WI · Direct

Direct Lending in Wisconsin.

Summit places direct lending with vetted lenders serving operators across Wisconsin — from Milwaukee, Madison, Green Bay to smaller commercial markets. Wisconsin manufacturers and dairy operators routinely combine equipment, ABL, and seasonal lines through Summit.

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

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

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

Best Fit

Who this works for in Wisconsin.

  • 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
  • Wisconsin-based operators in manufacturing, agriculture, paper — Summit's most active WI segments.
Typical Terms · WI
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
GeographyWisconsin (WI)
Markets Served · Wisconsin
MilwaukeeMadisonGreen Bay+ Statewide

Ready to fund your Wisconsin business?

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

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