GA · Direct

Direct Lending in Georgia.

Summit places direct lending with vetted lenders serving operators across Georgia — from Atlanta, Augusta, Savannah, Columbus to smaller commercial markets. Atlanta's logistics and film economy drives heavy demand for equipment, factoring, and working-capital lines.

Capital Range
$5M – $500M+
Time to Funding
3 – 5 Weeks
Coverage
All of GA
Overview

Direct Lending for Georgia operators.

Direct lending is non-bank, privately negotiated debt provided to middle-market companies. It bridges the gap between bank syndicated debt and high-yield bonds — typically with tighter covenants, faster execution, and more flexibility on structure than the public markets. Summit arranges senior secured, unitranche, second-lien, holdco, and structured equity-debt hybrids for both sponsor-backed and non-sponsored borrowers.

In Georgia, direct lending demand is concentrated in logistics and film — sectors where Summit's lender bench has deep underwriting history. We structure deals against Georgia bank deposits, AR, and equipment, and execute documentation under the state's commercial finance rules.

Whether you operate in Atlanta, Augusta, or a secondary market, the same desk handles intake, term-sheet negotiation, and funding — so Georgia operators get institutional execution without local-bank delays.

Best Fit

Who this works for in Georgia.

  • Sponsor-backed leveraged buyouts and acquisition financing
  • Family-owned and founder-led middle-market growth capital
  • Dividend recapitalizations and shareholder liquidity events
  • Refinancing existing bank or unitranche facilities
  • Georgia-based operators in logistics, film, trucking, construction — Summit's most active GA segments.
Typical Terms · GA
Facility Size$5M – $500M+
StructureSenior / Unitranche / 2L / Holdco
PricingSOFR + 450 – 900 bps
Term5 – 7 Years
LeverageUp to 6.0× EBITDA (unitranche)
RecourseNon-Recourse to Sponsor
Qualification
EBITDA$2M+
Revenue$15M+
Business ModelRecurring or Contracted Cash Flow Preferred
Management TeamEstablished, Institutional Quality
Use of ProceedsM&A / Growth / Refinance / Recap
GeographyGeorgia (GA)
Markets Served · Georgia
AtlantaAugustaSavannahColumbus+ Statewide

Ready to fund your Georgia business?

Same desk. Same execution. Indicative terms within 24 hours.

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