Sullivan Commercial debt and capital insights
In-depth analyses on private credit mechanics, capital allocation trade-offs, equipment preservation strategies, and structural liquidity options for growing enterprises.
Why Private Lenders Can Move Faster and Underwrite Real Risk
For many businesses, access to capital is not simply a question of price. Timing, certainty of execution, and flexibility can be equally important. Why private lenders evaluate economic risk differently than traditional banks.
Read the analysis →Equipment Financing: Protecting Balance Sheet Cash in Volatile Cycles
When economic conditions are volatile, deploying significant balance sheet cash toward long-lived physical assets can compromise liquidity. How spreading asset costs over time protects operational flexibility.
Read the analysis →Term Loans vs. Lines of Credit: Locking In Predictable Growth Capital
Choosing between term loans and lines of credit is less about determining which product is better and more about how capital will actually be used: term loans typically finance investments; lines of credit typically finance timing.
Read the analysis →Revolving Lines of Credit: Ensuring Continuity When Cash Flows Vary
Profitability and liquidity are not the same thing. How a revolving line of credit functions as a financial shock absorber, bridging the gap between cash outflows and customer collections to ensure operational continuity.
Read the analysis →Merchant Cash Advance: Converting Real-Time Sales into Working Capital
For businesses with consistent daily transactions, traditional bank underwriting moves too slowly. How merchant cash advances convert current revenue velocity into immediate liquidity for short-duration opportunities.
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