cash flow will grow, they can't see how the loan gets repaid.

🔹 Diligence gaps — everything looks fine until the lender asks for next-level financial data the company can't produce.

🔹 Management temperament — mezzanine lenders will work with strong personalities, but not with leaders who bring drama or can't handle being challenged on strategy.

Profitability opens the door. What happens next determines whether you walk through it.

Learn why profitable companies can struggle to secure mezzanine debt due to deal structure, presentation, diligence response, and management maturity.

29/07/2026

Today, we asked Dave Barnitt what he believes is the most underrated trait in a CEO?

28/07/2026

The EBITDA number on your financial statements is only the starting point. The real question is whether a lender believes it is sustainable.

Mezzanine lenders don't just measure EBITDA. They test its quality.

They examine whether earnings are recurring, whether adjustments are justified, how stable cash flow has been over time, and whether the business can consistently support debt.

A company with the same EBITDA as its competitor can receive a very different financing outcome if the quality of those earnings is stronger.

Understanding how lenders evaluate EBITDA before approaching the market can improve credibility, reduce diligence issues, and increase financing certainty.

Read the full article: https://www.attractcapital.com/ebitda-quality-test-mezzanine-lender

Learn how a mezzanine lender evaluates adjusted EBITDA, acceptable adjustments, actual earnings, and quality of earnings during deal diligence.

24/07/2026

Think you need a big cash down payment to buy a business? Think again.

Most entrepreneurs assume acquisition financing works like buying a house — a huge upfront check or you don't qualify. It doesn't.

Lenders aren't just looking at your bank balance. They're looking at deal structure, your experience, and the value you bring to the table.

Here's what that can mean in practice:
→ With the right seller note, your equity contribution could be as little as 10-15% of the purchase price
→ Already own a business? Its equity could double as your down payment through rollover equity
→ Customer contracts, industry expertise, and strategic relationships can all strengthen your case with lenders

Limited capital doesn't have to mean limited opportunity.

Full breakdown of how deal structure changes the math 👇

https://www.attractcapital.com/acquisition-financing-with-limited-capital

Discover how acquisition financing works with limited capital, seller notes, rollover equity, and deal structure to help entrepreneurs fund acquisitions.

23/07/2026

Q&A: This or that: Which do you prefer? Casual coffee sit-down or formal boardroom presentation?

22/07/2026

R & R Electric Announcement

We are excited for our client, Century Mechanical, for their acquisition of R & R Electric in Southeast Florida.

It continues their focus on service diversification and regional densification.

With more services offered under one roof in this region, Century can achieve greater share of customer wallet.

Century Mechanical is an elite company and a great option for HVAC sellers in the Florida region looking for an exit.

21/07/2026

Think you need a big cash down payment to buy a business? Think again.

Most entrepreneurs assume acquisition financing works like buying a house — a huge upfront check or you don't qualify. It doesn't.

Lenders aren't just looking at your bank balance. They're looking at deal structure, your experience, and the value you bring to the table.

Here's what that can mean in practice:
→ With the right seller note, your equity contribution could be as little as 10-15% of the purchase price
→ Already own a business? Its equity could double as your down payment through rollover equity
→ Customer contracts, industry expertise, and strategic relationships can all strengthen your case with lenders

Limited capital doesn't have to mean limited opportunity.

15/07/2026

Every extra step in acquisition financing can slow a middle-market deal.

Working with multiple lenders often means different structures, different priorities, and lengthy negotiations that take valuable time away from the acquisition itself.

A cash flow-based unitranche facility simplifies the process by bringing financing under one lender. With committed future capital through a delayed draw term loan, qualifying acquisitions can move faster without rebuilding the financing structure for every deal.

Is simplifying the financing structure just as important as securing the financing itself?
https://www.attractcapital.com/unitranche-acquisition-financing-faster-middle-market-deals

Learn how unitranche acquisition financing simplifies debt structures, speeds closings, and provides committed capital for future acquisitions and growth.

14/07/2026

Q: When evaluating a company, what matters more: the numbers or the founder?

A: The numbers tell you a lot. They tell you where the business has been. The founder tells you where it can go.

Founders are important, but, at the end of the day, ➡️ strong metrics are what matter the most. ⬅️