Creative Financing Options for Asset-Light Businesses

In today’s lending environment, businesses without significant hard assets often struggle to secure traditional bank loans. But companies in healthcare services, medical aesthetics, behavioral health, and other professional sectors are thriving—just without the real estate or equipment to show for it.

Olympic M&A’s Growth Capital Services help these asset-light businesses raise growth capital, buy out partners, or prepare for a future sale by accessing lenders who prioritize cash flow, earnings, and long-term value—not physical assets.

Why Traditional Lending Falls Short

Conventional banks rely heavily on collateral—real estate, machinery, or inventory. That model doesn’t work for companies built on recurring revenue, intellectual property, or professional service teams.

Fortunately, alternative lenders—particularly in private credit, mezzanine financing, and cash flow lending—specialize in supporting these businesses.

Flexible Capital Solutions That Fit

Here are the most effective financing options for growing asset-light businesses:

Cash Flow Lending

Based on EBITDA rather than physical assets, these loans are ideal for profitable companies in healthcare, IT, or professional services. Repayment terms are structured around the company’s ability to service debt—not the resale value of its equipment.

Mezzanine Financing

This hybrid debt solution sits between senior loans and equity. It’s often used for growth capital, acquisitions, or shareholder/partner buyouts. Interest is higher than bank loans but offers far more flexibility.

Revenue-Based Financing

This model allows repayment as a fixed percentage of monthly revenue. It’s attractive for businesses with predictable revenue and strong margins, and it avoids giving up equity.

Private Credit & Non-Bank Lenders

Direct lenders and family offices offer customized financing options, especially for companies that fall between traditional banking and equity capital. These funds move faster and focus on future performance, not just historical assets.

When to Consider a Capital Raise

If you’re:

Buying out a partner or shareholder
Experiencing strong demand but need working capital
Acquiring a competitor
Preparing to scale or enter a new market
Looking to unlock value prior to selling your business

…then it may be time to pursue a non-traditional financing strategy.

Smart Capital. Strategic Growth. Successful Exits.

Olympic M&A is more than an M&A advisor—we’re a capital and exit partner. Our expertise spans cash flow lending, mezzanine financing, business valuation, and exit strategy planning, helping owners access the right capital now while staying positioned to sell when the time is right.

Let’s discuss the best financing and growth options—and how they align with your long-term exit goals.

Tony Siebel
Managing Director
📞 502.360.8320 ✉️ tonys@olympicma.com
🌐www.olympicma.com

About The Author

Tony Siebel is the Managing Director of Olympic M&A, a Louisville-based advisory firm
specializing in healthcare and high-value service businesses. With more than seven
years of experience in psychiatry, behavioral health, physician practices, and recurring
service industries, he has built a reputation for helping founders capture the full value of
their life’s work.
Through Olympic M&A, Tony connects owners with private equity groups, family offices,
and strategic buyers nationwide. His hands-on, data-driven approach ensures owners
maximize value while protecting their legacy during the most important transaction of
their lives.

Download Your Free e-Book

Get instant access to Olympic M&A’s exclusive guide revealing 5 Private Equity Secrets to maximize your business’s sale value and avoid costly M&A pitfalls.