Debt Advisory

Credit, with certainty

Certus Credit is a debt advisory firm for operating businesses. We prepare the lending file, present it to qualified private lenders, and manage the process from first conversation to closing.

For lenders How we work

About the Firm

Representation on the borrower's side

Certus Credit represents businesses seeking $1M to $20M+ in financing. We work for the borrower, not the lender: preparing the file, running the process, and negotiating from an organized position.

Most owners finance their business a handful of times. Lenders do this every day. That asymmetry is what we correct. An engagement with Certus is advisory and defined in scope, under a defined engagement fee and a success fee at closing.

Refinancing · Working capital · Equipment · MCA consolidation · Acquisitions

Warehouse operations in a distribution business

The Process

One file. The right lenders. A managed close.

  1. 01

    Assess

    Understand the business, the existing debt, and the objective. We say plainly whether we can help before anyone signs anything.

  2. 02

    Prepare

    Build the lending file: financials, collateral, and the narrative, organized the way underwriters read.

  3. 03

    Present

    Take the file to qualified lenders whose mandates fit the situation. Never blasted to a list.

  4. 04

    Close

    Compare terms, negotiate the structure, and manage the path to funding.

Fabrication floor of a manufacturing business

Lender Relations

We register mandates, not lists

Certus places financings from $1M to $20M+ across refinancing, working capital, equipment, MCA consolidation, and acquisitions. We register your mandate the way you underwrite it: sizes, sectors, collateral, and structures.

Files arrive prepared: financials, collateral, and the narrative organized the way your underwriters read. A file reaches you only when it fits the mandate. When it does not, you never see it.

→ Register a mandate

Get in Touch

Every engagement starts with the file

We take a limited number of engagements at a time to keep every process disciplined. Write to us with the situation: the business, the debt, the objective. We will tell you plainly whether we can help.

Register a mandate Discuss a financing

Certus Credit is an advisory firm, not a lender. We arrange and manage financing processes; credit decisions rest with lenders, and no outcome is guaranteed.