Private business finance
Hollis Bay Capital arranges financing for established private businesses. We read a company the way an investor would, then structure terms around what we find.
Our story
Most private businesses are financed one of two ways: slowly, by banks built for larger borrowers, or quickly, by lenders who price risk by formula. Neither reads the business itself.
Between them sit a great many sound companies. Profitable, growing and underserved.
A bay is where vessels are readied for open water: provisioned, repaired, set on a course. We chose the name for the role we mean to play.
A calm, considered place to prepare for the next voyage.
Hollis Bay Capital was built to close that gap. We do the reading, then take the business to the funding partners whose terms fit it.
The work is advisory first. Capital follows.
Our approach
Analysis to the standard a large borrower would expect, applied to companies that rarely receive it.
Terms, amounts and repayment shaped to real cash flow, not to a generic product sheet.
One person who knows the business, from the first conversation through every financing that follows.
Solutions
Capital for payroll, inventory and the seasonal cycle, sized to the gap it covers and repaid as the cycle turns.
An advance against future receipts, repaid as a share of sales rather than on a fixed calendar. Fast, and priced for it.
Acquire or refinance the machinery, vehicles and technology that drive production.
Revolving capital, drawn when needed and paid down as receivables come in. Interest on what is used, not on what is available.
Longer-dated, lower-cost structures for expansion, real estate and refinancing, for businesses with the record and the time to qualify.
Capital for new locations, contracts and acquisitions, structured around the opportunity.
Engagements
Every business arrives with a different question. A few of the ways we have answered them.
Logistics & Transportation · Southeast
A second-generation carrier won its largest contract yet, and had sixty days to put eight more tractors on the road.
Platform
Our analytics read a company's banking activity line by line: the consistency of its revenue, its obligations, its seasonality, its trend. Our team turns that picture into a proposed structure and takes it to the funders most likely to approve it, with their questions already answered.
Statements read in full, by our models and by our team, show what a credit score cannot.
A complete file at first pass means fewer requests from funders and a shorter wait for terms.
Documents sit under restricted access and go only to the funders you have agreed to approach.
Sectors
Most of our clients are owner-operated or family businesses, from a single site to a multi-location group. Four sectors make up much of the work.
Also: Manufacturing · Retail · Professional Services · Automotive · Wholesale & Distribution · Home Services
How we work
We learn the business, its goals and what the capital is for.
We read the recent statements, by machine and by hand.
We present the options side by side, with the full cost of each spelled out.
Once terms are agreed, the funder closes and funds. We remain the point of contact for whatever follows.
The firm
Built for the second engagement, not the first.
Hollis Bay Capital is a small firm by design. The people who read the business are the people who structure the financing, and they stay with it. We would rather do that well for fewer companies than quickly for many.
Contact
Tell us about your business and what you are planning. We respond within one business day.
