LavaCap has pioneered the concept of Structured Situational Capital (SSCTM) with a simple premise — the situation should define the capital, not the other way around.
LavaCap’s unconstrained mandate customizes every financing around the borrower’s requirements rather than inflexible lender product boxes.
SSC rests on three attributes that set it apart from conventional lending.
Every facility is engineered around the borrower’s cash flows, assets and timeline, so the capital structure fits the business rather than forcing the business to fit the capital.
Learn moreOur terms are built to flex as circumstances change. Amortization, covenants and draw schedules give management room to operate, adapt and capture opportunity.
Learn moreWe succeed only when our borrowers do. Every investment is designed so our returns follow the company’s performance, making us a partner invested in the outcome rather than a lender waiting on it.
Learn moreTraditional lenders ask how a borrower fits their product. We ask how the capital should be shaped to fit the business.
Every facility begins with a blank page: the company’s cash flows, asset base, seasonality and strategic plan, not a term-sheet template.
We underwrite what others overlook, including contracts, receivables, IP, real estate equity and family-office support, and build the structure around it.
Tenor, amortization, pricing and tranching are calibrated so that each dollar of capital has a specific job to do.
Standardized products, fixed leverage multiples and box-checking credit criteria.
A capital structure engineered to the business: sized, secured and scheduled to its reality.
Businesses don’t move in straight lines. Their capital shouldn’t be rigid when circumstances change.
Covenant packages, amortization profiles and payment structures that give management room through transitions, seasonality and integration.
Delayed-draw, accordion and prepayment features let the facility grow, or step aside, as the business plan unfolds.
With decision-makers at the table from day one, we deliver term sheets in days and closings in weeks, while the window is still open.
Tight maintenance covenants, one-size amortization and long approval chains.
Room to operate, adapt and act on opportunity, without renegotiating at every turn.
We measure our success by one outcome: the success of the company we finance.
Performance-based pricing, step-downs and upside participation tie our return to the value the company creates.
Borrowers gain access to Eight Mile Capital’s 50+ operating partners and our own restructuring and capital-markets experience when it matters most.
Call protection and refinancing pathways are designed so the company can graduate to lower-cost capital as it succeeds.
Returns fixed at close, and lender interests that diverge when plans change.
Interests aligned for the life of the facility. We win when the business wins.