Your projects pivotal moment starts here

Welcome to Pivotal Export Solutions Limited, your trusted partner in navigating the complexities of commercial and project funding. Based in Toronto, Canada, we leverage our deep understanding of funder history and private projects to provide commercial funding sourcing. Let us guide you to success in the global marketplace.

Capital Advisory Services

We offer a variety of diverse funding solutions to meet your business's unique financing needs. When you give us your project details, we can then suggest options and you referring you to our most reliable lending partners.

Our Role

We act as a capital advisory service where we work with business owners and entrepreneurs that are looking for capital to grow their business. We are part of a network of professionals who have helped over 6,000 companies raise over $800,000,000 (that’s almost one-billion-dollars) in capital. That includes debt finance (i.e. loans) and/or
equity finance (i.e. investors)

We source funds for many commercial projects in construction, healthcare, retail, real estate, manufacturing, utilities, green energy, petroleum, wholesale distribution, transportation, hospitality & technology. We do not fund cryptocurrency projects.

Why work with us

Our company will:

  • Get clear on your goals and get the funding you need to grow.
  • Save you time running your business and less time chasing capital.
  • Source funds based on cash flow rather than collateral.
  • Secure the Most Favorable Financing Terms for your business.
  • Not guarantee that we can fund all projects.
  • Not provide any seed or startup funding.  

Submitting your project to us.

Please email us using the contact form with a quick introduction of the project leaving your contact number and email address. We will email you back to acknowledge your initial email inquiry. We would appreciate if you could submit your project details in full on pdf. If we haven’t contacted you within 7 working days, please bear with us as we do receive a large amount of inquiries. (The period of time may change if there has been religious holidays, we usually experience delays of up to two weeks).

At this time our North American lending partners will only fund US and Canadian based businesses. 

Our funding sources

Private and public funds, banks, insurance companies, private lenders, private investors, family offices, investment companies, investment groups and private fund authorized representatives. Our direct lenders are established and have a history of successful funding placements. Capital Advisory Service, we do not accept responsibility for the lender partners we use.

Due to the nature of the lending partners we deal with, they will accept projects between $250,000 and 20 million USD.

Unlocking global opportunities

At Pivotal Export Solutions Limited, we are dedicated to helping US and Canadian businesses like yours drive their growth and exceed their goals. Our unique knowledge and tailored solutions set us apart. Contact us today to discover how we can help you grow your business.

Private Financing & Growth Capital

We arrange senior debt for stabilized assets with predictable cash flow, construction loans with draw schedules tied to milestones, bridge financing for value-add and transitional assets.

We source private financing and growth capital from credit funds and family offices. Structures include unitranche, mezzanine and preferred solutions that complement senior bank debt and keep total cost of capital competitive.

We provide secure debt for acquisition, refinance, bridge financing and development. We run the competitive process so you get competitive pricing and competitive terms across:

  • Commercial lending for real estate on owner-occupied and investment property
  • Commercial construction loan programs with interest-only during build and options to convert
  • Permanent take-out aligned to stabilized income and Debt Service Coverage Ratio targets

Commercial Funding We Provide:

  • Term and  Bridge Loans (Commercial, Construction, Real Estate)
  • Business Lines of Credit
  • Mezzanine - Equipment - Inventory - Cash flow Financing
  • Accounts Receivable Factoring
  • Subordinated Debt
  1. Facility sizes from $250,000 to $20 million USD
  2. Terms from 12 months to 10 years, fixed or indexed to Prime, Secured Overnight Financing Rate or Treasuries
  3. Advance rates based on collateral quality, leverage and documented cash flow
  4. Our Equity/Debt Finance ratio offer is 30% / 70%

Terms and Pricing

  • Rate: market-based, fixed for the term with points at closing
  • Leverage: purchase up to 70 to 80 percent LTV; total LTC sized to experience and plan
  • Rehab: funded by reimbursable draws against an approved budget
  • Fees: underwriting, legal, appraisal, and third-party reports disclosed up front, nothing hidden!
  • Terms and Conditions apply on a case by base basis and subject to underwriting and credit approval.

Eligibility

No Startups,  US or Canadian based businesses Only.

  • Time in Business: Over 1 year in business
  • FICO Score: 620 +
  • Annual Revenue: $600,000 to $100 million

 What You Will Need For Our Lending Partners

  • Business formation documents, EIN (Employer Identification Number)
  • Last year of business tax returns
  • Last year of completed financials (P&L, AR, AP, balance sheet)
  • 6 months of business account bank statements
  • YTD Financials 
  • YTD Business Debt Schedule

Our Process

  • Intake: A funding advisor conducts an initial consultation to understand the client's capital needs, timeline, and goals. 
  • Discovery and sizing: The funding advisor confirms your project plan, sources and uses, and target leverage with your launch plan, timeline and cash flow. (We do not collect any confidential or sensitive business documents at this stage) 
  • Lender Matching and Submission: The funding advisor vets potential lenders from an established network (banks, credit unions, private funds) based on who is most likely to approve the deal. The client is referred to an approved lender willing to review an application. 
  • We do not charge you any fees for our service, our fees are covered by our lending partners.

How Marketplace Lending Works

Lenders review time in business, revenue consistency, debt coverage, credit history and the quality of contracts or pipeline. Strong bank statements, clean tax filings, and a focused plan improve pricing. Final terms are always subject to underwriting and credit approval.

 

Contact us