Our Difference
Working with Capital Options gives your business access to our expert team, professionals with real lending experience, large-corporate debt advisory expertise, advanced cash-flow financing capabilities, and trusted relationships with senior lenders.
We go beyond traditional brokers and accountants, handling complex, strategic business loan facilities and banking structures the kind of expertise and experience rarely available to mid-market businesses, so you can unlock smarter funding solutions and pursue your growth ambitions with confidence.
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We know how bank credit teams view transactions, especially those that are outside the box. This helps us communicate better with banks and allows us to get better results for our clients.
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Which part of the bank you approach and which relationship manager represents your requirements can heavily influence the outcome. Our strong relationships with senior bankers who have real credit expertise give clients access to better conversations and consistently stronger financing results.
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Our management team brings more than 30 years of mid market lending and credit experience, with over $5 billion in transactions completed. This depth of expertise allows us to consistently deliver strong financing outcomes.
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We tell your story better. By producing bank grade credit papers that bankers value, our approach goes beyond merely handing over information. We deliver insight rich analysis shaped by our lending and credit experience.
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where complex deals are understood
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Successful track record across large and complex commercial finance transactions.
How We Add Value
Our value add framework is built around Pitch, Process and People.
We strongly believe that how you pitch a transaction, and who you pitch it to, has a major influence on the funding outcome.
Traditional funding methods rely on one approach. Gather financials, send them to a long list of lenders, and hope something lands.
We take a different path.
Our approach is built around pitching with precision, following a value added process, and engaging the right people in the right divisions inside banks to deliver stronger results.
Bankers value this because it makes their job easier and gives them a clearer understanding of the client, which leads to better outcomes all round.
PITCH: We prepare bank grade credit papers backed by analysis and a clear narrative, making it easier for decision-makers to say yes, especially on complex deals.
PROCESS: Our process is value added and based on debt advisory frameworks used at large corporates, but tweaked for mid market businesses, delivering superior results.
PEOPLE: Access and transaction experience with top tier bankers who provide next level expertise and service to clients.
Our Process
Our process applies a debt advisory approach commonly used by larger corporates, but tailored specifically for the mid market.
Its purpose is to add value at every step. It removes guesswork, sharpens clarity, and helps banks properly understand the client and its funding requirements.
It blends analytical rigour with strategic execution, giving businesses a process designed for clarity, control, and stronger results.
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Understand clients objective, funding needs and key challenges
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Clearly set out agreed scope of work and fee structure
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Conduct financial analysis, structure transaction and identify target lenders.
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Prepare a detailed credit paper, a bank grade information memorandum that helps banks understand the transaction and your story.
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Engage with banks and lenders and manage end to end credit process leading to a credit decision.
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Manage the process through to settlement with clarity momentum and support
Our Values
Professional without pretence
We show up prepared, structured, and accountable. Our professionalism is practical, not performative. Clients experience it in how we communicate, how we run processes, and how reliably we deliver.
Rigour, detail, and discipline
Outcomes are shaped by preparation. We value precision, structure, and discipline in how funding is positioned, documented, and executed. Details matter because banks care about them, and so do results.
Trust earned through action
Trust is built by doing what we say we will do. We are transparent, consistent, and dependable, particularly in complex or sensitive situations. Clients trust us because we earn it, not because we ask for it.
Capability over posturing
Experience matters more than appearances. We rely on deep banking knowledge, judgement, and relationships, not hype or bravado. Clients work with us because we know how the system really works.
Straight talk and authenticity
We tell the truth early and clearly. If something can be done, we say how. If it cannot, we say why. There is no spin, no over-promising, and no theatre. Just honest advice grounded in reality.
Relentless focus on outcomes
We are problem-solvers, not spectators. We persevere, adapt, and push forward until the right outcome is achieved. Optics are irrelevant. What matters is getting the deal done properly and sustainably.
