Alta Torres Capital is a digital-first M&A capital advisory firm. We place senior debt, unitranche, mezzanine, and outside equity for first-time buyers under LOI on conventional, non-SBA acquisitions. No 90-day SBA timeline.
Most M&A advisors take 90 days to deliver term sheets. By then your LOI is dead or your seller has renegotiated. Alta Torres Capital runs a disciplined non-SBA raise — packaging in 72 hours, lenders shopped in parallel, offers landing inside your exclusivity window.
Every deal's structure is different. We model three versions of your capital stack before any lender call so each conversation is directional — instead of open-ended.
Conventional senior acquisition loans — term loan + revolver, asset-based facilities, and unitranche from sponsor finance groups. SOFR + 4–5% typical at $2M+ EBITDA.
Single-facility senior debt from BDCs, SBICs, and private credit funds. Interest-only or light amortization, balloon at maturity. Often structured without a personal guarantee.
Subordinated capital with 10–12% coupons plus warrants or a small equity kicker. Fills the gap between the senior loan and your equity check — covenant flexibility senior banks won't offer.
Family offices, search-fund-friendly PE firms, and independent sponsors. The check most first-time acquirers think they have to write themselves — and don't.
If the target owns its real estate (wedding venue, manufacturing plant, medical office, self-storage), structuring a sale-leaseback at close to convert real-estate equity into cash that lowers the buyer's equity check.
Treated as flexible capital, not residual filler. We negotiate rate, term, amortization, standstill, and subordination — typically 10–15% of price at 6–7% with a 5-year bullet in soft seller markets.
We qualify the deal against eight specific criteria — $2M+ EBITDA, under LOI, conventional non-SBA stack, U.S. close. If you're not a fit, we tell you on the call.
Sign an engagement letter with a small refundable retainer. Fully refunded if your deal doesn't close. Skin in the game — aligned incentives.
Anonymized one-page deal package out to 12–20 lenders within 72 hours. Term sheets back inside 14 days. You compare on terms, not logos. We walk the deal to close.
Alta Torres Capital is built by Brandon Hopen — an investor with prior experience at a multi-family office with $100 billion in assets under supervision. The firm exists because the gap between “Main Street SBA shop” and “bulge-bracket investment bank” was being underserved for first-time acquirers running $2M+ EBITDA non-SBA deals.
Prior investment experience at a multi-family office with $100 billion in assets under supervision, working alongside sophisticated family offices and institutional investors. Built Alta Torres Capital to bring institutional discipline to the buyer-side capital raise for first-time acquirers.
Non-SBA acquisition financing is any acquisition loan that doesn't use the SBA 7(a) program — typically a conventional senior term loan, asset-based loan, unitranche facility, or mezzanine debt. It's the standard option for $2M+ EBITDA acquisitions because SBA 7(a) caps at $5M, requires a personal guarantee, locks out non-citizens, and adds 60+ days to the close.
Early cohort gets direct founder access, first crack at the lender network, and priority on term sheets. If you're under LOI on a $2M+ EBITDA deal and SBA isn't the right fit — start here.