You bring the file
Send the engagement request through the professional contact form, or pick up the phone. Include the use of proceeds, the rough size, and where the client sits today. We respond within one business day.
AFO · For partners
You bring the client. We handle the structuring.
Capital Toolkit's Alternative Funding Options module is built to plug into the engagements CPAs, finance brokers, and transactional lawyers already run. The relationship and the trust stay with you; the platform produces the coverage analysis, normalized financials, projection model, and provider package the deal needs.
The gap most professional engagements hit
Strong client, generic package, slow close.
The client has a real funding need — an acquisition, an expansion, a refinance, an R&D project. The professional has the relationship and a clear view of where the business is heading. What’s missing is the financial-package work the lender or grant program actually wants to see: normalized historicals, a coverage-tested projection, instrument selection across the catalogue, term-sheet review.
The CPA who does the client’s annual file isn’t always the same shop with capacity for a leverage stack. The finance broker has the lender network but not the financial-modelling depth. The transactional lawyer needs financing for deal flow but doesn’t want to become a financing practice. Each professional carries part of the picture; nobody carries the whole engagement.
Capital Toolkit is the missing structural layer. We’re built to plug into your engagement — not to replace it.
How the partnership runs
Plug-in engagement, scoped to the file.
Each professional partnership is structured per client, per file, at a flat fee confirmed before work starts. No retainer, no minimum commitment, no monthly fee. You stay the relationship lead; we stay the structuring lead.
We scope the engagement
Joint call with you and the client to confirm the structuring path. Engagement letter quoted at a flat fee — based on file complexity, not on placement. You stay the client's primary point of contact throughout.
We produce the package
Normalized financials, projection model, coverage analysis, provider-ready presentation, term-sheet review. Delivered to your standard format; ready to send to lenders or grant programs under your firm's letterhead if that's how you'd prefer to work.
Who this fits
Three professional archetypes.
CPAs adding funding advisory
You handle the client's books, tax, and financial statements. A funding need surfaces — equipment purchase, expansion, R&D claim — but you don't want to staff a full financing-advisory practice. We are the per-file structuring resource your firm can lean on without building it in-house.
Finance brokers & advisors
You have the lender network and the placement instinct. What slows you down is the financial-package work — the normalized historicals, the projection model, the coverage analysis. We produce that side of the engagement so your time goes to lender selection and negotiation.
Transactional lawyers & M&A advisors
Deal flow stalls when the financing piece isn't lined up. We sit underneath the deal team as the financing structuring layer — coverage analysis on the buyer, leverage stack design, term-sheet review against the share-purchase agreement. You stay the deal lead; we keep the financing on track.
What partner engagements deliver
The deliverables your client expects, in your firm’s voice.
Normalized financials
3–5 years of CPA-normalized historicals with adjustments documented. Ready for any lender's credit committee.
Coverage analysis
Debt-service coverage modelled at the proposed facility size, with sensitivity on revenue and margin assumptions.
Leverage stack model
Senior + ABL + mezz + grants + equity layered as a single stack, with blended cost of capital and waterfall analysis.
Provider-ready package
Executive summary, financials, projections, coverage analysis, management discussion — tailored per provider you target.
Term-sheet review
Clause-by-clause analysis of covenants, pricing grids, MAC clauses, prepayment, and guarantee scope before your client signs.
Post-close support
Covenant headroom tracking, borrowing-base certificate prep for ABL facilities, recurring lender reporting. Your client stays compliant, you stay informed.
What we won’t do
We’re a structuring partner, not a competitor.
- We won’t cross-sell your client. No marketing lists, no drip sequences. The engagement is scoped to the file you bring us; the relationship stays with you.
- We won’t bypass you. Provider conversations happen with you in the loop. Term sheets come back to you and your client at the same time — not just to the platform.
- We won’t replace the work you already do. If the existing CPA does the books and the annual file, that stays. We’re the structuring layer that produces the lender package; the rest of the client’s professional relationships stay intact.
- We won’t take a placement commission. Engagements are flat fee per file, quoted upfront. Eliminates the structural conflict of a broker who only gets paid if the deal closes — which can push toward closing the wrong deal.
Got a client file to discuss?
Tell us about the situation — use of proceeds, rough size, timeline — and we’ll confirm whether AFO is the right fit and what the engagement would look like. We respond within one business day. Confidential; no marketing lists.
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