Attract Capital

10/14/2026

Personal guarantees and acquisition financing are like oil and water.

If a lender believes in the deal, he shouldn't need one.

The best lenders see cash flow generation not your personal assets as their ultimate path to repayment.

https://www.attractcapital.com/personal-guarantees-acquisition-financing

Learn when acquisition financing may require personal guarantees, how payment and collection guarantees differ, and what buyers should consider before closing.

10/13/2026

How should middle market companies think about taking on more debt today?

10/07/2026

Buying a business without cash to grow it is like buying a car with no tires.

Some advanced loans have a feature called a P*K toggle, which helps you preserve cash and build liquidity.

The more cushion you have, the more confidently you can invest in future growth over the long term.

It is never the cost of the capital but the quantity of capital that leads to success.

Learn more about how P*K toggles can boost your liquidity and drive strong growth.

Learn how a payment in kind toggle helps preserve acquisition liquidity by allowing borrowers to defer cash interest payments during leveraged acquisition financing and private credit deals.

10/06/2026

It’s Q&A time with David Barnitt. Q: What is one of the biggest mistakes that companies can make when they’re getting ready to raise debt?

09/29/2026

What makes a financing deal move quickly?

Attract Capital CEO, David Barnitt, shares the key factors that can help accelerate the financing process.

09/28/2026

Why do fast-growing, profitable companies still run short of cash?

Often it's because they borrow against assets. Asset-based lenders only advance a fraction of your receivables and inventory, so the faster you grow, the more you have to fund out of your own pocket.

Cash flow leverage lending sizes your loan on your earnings instead, typically 3x to 5x adjusted EBITDA, with a 1.25x debt service coverage check to make sure payments stay manageable. The result is usually a much larger loan and real room to scale.

Read the full comparison https://www.attractcapital.com/cash-flow-leverage-metrics-vs-asset-based-lending

Learn how cash flow leverage metrics compare with asset-based lending, including EBITDA multiples, debt service coverage, collateral requirements, and borrowing capacity.

09/22/2026

Let’s ask Dave… How much equity do buyer’s typically need to bring to the table?

09/21/2026

Thinking of using an earn-out to close a valuation gap?

An earn-out is an extra payment to the seller if the business hits a future target. It sounds easy, but two things often go wrong:

1. Changes the buyer makes after closing can cause a dip in results
2. The lender can stop the payment if the business isn't meeting its loan conditions

The fix is simple: buyer, seller and lender should agree on the plan before the deal is signed.

Full guide here 👇

Learn how financing affects earn outs, from lender subordination to operational changes, and what buyers should address before closing an acquisition.

09/17/2026

Q&A time with Dave Barnitt. ➡️ Is mezzanine financing only for struggling companies?

09/16/2026

Deal moving faster than your financing can keep up? You may not need to choose between a bridge loan and acquisition financing — you may need both.

Bridge loans get you capital fast (often under 30 days) but come with a short leash and higher cost. Acquisition financing is the long-term, stable capital that lets you actually integrate and grow what you bought — but it takes longer to close.

Run them side by side, and just make sure you can repay that bridge quickly once your permanent financing lands.

https://www.attractcapital.com/bridge-loans-vs-acquisition-financing

Bridge loans offer fast, short-term capital, while acquisition financing provides longer-term funding. Learn when buyers should use each financing option.