How we work

Financing built around your business, not the other way around

After 30 Years of Helping Non-Bankable Commercial Transactions in the U.S. and Worldwide, Our Firm Remains Active in Funding Startups, Acquisitions and Operating Businesses

Non-bank lending network

Debt Settlement

The settlement and repayment of existing debt

No upfront fees

Working Capital

Growth capital to power your business

Startups and acquisitions

Acquisitions

Financing to assist in the acquisition of businesses

Operating business financing

Large Purchases

⁠We fund the purchase of land, buildings, and plant and machinery

Our foundation

Three decades of lending experience in one team

Wingate Capital represents a top financial services company headquartered in New York City that is accredited by the Better Business Bureau. We arrange senior and sub-debt financing for companies and individuals that cannot obtain adequate commercial bank financing. We represent hundreds of non-bank lenders and finance groups who can finance start-ups, acquisitions (where the borrower has little cash to contribute), and debt restructuring for troubled companies in most countries, with or without hard assets. We can arrange for 100% project financing, both domestically and worldwide, with no debt service required during construction and, in most cases, with NO equity stake taken in your project. Project size ranges from $1,000,000 up to $500,000,000+. This type of finance structure has certain minimum liquidity requirements to cover the cost of a capital raise which can often be as little as 1% or less against the total project costs. We have no upfront fees. We will review and analyze the client’s funding request at our expense and then seek to find an appropriate funding source from the hundreds we represent to provide the requested funding. Only after this process and Only if we are able to find a funding source who will give us specific financing terms based on the representations made by the client about their particular deal will we present a proposal to the client along with our broker fee agreement. At this point, the client can decide if they want to proceed with the specific terms and conditions offered by a specific funding source we are presenting to them and thus proceed to retain us to move forward. We always will refund the retainer if we or the funding source are unable to honor the agreement.

Client success

Companies that secured funding when banks said no

Wingate Capital helped these businesses get the capital they needed to grow, acquire, and scale operations without traditional bank limitations.

Wingate Capital understood our growth potential when banks wouldn't look at us. We closed our acquisition on time and within budget.

James Rivera

James Rivera

CEO, Manufacturing Company

The process was straightforward and fast. No surprises, no hidden fees. We had funding in place when we needed it most.

Amanda Chen

Amanda Chen

Founder, Tech Startup

We were expanding operations but lacked the credit history traditional lenders wanted. Wingate Capital saw past that and backed our vision.

Michael Okafor

Michael Okafor

Operations Director, Logistics Firm

The competitive rates and flexible terms made a real difference for our bottom line. This was exactly the partner we needed.

Lisa Gonzalez

Lisa Gonzalez

Owner, Commercial Real Estate Company

Wingate Capital moved faster than any bank could. Our financing closed in weeks, not months. That agility was critical to our deal.

David Weinstein

David Weinstein

Managing Partner, Acquisitions Firm

They didn't just approve the loan. They understood our industry and structured terms that actually worked for our cash flow cycles.

Sarah Mitchell

Sarah Mitchell

President, Distribution Business

FAQ

Common questions about our financing

Find answers to what borrowers typically ask us about loans, debt equity, and how we work.

Who qualifies for financing through Wingate Capital?

We work with startups, growing businesses, and companies acquiring other firms. If traditional banks turned you down, we likely can help. We focus on companies and individuals who don't qualify for standard commercial bank financing but have solid fundamentals.

What loan amounts does Wingate Capital offer?

We arrange financing from $1M to $500M. We work with our network of hundreds of non-bank lenders to match your business size and needs with the right funding source and terms.

How long does the financing process take?

After you submit financials, we complete a loan eligibility review and develop a loan proposal. The timeline depends on deal complexity, but we keep the process efficient and transparent from start to finish.

Are there upfront fees or hidden costs?

No upfront payments. You pay fees only when funding closes. We believe you shouldn't pay to find out if you qualify. Our rates are competitive because we represent so many lenders and can match your deal with the best fit.

What types of financing do you arrange?

Wingate Capital specializes in senior and sub-debt financing. We also work with debt equity solutions. Whether you need working capital, acquisition funding, or restructuring, we can find the right product from our lender network.

Why use Wingate Capital instead of approaching lenders directly?

We represent hundreds of non-bank lenders. Instead of pitching dozens of sources yourself, we shop your deal to the right lenders and negotiate on your behalf. Our 30 years of experience and 1,000+ completed transactions mean we know which lender fits which deal.

Still have questions?

Reach out to our team and we'll discuss your financing options in detail.