Loans Up to $500M

Capital for Companies Banks Won't Fund

Wingate Capital arranges $1M-$500M in senior and sub-debt financing when traditional lenders say no. No upfront payments.

Our track record

Three decades of funding non-bankable deals

Through our New York Financing house, over 1,000 transactions have been completed, both senior and sub-debt financing from hundreds of alternative lenders when banks say no.

30+

Years of lending

1000+

Deals completed

$1M-$500M

Loan range

$0

Upfront payments

Why Wingate Capital

Funding Built for Non-Bankable Deals

Access capital when traditional banks won't. Flexible terms, competitive rates, and no upfront fees from lenders ready to move fast.

Flexible Payment Terms

Flexible Payment Terms

Customize repayment schedules that fit your business cash flow. Terms negotiated to match your timeline.

Diverse consulting team engaged in collaborative strategic planning session around modern conference table with market analysis documents

Hundreds of Lenders

We represent 100+ non-bank lenders. Competition between them means better rates and faster approvals for you.

Fast Approvals

Fast Approvals

Get a loan proposal in days, not weeks. Our streamlined process moves your deal forward quickly.

How we work

Need More Capital to Grow or Run Your Business – You've Come to the Right Place

Banks are becoming more selective than ever in terms of the qualifications required for commercial lending. Banks receive their funds from depositors like you and me, and we don’t want them to take undue risks with our money. That’s why there are governmental oversight agencies that regulate banks and make sure that poorly performing growth companies or troubled companies do not become a part of their loan portfolio. This is where we come in. We represent several hundred non-bank lenders who obtain their funding, not from depositors but rather by selling various financial instruments through the capital markets or through private investors or hedge funds. These lenders are therefore able to be far more aggressive and entrepreneurial than banks. Happily, in most cases, they are not much more expensive either. One exception in the asset-based lending world is pricing based on loan size: the smaller the loan, the more costly the financing. With hundreds of these alternative lenders to choose from, we can almost always match the ‘lid with the pot.’

Client success

Companies that couldn't get bank financing got funded

See how startups, acquisitions, and operating businesses secured the capital they needed through Wingate Capital's alternative lending network.

Banks rejected us twice. Wingate Capital found lenders willing to finance our acquisition within weeks. The process was transparent and the rates were competitive.

David Rothstein

David Rothstein

CEO, Manufacturing Company

We needed $3M to scale operations. Traditional banks wanted collateral we didn't have. Wingate Capital matched us with lenders who understood our business model.

Lisa Chen

Lisa Chen

Founder, Tech Services Startup

The no upfront payment structure made a real difference for us. We could focus on closing the deal instead of worrying about financing costs before funding arrived.

Marcus Johnson

Marcus Johnson

Owner, Commercial Services

Wingate Capital's 30 years of experience showed. They knew exactly what lenders wanted to see and positioned our application to win funding on the first try.

Sarah Weinberg

Sarah Weinberg

Director, Acquisition Finance

We were stuck between bank minimums and high-cost alternatives. Wingate Capital found lenders in the middle who offered competitive rates and flexible terms we could actually work with.

Robert Martinez

Robert Martinez

Founder, Logistics Company

The team really listens. They didn't just rubber-stamp our application. They understood our cash flow challenges and matched us with lenders structured for our actual needs.

Jennifer Park

Jennifer Park

CFO, Growth-Stage Retail

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Get funding banks won't approve

Submit your financials today. We'll review eligibility and present a loan proposal designed for your business.