NM · Direct

Direct Lending in New Mexico.

Summit places direct lending with vetted lenders serving operators across New Mexico — from Albuquerque, Las Cruces, Santa Fe to smaller commercial markets. New Mexico energy-services and GovCon firms typically access ABL and bridge capital tied to drilling and contract cycles.

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

Direct Lending for New Mexico 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 New Mexico, direct lending demand is concentrated in energy and construction — sectors where Summit's lender bench has deep underwriting history. We structure deals against New Mexico bank deposits, AR, and equipment, and execute documentation under the state's commercial finance rules.

Whether you operate in Albuquerque, Las Cruces, or a secondary market, the same desk handles intake, term-sheet negotiation, and funding — so New Mexico operators get institutional execution without local-bank delays.

Best Fit

Who this works for in New Mexico.

  • 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
  • New Mexico-based operators in energy, construction, government-services — Summit's most active NM segments.
Typical Terms · NM
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
GeographyNew Mexico (NM)
Markets Served · New Mexico
AlbuquerqueLas CrucesSanta Fe+ Statewide

Ready to fund your New Mexico business?

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

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