01Up to $500,000,000
Direct Lending
Senior secured and cash-flow based financing for established middle-market operators.
- Term
- 3 – 7 yr
- Pricing
- SOFR + 600 – 950
- Funded
- 3 – 5 wk
$5K – $500M+ · 24–72h
Pre-qualify in 60 seconds
Confidential financing marketplace
Capital matched to your business.
Answer a few questions to explore working-capital, equipment, real-estate, and structured-credit options through one confidential process.
- One application, multiple financing paths
- Soft-touch review — no impact to your credit score to start
- Save your progress and return anytime
Step 1 of 8
How much capital are you looking for?
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01 · Platform Capability
9
Financing Products
One application
$5K–$500M
Facility Range
Per transaction
24–72h
Working Capital
Decision window
50 States
Coverage
U.S. nationwide
Direct lending, brokerage, and syndication under one roof. Soft-pull pre-qualification — credit is not impacted until you accept terms.
Deal Simulator · Live
Tell us four things. We'll show you what a deal looks like.
We rank products by fit score using your timeline, industry, and use of funds — then estimate the live cost of capital. No credit pull.
$250K
$10K$50M
Timeline
Best match · Fit 90
Working Capital Advance
Indicative · Funds in 24–48 hr
Monthly remit
$27,500
Over 12 mo
Factor
1.32×
Indicative
Total cost
$80,000
≈ 44.80% APR equiv
- Built for working capital
- Funds in 24–48 hr
#2 · Fit 90
Business Line of Credit
Est. payment
$12,241
3–7 days · 24 mo draw
Built for working capital
#3 · Fit 90
A/R Factoring
Est. payment
$6,250
5–10 days · Revolving
Built for working capital
#4 · Fit 55
Equipment Finance
Est. payment
$5,498
3–7 days · 5 yr
Funds in 3–7 days
Estimate only. Final terms set by lender at credit approval. No credit pull required to simulate.
Referenced In Industry Coverage
BloombergThe Wall Street JournalABF JournalPitchBookPrivate Debt InvestordeBanked
Featured & Referenced In
BloombergPitchBookABF JournalPrivate Debt InvestordeBankedReutersThe Wall Street JournalCommercial ObserverS&P GlobalMergermarketABA Banking JournalReal DealBloombergPitchBookABF JournalPrivate Debt InvestordeBankedReutersThe Wall Street JournalCommercial ObserverS&P GlobalMergermarketABA Banking JournalReal Deal
Sectors We Cover
012 Verticals
- Manufacturing001
- Distribution002
- Healthcare003
- Specialty Finance004
- Commercial Real Estate005
- Logistics006
- Technology007
- Energy008
- Consumer009
- Business Services010
- Multifamily011
- Industrials012
Private Credit Solutions
Get approved for institutional capital.
We originate, underwrite, and deploy capital across working capital, asset-based lending, equipment finance, and commercial real estate — funding directly, brokering through our institutional lender network, and syndicating larger facilities across that same network.
$5K – $500M+ · Direct · Brokerage · Syndication · Nationwide
02Up to $50,000,000
Asset-Based Lending
Structured facilities backed by receivables, inventory, or equipment.
- Term
- 1 – 5 yr
- Pricing
- SOFR + 350 – 700
- Funded
- 2 – 4 wk
03Up to $5,000,000
Equipment Finance
Asset-backed capital for acquisition, refinance, and expansion of essential equipment.
- Term
- 2 – 7 yr
- Pricing
- 7.99% – 18.00%
- Funded
- 3 – 10 d
04Up to $250,000,000
Bridge & Special Situations
Short-term capital for transitional, time-sensitive, or opportunistic mandates.
- Term
- 6 – 36 mo
- Pricing
- 9.00% – 13.50%
- Funded
- 10 – 21 d
05Up to $500,000,000
Commercial Real Estate
Debt solutions for acquisition, refinance, and ground-up development.
- Term
- 3 – 30 yr
- Pricing
- 6.50% – 11.50%
- Funded
- 3 – 6 wk
06Up to $10,000,000
Business Term Loans
Fixed-rate, long-term capital for growth, acquisition, and balance sheet optimization.
- Term
- 1 – 10 yr
- Pricing
- 9.50% – 24.99%
- Funded
- 5 – 10 d
Working Capital
Working Capital Advance
Up to $2,000,000Revenue-based short-term capital for operating needs.
- Term
- 3 – 24 mo
- Pricing
- 1.15× – 1.49× factor
- Funded
- 24 – 72 h
Business Line of Credit
Up to $1,500,000Flexible revolving capital, drawn as needed.
- Term
- Revolving
- Pricing
- 10.00% – 30.00% APR
- Funded
- 3 – 7 d
Invoice Financing
Up to $5,000,000Convert outstanding receivables into immediate working capital.
- Term
- Revolving
- Pricing
- 0.50% – 3.00% / 30d
- Funded
- 3 – 7 d
Real Estate Investor Funding
Capital for Investors Closing on Real Property.
Hard money, bridge, DSCR, fix-and-flip, transactional, and CRE bridge debt. Time-sensitive acquisitions, value-add repositions, and rental portfolio scale.
$100K – $50M+ • Close in 5 – 21 days • Nationwide coverage
Summit Private Credit helps real estate investors and buyers access capital for time-sensitive acquisitions, fix-and-flip projects, rental properties, bridge transactions, and commercial real estate opportunities.
Funding options may include hard money loans, fix-and-flip financing, bridge loans, DSCR rental loans, transactional funding, and commercial real estate bridge financing.
Whether purchasing an off-market property, closing on a wholesale deal, refinancing an investment property, or stabilizing a value-add asset, our network can help identify capital options based on the deal structure, collateral, borrower profile, and exit strategy.
- Fix & Flip Financing
- Hard Money Loans
- Bridge Loans
- DSCR Rental Loans
- Transactional Funding
- Commercial Real Estate Bridge Financing
Funding Range
$100K – $50M+
- Speed
- 5 – 21 Days
- Structures
- Hard Money · Bridge · DSCR
- LTV / LTC
- Up to 90% LTC · 75% ARV
- Coverage
- Nationwide
- Recourse
- Full · Limited · Non-Recourse
Submit the property details and supporting documents — we'll route to the right lender and return indicative terms typically within 24 hours.
Programs
Fix & Flip Financing
Acquisition + rehab capital for active flippers. Funds purchase and 100% of rehab in draws.
- Range
- $100K – $5M
- Speed
- 5 – 14 days
- Leverage
- Up to 90% LTC · 75% ARV
Hard Money Loans
Asset-based short-term debt for time-sensitive acquisitions. Light docs, story-driven underwriting.
- Range
- $100K – $10M
- Speed
- 5 – 10 days
- Leverage
- Up to 75% LTV
Bridge Loans
Transitional debt for value-add, stabilization, or 1031 exchange windows. Interest-only.
- Range
- $500K – $50M+
- Speed
- 10 – 21 days
- Leverage
- Up to 75% LTV
DSCR Rental Loans
Long-term rental property financing underwritten on property cash flow, not personal income.
- Range
- $100K – $3M
- Speed
- 21 – 30 days
- Leverage
- Up to 80% LTV · 0.75+ DSCR
Transactional Funding
Same-day capital for double closes, wholesale assignments, and back-to-back A→B→C deals.
- Range
- $100K – $10M
- Speed
- 24 – 48 hours
- Leverage
- 100% Purchase
CRE Bridge Financing
Bridge debt for multifamily, retail, office, industrial, and hospitality reposition deals.
- Range
- $1M – $50M+
- Speed
- 14 – 30 days
- Leverage
- Up to 75% LTV
01
Submit Property
Address, transaction type, loan amount, exit strategy.
02
Indicative Terms
Rate, leverage, fees returned typically within 24 hours.
03
Diligence
Title, appraisal/BPO, insurance, entity docs, scope review.
04
Close & Fund
Wire to closing attorney/title. Draws on construction.
Fact Sheet · 001Strategy Matrix
Strategies, side by side.
Nine financing structures across our private credit and lender network. Compare facility size, pricing band, collateral, and closing speed at a glance — then drill in to the structure that fits.
Indicative · As of Q2 2026
Subject to credit review
Strategy
Min
Max
Term
Pricing (Indic.)
Collateral
Use Case
Closing
→Direct Lending
$2,000,000
$500,000,000+
3 – 7 yr
SOFR + 600 – 950
Cash flow / Senior secured
Acquisition · Recap · Growth
3 – 5 wk
Direct Lending
→- Min
- $2,000,000
- Max
- $500,000,000+
- Term
- 3 – 7 yr
- Pricing
- SOFR + 600 – 950
- Closing
- 3 – 5 wk
CollateralCash flow / Senior secured
Use caseAcquisition · Recap · Growth
→Asset-Based Lending
$500,000
$50,000,000
1 – 5 yr
SOFR + 350 – 700
A/R · Inventory · Equipment
Working capital · Turnaround
2 – 4 wk
Asset-Based Lending
→- Min
- $500,000
- Max
- $50,000,000
- Term
- 1 – 5 yr
- Pricing
- SOFR + 350 – 700
- Closing
- 2 – 4 wk
CollateralA/R · Inventory · Equipment
Use caseWorking capital · Turnaround
→Commercial Real Estate
$1,000,000
$500,000,000+
3 – 30 yr
6.50% – 11.50%
Real property
Acquire · Refinance · Develop
3 – 6 wk
Commercial Real Estate
→- Min
- $1,000,000
- Max
- $500,000,000+
- Term
- 3 – 30 yr
- Pricing
- 6.50% – 11.50%
- Closing
- 3 – 6 wk
CollateralReal property
Use caseAcquire · Refinance · Develop
→Bridge Financing
$1,000,000
$250,000,000
6 – 36 mo
9.00% – 13.50%
Real property · Assets
Time-sensitive · Transitional
10 – 21 d
Bridge Financing
→- Min
- $1,000,000
- Max
- $250,000,000
- Term
- 6 – 36 mo
- Pricing
- 9.00% – 13.50%
- Closing
- 10 – 21 d
CollateralReal property · Assets
Use caseTime-sensitive · Transitional
→Equipment Finance
$25,000
$5,000,000
2 – 7 yr
7.99% – 18.00%
Equipment
Purchase · Refinance · Upgrade
3 – 10 d
Equipment Finance
→- Min
- $25,000
- Max
- $5,000,000
- Term
- 2 – 7 yr
- Pricing
- 7.99% – 18.00%
- Closing
- 3 – 10 d
CollateralEquipment
Use casePurchase · Refinance · Upgrade
→Term Loans
$50,000
$10,000,000
1 – 10 yr
9.50% – 24.99%
Cash flow / Mixed
Expansion · Buyout · Debt refi
5 – 10 d
Term Loans
→- Min
- $50,000
- Max
- $10,000,000
- Term
- 1 – 10 yr
- Pricing
- 9.50% – 24.99%
- Closing
- 5 – 10 d
CollateralCash flow / Mixed
Use caseExpansion · Buyout · Debt refi
→Business Line of Credit
$25,000
$1,500,000
Revolving
10.00% – 30.00% APR
Cash flow
Cash flow gaps · Standby capital
3 – 7 d
Business Line of Credit
→- Min
- $25,000
- Max
- $1,500,000
- Term
- Revolving
- Pricing
- 10.00% – 30.00% APR
- Closing
- 3 – 7 d
CollateralCash flow
Use caseCash flow gaps · Standby capital
→Invoice Financing
$25,000
$5,000,000
Revolving
0.50% – 3.00% / 30d
Receivables
B2B receivables · Payroll bridge
3 – 7 d
Invoice Financing
→- Min
- $25,000
- Max
- $5,000,000
- Term
- Revolving
- Pricing
- 0.50% – 3.00% / 30d
- Closing
- 3 – 7 d
CollateralReceivables
Use caseB2B receivables · Payroll bridge
→Working Capital Advance
$25,000
$2,000,000
3 – 24 mo
1.15× – 1.49× factor
Revenue
Inventory · Marketing · Payroll
24 – 72 h
Working Capital Advance
→- Min
- $25,000
- Max
- $2,000,000
- Term
- 3 – 24 mo
- Pricing
- 1.15× – 1.49× factor
- Closing
- 24 – 72 h
CollateralRevenue
Use caseInventory · Marketing · Payroll
Figures indicative. Pricing, advance rates, and final terms determined by lender at the time of credit approval. Summit Private Credit acts as a commercial finance broker.
The Firm
Disciplined capital, delivered with conviction.
Summit Private Credit is a direct lender, commercial finance brokerage, and syndication platform deploying institutional capital into operating businesses across the United States.
We originate and underwrite every transaction in-house — funding qualified deals directly off our credit facility, brokering to our institutional lender network, and syndicating larger facilities across that same network spanning working capital, asset-backed, equipment, CRE, and structured credit.
Why Summit Private Credit
- ◆11-day average close, end to end
- ◆86% approval rate for repeat borrowers
- ◆100+ direct lender relationships, one application
- ◆9 financing products under one underwriting team
Engagement
Our process.
01
Initial Review
Confidential evaluation of transaction profile and capital needs.
02
Structuring & Underwriting
Disciplined diligence and tailored structuring.
03
Capital Allocation
Commitment from our direct capital and partner network.
04
Closing
Efficient execution led by senior team members.
Live Market Intelligence
Live capital markets coverage.
Current activity, originations, and growth signals across the nine financing products Summit structures and places. Auto-refreshes as new positive coverage publishes.
Headlines aggregated from third-party news sources for informational purposes. Inclusion does not constitute endorsement or investment advice.
Representative Activity
Select transactions across the platform.
A representative cross-section of recently structured and placed financings — spanning working capital, asset-based, and structured credit mandates.
Size
Structure
Sector
Geo
Period
$48,000,000
Bridge Financing
Multifamily
FL
Q1 '26
$32,500,000
Senior Secured Credit Facility
Specialty Finance
NY
Q1 '26
$22,000,000
Asset-Based Lending
Distribution
IL
Q1 '26
$18,750,000
Construction Bridge
Industrial
TX
Q4 '25
$15,200,000
Recapitalization
Healthcare
PA
Q4 '25
$12,500,000
Senior Secured Term Loan
Manufacturing
TX
Q4 '25
$10,800,000
CRE Acquisition
Office
GA
Q4 '25
$8,400,000
Equipment Refinance
Logistics
OH
Q4 '25
$7,250,000
Growth Capital
Business Services
CO
Q3 '25
$6,500,000
Inventory Facility
Consumer
CA
Q3 '25
$5,900,000
CRE Refinance
Retail
AZ
Q3 '25
$5,200,000
Acquisition Financing
Industrials
MI
Q3 '25
$4,750,000
Term Loan
Healthcare
NC
Q3 '25
$4,200,000
Equipment Financing
Construction
NV
Q3 '25
$3,800,000
Working Capital Facility
Manufacturing
WI
Q3 '25
$3,500,000
Bridge to Permanent
Hospitality
TN
Q2 '25
$3,200,000
Equipment Financing
Logistics
CA
Q2 '25
$2,900,000
Receivables Facility
Staffing
NJ
Q2 '25
$2,500,000
Line of Credit
Distribution
MO
Q2 '25
$2,100,000
Term Loan
Technology
MA
Q2 '25
$1,800,000
Revenue-Based Financing
E-commerce
NY
Q2 '25
$1,650,000
Equipment Refinance
Energy
OK
Q2 '25
$1,400,000
Working Capital Advance
Restaurants
FL
Q2 '25
$1,200,000
Invoice Financing
Trucking
AL
Q1 '25
$950,000
SBA Bridge
Medical
WA
Q1 '25
$850,000
Line of Credit
Specialty Retail
OR
Q1 '25
$720,000
Term Loan
Professional Svcs
VA
Q1 '25
$640,000
Working Capital
Construction
ID
Q1 '25
$540,000
Equipment Financing
Agriculture
IA
Q1 '25
$420,000
Line of Credit
Wholesale
KY
Q1 '25
Representative transactions shown for illustrative purposes only. Anonymized to protect borrower confidentiality. Not indicative of future activity or returns.
Contact
Engage with our team.
Confidential review by our capital team. No obligation.