Business Capital

Business Capital (BizCap®), established in 2002 by founder and President Chuck Doyle, operates as a national commercial finance and advisory firm. The firm's inception followed the dot-com bubble burst and the 9/11 attacks, a period of economic turbulence that shaped its focus on guiding companies through financial crises. Prior to founding BizCap, Doyle was the president of one of California's fastest-growing privately held companies and held leadership roles in the technology and real estate sectors. His experience in syndicating over $4 billion in asset-based debt and executing complex financing transactions has positioned him as an advisor to boards of both public and private companies.

BizCap specializes in providing debt restructuring, asset-based financing, and growth capital to lower and middle-market commercial and industrial companies. The firm caters to a diverse client base, including profitable companies undergoing hyper-growth, businesses facing financial setbacks, and those requiring more working capital than their current lenders can offer. Its business model centers on augmenting a client's internal team, managing the process of securing capital to allow stakeholders to concentrate on revenue-generating activities. Compensation is success-based, aligning the firm's objectives with those of its clients.

The company's core services involve two primary strategies: recapitalization and restructuring. For growth, BizCap facilitates solutions like acquisition financing, mezzanine and subordinated debt, venture debt, and unitranche financing. This allows clients to leverage their enterprise value for acquisitions, buyouts, or other strategic expansions. On the restructuring side, the firm assists companies in navigating financial distress by reorganizing debt and resolving creditor claims. A key operational advantage is its proprietary process and extensive network of capital providers, which it leverages to create competition among lenders, aiming to secure the best cost and structure for its clients. Headquartered in San Francisco, BizCap maintains a national presence with additional offices in key markets.

Keywords: commercial finance, debt restructuring, asset based financing, growth capital, middle market financing, recapitalization, business advisory, corporate finance, turnaround management, debt advisory, mezzanine financing, subordinated debt, venture debt, acquisition financing, commercial credit, non-dilutive credit, secured financing, working capital solutions, corporate restructuring, financial advisory services