Meridian is a private direct lender to established small and lower-middle-market companies across the United States. We underwrite the operator, not the algorithm, and we keep the loans we make on our own balance sheet.
A focused product set, deliberately. Each facility is structured against how the business actually generates cash, not against a template.
$50K to $2M in growth capital, structured over one to seven years. For acquisitions, real-estate-light expansion, working-capital build, and partner buyouts.
$25K to $500K revolving facilities for working capital, inventory build, and seasonal cash-flow smoothing. Draw only when you need it.
$25K to $250K for early-stage operators with revenue but limited credit history. Designed for businesses too small for a bank and too operational for a venture firm.
$25K to $1M secured by the asset being purchased. Manufacturing equipment, fleet, professional gear, light industrial machinery. Title transfers at payoff.
A model can score a credit file. It cannot read a person, walk a shop floor, or hear what the customers actually say. We do all three before we wire money.
The capital we deploy is our own and our limited partners'. You speak with the person making the credit decision. No data resold, no broker shuffle, no surprise terms downstream.
Most of our book is repeat. We expect to fund a business again, which forces us to underwrite for what the operator can actually carry rather than for what we can extract this quarter.
We have walked a few hundred shop floors. We have priced through two rate cycles. We know what an honest set of financials looks like and what a beautified one looks like, and we price accordingly.
Most facilities close in fourteen to twenty-one days. Equipment and bridge facilities can close faster when the asset is straightforward.
A short intake call. We size the need, the product, and whether we are likely to be the right fit before either of us spends time on diligence.
Three years of financials, current bank statements, and a thirty-minute conversation with the operator. We do not require a deck.
A one-page term sheet within five business days of complete diligence. Rate, fees, covenants, and amortization, in plain English.
Documents, signatures, and wire. Most facilities fund within seven business days of an executed term sheet.
Meridian was the first lender we spoke with that actually understood our business before quoting a rate. Three loans later, they still are.
We answer inquiries within one business day. If we are not the right fit, we will tell you that on the first call and, when we can, point you to someone who is.