Revolving Junior Facility
Unlock $2M–$20M in Flexible, Non-Dilutive Capital Designed to Sit Behind Your Senior Facility.
Access a revolving junior credit facility that expands liquidity, supports growth, and complements your existing bank or ABL relationship — without equity dilution or operational friction.
EMC Financial provides revolving junior facilities structured to work alongside existing bank and asset-based lending relationships.
Our process is streamlined, with indicative proposals typically issued within one to two business days and funding completed in as little as three business days.
Facilities are tailored with flexible structures, limited covenants, and simplified reporting requirements designed to support operational growth and liquidity needs.
Flexible Capital Solutions for Middle-Market Companies
Capital Range
$2M–$20M+
Execution Speed
Funding in as little as 3 business days
Use of Proceeds
Working capital, refinancing, acquisitions, growth initiatives, and liquidity support
Structure
Revolving junior credit facility structured to complement existing bank and asset-based lending relationships
Security
Supported by enterprise cash flow and overall credit profile rather than hard collateral
Ownership Impact
No equity dilution, warrants, board seats, or loss of operational control
Our Funding Process
Step 1
Initial Application
- Secure Intake Form
- Recent Bank Statements
- Financial Statements
Step 2
Review & Term Sheet
Indicative financing proposal delivered within one to two business days.
Step 3
Final Due Diligence
Management call, revenue verification, and commitment issuance.
Step 4
Electronic Closing & Funding
Electronic document execution followed by funding within 4–8 business hours.
Who We Typically Fund
- Companies with $10M–$1B+ in annual revenue
- Established operating history and consistent cash flow
- Public, private equity-backed, and founder-owned companies
- Businesses navigating growth, acquisitions, recapitalizations, or strategic transitions
- Industries including healthcare, construction, logistics, manufacturing, technology, consumer goods, energy, and business services
We partner with companies demonstrating operational stability, healthy banking activity, and scalable revenue profiles.
EMC Financial has structured over $1.3B in growth capital across 1,800+ transactions spanning multiple industries and market cycles. Our approach remains consistent: responsive execution, flexible structuring, and reliable access to capital when timing matters most.
Ready to Expand Liquidity?
Let’s structure a revolving junior facility designed to increase liquidity, support strategic growth, and work alongside your existing senior lender relationships.