First Lien / Senior Capital Solutions
Financing That Puts Your Business First
Secure Funding with First Lien Capital Solutions
Reliable Capital with Priority Repayment ProtectionAt First Turn Capital, we offer First Lien/Senior Secured Capital Solutions that provide businesses with priority access to capital, secured by valuable assets. These capital solutions are structured to offer lower interest rates and stronger repayment protections, making them an attractive choice for companies seeking to fund acquisitions, refinance existing debt, or expand operations with minimal risk.
Our First Lien / Senior Secured Capital Solutions
Our First Lien Capital Solutions are ideal for businesses looking for a structured financing solution that ensures repayment priority. These capital solutions provide the highest level of security for lenders, which translates to better loan terms, lower rates, and greater borrowing capacity for you.
What It Is
Secure, Reliable, and Flexible Funding
This financing solution gives you access to the capital you need while keeping borrowing costs under control.
Priority Access to Capital
Because these capital solutions hold the first claim on assets, they allow businesses to secure larger loan amounts at lower costs compared to unsecured options.
Lower Interest Rates and Favorable Terms
The secured nature of these capital solutions makes them one of the most cost-effective financing solutions, helping businesses maximize their financial resources.
Flexible Uses for Growth
Funds from First Lien Capital Solutions can be used for expansions, refinancing, acquisitions, and operational investments, allowing businesses to scale with confidence.
Who They’re Best For
First Lien/Senior Secured Capital Solutions are best for businesses that need large-scale financing with lower risk. Whether you're funding acquisitions, refinancing debt, or investing in growth, these capital solutions provide strong financial backing with structured repayment terms.
Who Benefits Most?
- Companies seeking large-cap financing for acquisitions.
- Businesses refinancing higher-cost debt.
- Companies expanding operations while maintaining financial stability.
- Organizations looking for structured and secured funding solutions.
Why Choose Our First Lien Capital Solutions
Our expertise and commitment set us apart
Expert Team
Specialists in structured lending for large-scale financing.
Competitive Rates
Lower borrowing costs due to asset-backed security.
Fast Approval
Streamlined underwriting process for quick access to funds.
Key Features of Our First Lien Capital Solutions
What You Can Expect
Our SBA capital solutions come with several key features designed to offer you the best financing terms possible:
Loan amounts up to $50 million
Secure large-scale funding backed by business assets.
Lower interest rates
Benefit from reduced borrowing costs with priority-secured financing.
Flexible repayment terms
Structured loan schedules that align with your growth strategy.
Ideal for acquisitions and refinancing
Expand your business with confidence.
The Loan Application Process
Effortless Loan Application, Fast Results
We make securing financing simple with a straightforward process designed to help you submit what’s needed quickly—so you can access funding without unnecessary delays.
Initial Consultation
We assess your business’s capital needs and goals.
Document Submission
Submit financials, business details, and supporting documents.
Asset Review & Underwriting
We evaluate your profile and structure terms around your needs.
Approval
Our team finalizes your offer and prepares for funding.
Funding Disbursement
Funds are released quickly so you can move forward.
Required Documents Checklist
To get started with your First Lien / Senior Secured Capital Solutions application, please have the following documents ready:
- Business tax returns
- Financial statements
- Asset valuation reports
- Business debt schedule
- Company growth strategy
Your Business, Our First Priority
At First Turn Capital, we empower your growth with secure, top-priority financing. Our First Lien/Senior Secured Capital Solutions offer robust capital solutions for acquisitions, refinancing, and expansion. With clear communication, personalized service, and strategic financing, we’re dedicated to your success.
Access Top-Priority Capital
Leverage structured financing designed to safeguard your investments and drive growth.
Secure Your SBA Loan Today!Frequently Asked Questions
Your Go-To FAQ on First Lien & Senior Secured Capital Solutions
What is a First Lien/Senior Secured Loan?
A First Lien/Senior Secured Loan is a type of debt financing where lenders—known as first lien debt holders—hold the highest priority claim on the borrower’s collateral. In this arrangement, lien debt refers to the secured financial obligations backed by specific assets, guaranteeing that these lenders are repaid first if the borrower defaults.
How does this loan differ from second lien debt?
Second lien debt ranks below first lien debt in repayment priority. If a borrower fails to pay, senior debt holders receive repayment before creditors holding subordinated debt. Since lien debt is tied to company assets, first lien lenders face lower risk, while second lien lenders assume greater uncertainty in highly leveraged capital structures.
What happens if a borrower defaults?
If the borrower fails to repay, lien lenders have the first right to liquidate collateral (e.g., equipment, real estate) to recover funds. Other debt holders, like junior creditors, are paid only after senior claims are satisfied. The total liquidation value of the company’s assets determines how much remains for subordinated debt holders and other creditors, often resulting in partial payment or no repayment at all. Bankruptcy court oversees the process, prioritizing senior secured capital solutions before allocating any remaining proceeds to junior debt or unsubordinated debt holders.
Who typically provides First Lien/Senior Secured Capital Solutions?
First lien lenders include business development companies, banks, and institutional lenders. These entities issue senior secured capital solutions to companies that need necessary capital for operations, expansion, or acquisitions. By focusing on secured debt, these lenders reduce exposure to interest rate risk and market dynamics, making lien capital solutions a stable option in financial markets.
Can a business have other debts alongside a First Lien Loan?
Yes, businesses can carry other debt obligations, such as second lien debt or subordinated debt, but first lien debt holders have repayment priority. Senior secured capital solutions must be structured within a company’s capital structure to prevent conflicts with other creditors. This setup allows businesses to secure funding while maintaining financial stability.
Why do lenders prefer First Lien/Senior Secured Capital Solutions?
Lenders prefer first lien capital solutions because they offer lower risk due to secured debt backing and first claim status. Compared to junior debt, these capital solutions have lower interest rates and provide business development companies and institutional lenders with predictable repayment. This structure makes senior secured capital solutions a critical component of medium-sized enterprises’ financial strategies.
What risks do junior debt holders face?
Junior debt holders are lower in payment priority, meaning they receive funds only after senior debt holders are paid. If a borrower defaults, lenders holding junior debt may recover less, depending on the total liquidation of company assets. This is why junior debt often carries higher interest rates compared to secured capital solutions.
How does this loan benefit borrowers?
Borrowers gain access to secured capital solutions with lower interest rates than unsecured debt, making it easier to manage long-term financial goals. First lien capital solutions provide necessary capital while preserving company assets for future growth. By structuring debt correctly, businesses can secure first lien debt without heavily impacting their capital structure.
Is Your Business Ready for a Sale or Strategic Exit?
Why This 60 Second Form Is Worth Your Time
It’s the first step in exploring a potential M&A transaction with First Turn Capital.
- Uncover What’s Driving Your Valuation
- Spot Operational Gaps That Could Kill a Deal
- See If You’re Caught in the Owner’s Trap
- Understand What Buyers Are Really Looking For
Once you complete the form, a member of our senior M&A team will review it and follow up with a confidential, no-pressure call. We’ll walk through your responses, discuss timing, and share what today’s buyers are paying for, along with what they’re avoiding. Whether you're planning for the future or already entertaining offers, this is a smart place to start.
Stay Ahead with Insights Built for Business Owners
Start the Conversation With First Turn Capital
Thinking about a sale? Exploring growth capital? Planning for something in between? It starts with this form.
Give us 60 seconds, and we’ll help you make your next move with confidence.
Join hundreds of owners and executives who receive our monthly updates. We share practical insights on deal activity, valuation trends, and the strategies successful companies use to plan for a sale or partnership. It’s clear, focused content from advisors who understand both sides of the table.