Generational transitions can be challenging for family-owned businesses, especially when the company needs to refinance debt, buy out an exiting shareholder and create enough liquidity for the next generation of leadership to move forward.

For a long-standing architectural metal manufacturer that has supported major commercial institutions such as medical centers and universities for over 30 years, Flatbay Capital provided a $1.2MM bridge loan to refinance existing bank debt, support the founder’s retirement and shareholder buyout, and create a more stable path for the business’s next chapter.

This transaction reflects how non-bank financing can be an effective solution when a business has meaningful value in its owner-occupied real estate, but conventional bank financing is limited by recent cash flow pressure, transition risk, or timing