CASE STUDIES
Strategy in Practice.
Each engagement is different. The methodology is not. These case studies reflect how structured capital advisory translates across industries, deal types, and financial situations.
Capital Strategy
Structured planning before any transaction is initiated
Underwriting Analysis
Lender-grade review that protects options and credit
Risk Mitigation
Identifying and resolving structural risks before they constrain
01. Restructuring a Constrained Capital Stack for a Regional Manufacturer
Manufacturing
Manufacturing
Restructuring a Constrained Capital Stack for a Regional Manufacturer
28%
Monthly Debt Service Reduction
3 → 1
Debt Facilities Consolidated
10 Yrs
Monthly Debt Service Reduction
Client Situation
A regional manufacturer with $4.2M in annual revenue was carrying three separate debt obligations — a term loan, an equipment line, and a short-term bridge — each with misaligned maturity dates and varying covenant requirements. The combined debt service was creating cash flow constraints that were limiting reinvestment in the business and eroding borrowing capacity for planned expansion.
Capital Strategy
We conducted a full debt schedule analysis and modeled the client's cash flow under three restructuring scenarios. The strategy prioritized consolidating the short-term bridge and equipment line into a single SBA 7(a) structure with a 10-year amortization, while negotiating an extension on the existing term loan. This eliminated covenant conflicts, reduced monthly obligations, and extended the capital runway without requiring new equity.
Risk Identified & Mitigated
The primary risk was a maturity cliff on the bridge facility — if not addressed, it would have forced the client to refinance under duress, likely at significantly worse terms. Secondary risk was overlapping collateral positions across lenders that would have complicated any new financing. Both were resolved before any lender engagement began.
Outcome
The restructured capital stack reduced total monthly debt service by 28%, eliminated conflicting covenants, and positioned the client to pursue equipment acquisition financing within 18 months — which had not been possible under the prior structure.
02. Pre-Acquisition Capital Planning for a Multi-Unit Real Estate Investor
Real Estate
REAL ESTATE
Pre-Acquisition Capital Planning for a Multi-Unit Real Estate Investor
$6.8M
Portfolio Acquisition Value
14
Days to Replacement Commitment
11 Mo.
Bridge-to-Permanent Timeline
Client Situation
A real estate professional was under contract on a four-property portfolio acquisition valued at $6.8M. They had relied on a lender commitment that fell through 22 days before closing, leaving them at risk of losing the portfolio and a substantial earnest money deposit. Beyond the immediate gap, the client's existing portfolio carried a financing structure that would complicate any replacement facility.
Capital Strategy
We assessed the client's full portfolio and identified that two properties with clean title and strong DSCR could serve as cross-collateral for a bridge facility without triggering due-on-sale clauses in the existing debt. We structured a 12-month bridge with a private capital source that carried a clear refinancing path into a conventional commercial loan upon stabilization of the acquired properties.
Risk Identified & Mitigated
Identified an encumbrance on one of the target properties that had not surfaced in preliminary title work — flagged before closing, resolved with seller concession. The cross-collateral structure was designed to avoid triggering existing acceleration clauses, which had not been modeled by the client's prior lender.
Outcome
Closing occurred on schedule. The client successfully acquired all four properties. The bridge was refinanced into a permanent structure within 11 months, at terms consistent with the strategy modeled at engagement outset.
03. Long-Term Capital Roadmap for a Growing Professional Services Firm
Professional Services
PROFESSIONAL SERVICES
Long-Term Capital Roadmap for a Growing Professional Services Firm
$1.4M
Acquisition Financed
$340K
Seller Financing Negotiated
36 Mo.
Projected Next Acquisition Window
Client Situation
A professional services firm with $2.1M in revenue was preparing to acquire a competing practice. The principals had not pursued external financing before and had no existing banking relationships suited to the transaction. Their CPA referred them to the firm before any lender conversations began, recognizing that the acquisition structure had tax and financing implications that needed to be addressed together.
Capital Strategy
We began with a capital strategy session that mapped the full acquisition structure — purchase price allocation, working capital requirements, and the financing instruments best suited to each component. An SBA 7(a) loan was structured to cover goodwill and a portion of working capital, with seller financing subordinated appropriately to satisfy SBA standby requirements. A three-year capital roadmap was developed to guide post-acquisition borrowing.
Risk Identified & Mitigated
The initial acquisition structure proposed by the seller's attorney would have created a subordinated debt arrangement that disqualified the buyer from SBA financing. This was identified during our review and renegotiated before any lender was engaged. Additionally, the working capital projection had not accounted for a 60-day revenue gap during client transition — modeled and addressed in the final structure.
Outcome
Acquisition closed with a fully compliant SBA 7(a) structure. The capital roadmap provided the principals with a clear framework for managing post-acquisition debt and pursuing a second acquisition within 36 months.
Every Situation Is Different.
The Approach Is Not.
Begin with a capital assessment.
Understand your position before any decision is made.
Strategic capital advisory for business owners, real estate professionals, and growth-oriented enterprises.
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Clarity Advisory Group provides strategic capital advisory and consulting services. We are not a direct lender. All financing is subject to underwriting and approval through third-party institutions.
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