Commercial advisory & lending Solutions for serious Business & Real Estate operators

Capital Strategy & Lending to Keep Your Business Moving.

LendCraft Capital Advisors helps businesses and real estate investors structure smart deals, secure the right debt, and move quickly when opportunity strikes—all under one roof.

Typical client: $100k–$25M deal volume

Tailored advisory for acquisitions, refinances, and working capital
Access to a curated network of commercial lenders
Fast, underwriting‑ready packaging of your deal

Request a confidential capital review

Share your current need or deal and we’ll outline options within 1–2 business days.

No obligation. We never share your information without your approval.

Capital Advisory Built On Real Transaction Experience.

We operate at the intersection of lending, underwriting, and operator reality—helping you structure deals that actually close.

$250M+

Capital advised across debt, equity, and refinances.

10–25%

Typical improvement in total financing terms vs. initial offers.

24 hrs

Initial fit assessment for most opportunities and transactions.

What We Do for Operators and Investors

LendCraft Capital Advisors blends underwriting discipline with on‑the‑ground operator experience. We help you see around corners, select the right capital stack, and present a clean, lender‑ready story.

Capital strategy & structuring

From acquisition to refinance, we define the right leverage, terms, and structure for your goals and risk tolerance.

Deal‑by‑deal capital stack design
Bank, non‑bank, and private options
Sensitivity and downside planning

Lender packaging & placement

We translate your opportunity into lender language, prepare underwriting‑ready files, and manage the process with select partners.

Complete lender package preparation
Term sheet comparison & negotiation support
Coordination through closing

Ongoing portfolio advisory

We act as your external capital team—monitoring maturities, surfacing refinance opportunities, and keeping lenders informed.

Refinance and restructuring analysis
Covenant and relationship management
Quarterly capital strategy reviews

Who We Serve

Specialized capital advisory for small business owners and real estate investors who are actively acquiring, building, or optimizing portfolios.

For real estate investors

Debt and structure for your next acquisition or refinance.

We help investors in multifamily, mixed‑use, industrial, office, and specialized asset classes secure bank and non‑bank financing that matches the business plan.

Bridge, value‑add, and permanent loans
Construction and redevelopment financing
Portfolio recapitalizations and cash‑out refis

For small business owners

Financing growth, acquisitions, and working capital.

We support owner‑operators, professional practices, and lower‑middle‑market companies in mapping and securing the right mix of SBA, conventional, and specialty credit.

Business acquisitions and partner buyouts
Asset-based financing programs
Working capital, lines of credit, term loans, SBA, and recapitalizations

A Clear, Lender‑Ready Process.

We move from discovery to live lender conversations in days—not months—while protecting your time and your reputation in the market.

Step 1

Discovery & Deal Review

We review your financials, deal thesis, and timelines. Within 24-48 hours you receive an assessment of fundability and likely terms.

Step 2

Capital Design & Positioning

We work with you to refine the story, tighten assumptions, and build a complete underwriting-ready submission that frames you as a credible operator.

Step 3

Lender Conversation & Closing

We engage a targeted group of lenders, help evaluate terms, structure, negotiations, and closing.

Representative Transactions

Every deal is unique, but the mandate is consistent: protect downside, keep flexibility, and move quickly enough to win opportunities.

$3.1M SBA 7(a) and conventional combo for a multi‑location service business acquisition, reducing equity injection from 20% to 10%.

Buyer: experienced operator with limited collateral. Deal structured around cash flow and integration plan.

$8.2M bridge‑to‑perm financing for a 92‑unit multifamily repositioning, improving leverage by 7% and securing 24 months of interest‑only.

Sponsor: first‑time syndicator with strong operating partner. Timeline from mandate to signed term sheet: 17 days.

$1.4M owner‑occupied real estate refi and working capital line for a medical practice, cutting debt service by 19% while extending amortization.

Outcome: unlocked cash for expansion and hiring without sacrificing long‑term stability.

What Clients and Partners Say

We are long‑term biased. Many clients treat us as their first call before they sign an LOI or term sheet.

“As a lender, I appreciate when a deal shows up with LendCraft's fingerprints on it. The underwriting is easier, the risks are addressed up front, and the sponsor is prepared.”

Senior VP, commercial lender

“LendCraft spoke lender and operator in the same sentence. They pulled our numbers and story into a package that lenders immediately took seriously.”

Principal, regional multifamily operator

Frequently asked questions

If you are evaluating a specific opportunity or planning for the next 6–12 months, a brief conversation can clarify your options.

What size of deals do you typically work on?

Most of our work is with transactions and portfolios between $500k and $25M, whether that is a single property, a small roll‑up, or a refinanced portfolio. If you are slightly outside that range, we are still happy to review and point you in the right direction.

How are you compensated?

Depending on the engagement, we may charge a fixed advisory fee, a success‑based fee at closing, or a combination of both. All economics are clearly defined up front, and we are transparent about how lenders compensate intermediaries where applicable.

Do you replace my existing banking relationships?

Not necessarily. In many cases we work alongside your existing bank, either to expand their appetite, restructure existing facilities, or create complementary relationships that give you more flexibility while preserving history and goodwill.

Can you help if I already have a term sheet?

Yes. We frequently review live term sheets to benchmark against the market, surface negotiation points, and, where appropriate, introduce alternatives so you can decide from a position of strength.

Where are you based and where do you work?

Summit Capital Advisory is based in the U.S. and primarily supports clients across the United States. In specific situations we can coordinate with cross‑border or international lenders—reach out with details and we will advise on fit.

Next step

Share your opportunity. We’ll map the capital path.

In a brief conversation we’ll review your goals, timing, and constraints, then outline practical financing paths you can execute—whether with us, your existing bank, or other partners.