Senior Secured Working Capital Solutions
We structure and execute senior secured credit solutions for middle market companies. Our focus is disciplined financing anchored by accounts receivable, designed to support dependable liquidity access and long-term operating stability.
We operate within a defined private credit framework centered on collateral performance, structural integrity, and institutional underwriting standards. Solutions are structured to align capital availability with asset quality, enabling businesses to operate with confidence and continuity.
A Commercial Finance Advisory Firm Focused on Structured Credit Solutions
Established 1999, EPOCH Financial is a commercial finance advisory firm dedicated to structured credit solutions for middle market companies. We structure and facilitate working capital solutions where accounts receivable represent a reliable and analyzable asset base.
Our advisory practice is built on a clear strategic focus:
Accounts Receivable Financing
AR-Anchored Asset-Based Lending
Selective Revenue-Aligned Bridge Capital
We concentrate on a disciplined segment of private credit where collateral transparency, repayment visibility, and structural protections define risk management. This focused approach allows us to deliver consistent underwriting standards, clear credit structures, and dependable execution.
Learn morearrow_forwardCore Financing Solutions
Accounts Receivable Financing
We structure and facilitate senior secured revolving credit facilities supported by eligible receivables. These facilities form a key part of broader structured credit solutions, where capital availability is driven by asset quality.
Borrowing capacity is determined through disciplined analysis of receivable quality, concentration levels, and historical collection performance. This approach ensures that capital availability remains aligned with measurable asset strength.
Such solutions provide reliable liquidity solutions for middle market companies, supporting working capital needs while maintaining operational control.
AR-Anchored Asset-Based Lending
Asset-based lending facilities are structured around defined borrowing base frameworks, with receivables serving as the primary collateral component.
These structures are designed to scale alongside asset growth while maintaining disciplined credit parameters. Where appropriate, additional collateral support may be incorporated to strengthen structural integrity.
As part of broader capital solutions for operating companies, AR-anchored lending supports consistent liquidity access while reinforcing balance sheet flexibility.
Revenue-Aligned Bridge Capital
We structure and facilitate selective bridge capital solutions to address defined transitional liquidity needs. These facilities are aligned with forward revenue visibility and clearly identifiable repayment sources.
Bridge capital solutions are typically structured for situations involving refinancing transitions, operational repositioning, or near-term liquidity events.
These solutions are delivered within a broader framework of structured capital solutions, ensuring alignment between capital deployment and business objectives.
Target Companies
Serving the Middle Market Businesses
We work with middle market companies that demonstrate operational discipline and consistent business performance, and structure and coordinate tailored credit solutions to support their growth.
We work with independent operators, management teams, private equity sponsors, and speciality finance platforms seeking structured corporate finance advisory support. Our focus is on businesses where asset quality and financial transparency support disciplined credit underwriting.
Typical characteristics include:
- checkRecurring business-to-business revenue
- checkTransparent financial reporting and receivable aging
- checkDefined cash conversion cycles
- checkEstablished operational infrastructure
- checkProfessional financial management
Industry Focus
Sectors with Durable Receivable Collateral
We focus on industries where receivables represent a consistent, measurable, and financeable asset base. Core sectors include:
These industries typically demonstrate predictable billing cycles, diversified customer bases, and structured receivable generation suitable for senior secured financing.
Our Approach
Disciplined, Selective, and Execution-Focused
Our operating philosophy is grounded in selectivity, structural clarity, and execution discipline.
Selectivity
We evaluate opportunities where collateral quality, reporting transparency, and operational stability support well-structured capital solutions.
Alignment
We structure capital solutions that support business stability while maintaining appropriate structural integrity and risk discipline.
Execution
Our process is designed for clarity and efficiency, with defined diligence workflows, coordinated documentation, and consistent performance visibility.
This approach enables dependable execution and long-term alignment.
Discuss a Financing Opportunity
We engage with management teams and private equity sponsors seeking structured working capital solutions.
Financial information may be submitted for confidential review. Each opportunity is evaluated through a disciplined process designed to provide clarity and timely feedback.
Submit Financing Inquiry