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


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+
1000+
$1M-$500M
$0
Access capital when traditional banks won't. Flexible terms, competitive rates, and no upfront fees from lenders ready to move fast.

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

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

Get a loan proposal in days, not weeks. Our streamlined process moves your deal forward quickly.
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.’
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
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
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
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
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
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
CFO, Growth-Stage Retail

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