Private capital for business
Maxstone Capital lends its own private capital to businesses that are ready to grow, acquire or bridge to what comes next. Competitive rates, terms built around your cash flow, and decisions made by the people who own the capital.
01 · Direct
You speak with the people who make the decision. No brokers in the middle, no hand-offs between departments.
02 · Considered
Interest-only periods, amortizing schedules or a balloon at maturity, chosen around how your business actually earns.
03 · Competitive
Rates priced to the strength of the deal, with every fee written into the term sheet before you commit.
04 · Discreet
Your financials and plans stay between you and Maxstone, and are never shared without your consent.
Financing
Every facility is sized and priced to the business in front of us. These are the structures we use most.
Term financing for businesses expanding locations, adding capacity, hiring ahead of revenue or entering a new market.
Capital to buy a competitor, a supplier or a partner's shares, alongside your own equity and any vendor take-back.
Short-term capital that carries you to a known event: a sale closing, a refinance, a receivable or a bank facility coming through.
Financing secured against what the business already owns, unlocking value tied up in property, equipment or receivables.
Who we lend to
We look past a single credit score to the business itself: its cash flow, its assets, the people running it, and how the capital will be repaid.
Process
Tell us what the business does, how much you need and what it's for.
Two years of financial statements, recent interims, a use of funds and any projections.
An indicative term sheet: amount, rate, term, fees, security and conditions in writing.
We verify the numbers, the security and the people, then give final credit approval.
Loan documents signed through counsel, security registered, and funds advanced.
Request terms
Move the sliders to see what a Maxstone loan could cost each month, then send us your details.
Estimate only, before fees, at the illustrative rate. Your actual rate is set by Maxstone after review. Not an offer of credit.
Questions
We lend our own private capital, so we can look at the whole business rather than a fixed scorecard, structure terms around your cash flow, and give you a clear answer without layers of committees. Bank financing is often cheaper when you qualify for it; we're built for the deals that need more flexibility or more speed.
Rates are set deal by deal based on the strength of the business, the security, the term and the structure. Every rate and fee is written into the term sheet before you commit, and we aim to be competitive with other private lenders for comparable risk.
Usually two years of financial statements, current interim financials, a summary of existing debt, a use of funds and, for larger requests, projections. If security includes property or equipment, we'll also ask for recent appraisals or lists.
No. Maxstone provides debt financing. You keep ownership of your business.
We focus on businesses with operating history or real assets behind them. If you're earlier stage, tell us about it anyway; we'll say plainly whether it's a fit.