Middle Market Lending

Middle Market Lending is built for companies that have outgrown “small business” financing.

You are scaling.
You are adding locations.
You are hiring teams.
You are buying equipment.
You may be acquiring a competitor.

That takes capital.

Middle Market Lending gives you custom financing options built around your goals.

Loan amounts from $500,000 to $20MM+
Flexible terms up to 10 years
Competitive interest rates
Secured and unsecured options available

When growth is real, cookie-cutter lending breaks.

Middle Market Lending fixes that.

---

What is Middle Market Lending?

Middle Market Lending is financing for businesses that are larger than a typical small business, but not large enough for big syndicated Wall Street credit.

The Federal Reserve describes “middle market lending” as credit for firms larger than small businesses but too small for large-scale commercial lending or syndicated credit.
https://www.federalreserve.gov/econres/notes/feds-notes/are-there-competitive-concerns-in-middle-market-lending-20200810.html

In plain terms: you are big enough to need more money, more structure, and better terms.

Middle Market Lending can support:

Growth capital
Strategic acquisitions
Equipment expansion
Working capital improvements
Recapitalizations
Refinances

It can include senior debt, subordinated debt, mezzanine financing, and structured debt solutions depending on your deal.

---

Why Middle Market Lending matters now

Mid-sized companies are competing in a faster market.

Labor is expensive.
Inventory costs move fast.
Supply chains shift.
Rates change.

Companies that can deploy capital quickly win.

The Federal Reserve has tracked major growth in private credit and direct lending, including middle market activity tied to loans under certain size thresholds.
https://www.federalreserve.gov/econres/notes/feds-notes/private-credit-growth-and-monetary-policy-transmission-20240802.html

That trend exists for a reason.

Middle Market Lending often moves faster than traditional banks.
It can be more flexible than conventional credit boxes.
It can match complex transactions.

---

Middle Market Lending for growth capital solutions

Growth capital is not “nice to have.” It is survival capital.

Whether you’re expanding operations, acquiring a competitor, investing in new equipment, or improving cash flow, ROK provides access to custom financing options built around your goals.

Our network of institutional and private lenders offers:
Loan amounts from $500,000 to $20MM+
Flexible terms up to 10 years
Competitive interest rates
Secured and unsecured options available

These are growth capital solutions designed to bridge the gap when senior bank debt is not enough.

---

What types of companies use Middle Market Lending?

Middle Market Lending is a fit when you have real operating scale.

Common profiles include:

Manufacturing and distribution
Transportation and logistics
Healthcare services
Business services
Construction and specialty contracting
Franchise operators with multiple units
Technology and recurring revenue firms

Many of these companies need flexible capital structures, not one-size loans.

The FDIC notes commercial and industrial lending can include secured or unsecured credit for business purposes, including working capital advances and term loans.
https://www.fdic.gov/credit/commercial-industrial-lending

Middle Market Lending often sits inside this broader C&I world, but with deeper structuring and larger check sizes.

---

Middle Market Lending solutions we provide

We provides access to multiple middle market capital structures. The most common include:

Mezzanine Financing
Subordinated Debt Financing
Structured Debt Financing

Each solves a different problem.

The goal is the same: fund growth while protecting control.

---

Middle Market Lending and mezzanine financing

Mezzanine financing is capital that sits between senior debt and equity.

It can help you fund growth without giving up ownership.

The OECD defines mezzanine finance as instruments that sit between senior debt and equity, with features of both. It also notes that claims are subordinate to senior lenders.
https://one.oecd.org/document/DCD/DAC/STAT%282023%294/en/pdf

That is exactly why it works.

Mezzanine financing can provide a larger total capital stack than senior debt alone.

Mezzanine Financing overview

Whether you’re expanding operations, acquiring a competitor, investing in new equipment, or improving cash flow, ROK provides access to custom financing options built around your goals.

INVESTMENT SIZE: $500,000 to $20MM+
INTEREST RATE: Competitive interest rate
TERM: Flexible terms up to 10 years
EQUITY COMPONENT: Secured and unsecured options available

Optimal applications for mezzanine financing

Management-led buyouts and recapitalizations
Strategic acquisitions and market consolidation
Dividend distributions and shareholder liquidity
Growth capital for established enterprises

Mezzanine financing is often used when you want to avoid selling equity but still need a larger total funding amount.

---

Middle Market Lending and subordinated debt financing

Subordinated debt financing is also called junior debt or mezzanine debt in some deals.

It is junior to senior bank debt.
It is senior to equity.

It is used when senior debt is not enough to cover your growth plans.

Subordinated debt financing bridges the gap between traditional bank loans and equity. That gives your business capital to expand, acquire, or restructure without sacrificing control.

Our network of institutional and private lenders offers:
Loan amounts from $500,000 to $20MM+
Flexible terms up to 10 years
Competitive interest rates
Secured and unsecured options available

Subordinated Debt Financing overview

Whether you’re expanding operations, acquiring a competitor, investing in new equipment, or improving cash flow, we provides access to custom financing options built around your goals.

INVESTMENT SIZE: $500,000 to $20MM+
INTEREST RATE: Competitive interest rate
TERM: Flexible terms up to 10 years
EQUITY COMPONENT: Secured and unsecured options available

Optimal applications for subordinated debt financing

Management-led buyouts and recapitalizations
Strategic acquisitions and market consolidation
Dividend distributions and shareholder liquidity
Growth capital for established enterprises

If you need more capital but you do not want dilution, subordinated debt financing is often the clean answer.

---

Middle Market Lending and structured debt financing

Structured debt financing is customized debt built around the deal, the cash flow, and the risk profile.

It can be used for:

Growth and expansion
Strategic transactions
Acquisitions
Recapitalizations
Refinancing

Structured debt financing can blend multiple layers, such as senior + subordinated, or include special collateral packages.

Structured Debt Financing overview

Customized capital solutions for growth, expansion & strategic transactions.

Whether you’re expanding operations, acquiring a competitor, investing in new equipment, or improving cash flow, we provide access to custom financing options built around your goals.

Our network of institutional and private lenders offers:
Loan amounts from $500,000 to $20MM+
Flexible terms up to 10 years
Competitive interest rates
Secured and unsecured options available

INVESTMENT SIZE: $500,000 to $20MM+
INTEREST RATE: Competitive interest rate
TERM: Flexible terms up to 10 years
EQUITY COMPONENT: Secured and unsecured options available

Optimal applications for structured debt financing

Management-led buyouts and recapitalizations
Strategic acquisitions and market consolidation
Dividend distributions and shareholder liquidity
Growth capital for established enterprises

Structured debt financing is often the answer when the deal is too complex for a bank box.

---

Secured vs unsecured Middle Market Lending

Middle Market Lending can be secured or unsecured.

Secured options may include collateral like:

Accounts receivable
Inventory
Equipment
Real estate
Cash flow-based liens

Unsecured options may be available when cash flow, margins, and sponsor strength support it.

The right choice depends on:

Cash flow stability
Collateral quality
Leverage targets
Speed needs
Control preferences

---

What Middle Market Lending is used for

Middle Market Lending is commonly used for:

Expanding operations
Acquiring a competitor
Investing in new equipment
Improving cash flow
Funding hiring and build-outs
Refinancing expensive debt
Funding a recap

These transactions are time-sensitive.

If you move slow, you lose the deal.

---

Why companies choose us for Middle Market Lending

Whether you’re expanding operations, acquiring a competitor, investing in new equipment, or improving cash flow, we provide access to custom financing options built around your goals.

Our network of institutional and private lenders offers:
Loan amounts from $500,000 to $20MM+
Flexible terms up to 10 years
Competitive interest rates
Secured and unsecured options available

You get access to institutional and private lenders, plus deal structuring that matches real growth goals.

This is not “submit an app and hope.”

This is structured capital.

---

Our process for Middle Market Lending

OUR PROCESS — Streamlined approach.

Our systematic methodology ensures optimal outcomes through rigorous analysis and strategic structuring.

01 — Application Review

Comprehensive assessment of your business model, financial performance, and strategic objectives through our streamlined evaluation process.

02 — Structure Design

Customized financing architecture designed to optimize your capital structure and alignment of interests across all stakeholders.

03 — Due Diligence

Thorough due diligence and underwriting process, ensuring institutional-grade analysis and risk assessment protocols.

04 — Capital Deployment

Capital deployment with ongoing partnership, leveraging our network and industry expertise for continued growth.

That process matters because middle market deals live or die on structure.

---

What you should prepare for underwriting

To move fast on Middle Market Lending, expect to provide:

Recent financials (P&L and balance sheet)
Trailing twelve-month performance
Current debt schedule
Use of proceeds details
Ownership and management profile
A clear story for repayment

For acquisition financing, you also need:

Target company financials
Purchase agreement basics
Synergy plan (how the deal improves cash flow)

Middle market underwriting is not “hard.”
It is just thorough.

---

Middle Market Lending built for scale

Middle Market Lending is for companies that are done thinking small.

It is for operators who want to scale with confidence.

Loan amounts from $500,000 to $20MM+
Flexible terms up to 10 years
Competitive interest rates
Secured and unsecured options available

If you are expanding operations, acquiring a competitor, investing in new equipment, or improving cash flow, Middle Market Lending can be the most efficient path to capital.

Apply.
Get reviewed.
Get structured.
Deploy capital.
Scale.