BIzCap

What BIzCap does

BizCap (legal entity Business Debt Solutions, Inc.) is a privately held commercial finance and restructuring advisory firm founded in 2002 by Chuck Doyle. The firm originates, structures, and places non-dilutive credit facilities for middle-market companies, with typical deal sizes ranging from $5 million to $300 million. Its core service lines are Asset-Based Lending Services, Growth Capital (including mezzanine, subordinated debt, and unitranche), Distressed Buyouts and M&A, and Special Situations & Turnaround Advisory (including DIP financing, bankruptcy exit financing, and restructuring). The firm is differentiated less by a technology platform than by a proprietary curated process that runs competitive auctions across a network of more than 10,000 capital providers, leveraging direct relationships with senior credit decision makers to optimize cost and structure for each client.

BizCap's revenue model is success-based: the firm is compensated through transaction and advisory fees upon closing, which aligns its incentives with client outcomes. Origination is predominantly referral-driven through a long-standing network of lenders, law firms, CPAs, private equity sponsors, and venture capital firms. The company is led by President and founder Chuck Doyle (Certified Turnaround Professional), Chief Credit Officer Michael Hengl (34 years in asset-based lending), and a small named team of directors, VPs, associates, and analysts across six US offices (San Francisco HQ, Dallas, Denver, Los Angeles, Tampa, Boston) and three international markets (UK since April 2024, Germany launched November 2025, Canada relaunched December 2025). To date, the firm reports facilitating over $3.5 billion (and per some sources $4.5 billion+) in non-dilutive credit solutions across 787+ clients, with no technology platform product, app, API, or SDK offerings disclosed.

Name

BIzCap

Legal name

Business Debt Solutions, Inc.

Website

https://bizcap.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

BizCap is a privately held commercial finance and restructuring advisory firm founded in 2002 that structures and places $5M-$300M non-dilutive credit facilities for middle-market companies, including those in special situations and distressed scenarios, across six US offices and three international markets.

Ownership category

akta.pro rank

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Commercial Finance Advisory Fees: BizCap provides commercial financing and advisory services to middle market companies. The firm is compensated based on success, maintaining total alignment with client objectives throughout the process. Revenue is generated through fees for structuring and securing credit facilities, refinancing, and advisory mandates.
2. Success-Based Financing Arrangement: The company earns compensation based on successful transaction closings. This creates alignment between BizCap and client objectives, with the firm motivated to deliver results rather than simply processing applications.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

BizCap is a commercial finance and advisory firm that structures, sources, and secures non-dilutive capital solutions for U.S. and international middle-market companies. Its core offerings span four service lines — Asset-Based Lending, Growth Capital, Distressed Buyouts/M&A, and Special Situations & Turnaround Advisory — across an integrated capital stack of senior secured debt, subordinated debt, mezzanine debt, and structured equity, with typical deal sizes of $5M to $300M.

Product overview

BIzCap is a commercial finance and advisory firm (not a software/SaaS company) that provides non-dilutive capital solutions ranging from $5 million to $300 million. The company operates four core service lines: Asset-Based Lending Services (leveraging business assets for working capital and acquisitions), Growth Capital (for buyouts and expansion), Distressed Buyouts/M&A, and Special Situations & Turnaround Advisory. These services are supported by an integrated capital stack offering ranging from Senior Secured Debt (term loans, revolvers, DIP financing) through Subordinated Debt, Mezzanine Debt, to Structured Equity/Hybrids. The company primarily serves middle-market companies across diverse industries and geographies.

Differentiator

Problem solved

Functional benefit

Products and services

• Asset-Based Lending Services

Quantifiable outcome

• $3.5 billion+ in non-dilutive credit solutions delivered to companies
• +3 more outcomes

Named customers12 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered minor.

• Team IMPACTminorOthersNon-profit partnership improving quality of life for children facing life-threatening illnesses through sports. BizCap contributes financially and through leadership participation on Advisory Committee in California.
• Raphael House of San FranciscominorOthersPartnership with the first shelter for children and families experiencing homelessness in Northern California. Provides residential services, after-school tutoring, and family support programs.
• Special OlympicsminorOthersGlobal sports organization providing year-round training and competitions to children and adults with intellectual disabilities. BizCap provides financial backing and volunteer time in local community.
• Boys & Girls Club of Greater NashuaminorOthersYouth organization providing safe after-school environment with mentors and enriching opportunities. BizCap supports through financial contributions.
• Sky's the Limit FundminorOthersNon-profit transforming lives of at-risk youth through wilderness therapy programs. BizCap contributes to support families of youth in crisis.
• United Religions InitiativeminorOthersGlobal grassroots interfaith network cultivating peace and justice by bridging religious and cultural differences to create community and solve local and global challenges.

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Monroe Capital: Middle-market direct lender and advisor offering senior, unitranche, and mezzanine financing — competes with BizCap on growth capital and structured debt mandates.
• Gordon Brothers: Global advisory and investment firm specializing in special situations, distressed M&A, and asset-based lending — directly comparable to BizCap's special situations and turnaround advisory practice.
• Marquette Business Credit: Asset-based lender serving middle-market companies with revolver and term loan structures, competing head-to-head in the same $5M-$300M deal range as BizCap.
• White Oak Global Advisors: Private direct lender providing senior secured, asset-based, and specialty financing to U.S. middle-market companies, closely matching BizCap's mandate range and structure.
• SSG Capital Advisors: Investment bank focused on special situations, restructurings, and distressed M&A advisory — directly overlaps BizCap's distressed buyout and special situations mandates.
• Encina Business Credit: Specialty finance company focused on asset-based lending to middle-market borrowers — a direct competitor in BizCap's core ABL and growth capital product lines.

Broad incumbents

• CIT Group / First Citizens Bank: Established commercial bank with deep middle-market lending, asset-based lending, and capital markets capabilities — a much larger incumbent that BizCap often works alongside or against on middle-market mandates.
• Alvarez & Marsal: Global professional services firm specializing in turnaround, restructuring, and special situations advisory — adjacent competitor for BizCap's distressed advisory mandates at significantly greater scale.
• Cerberus Capital Management: Large alternative investment manager with significant distressed, special situations, and middle-market lending capabilities — operates at much greater scale than BizCap but in overlapping product categories.

Others

• FTI Consulting: Global advisory firm with a corporate finance and restructuring segment — relevant because BizCap VP Tim Gaines is an alumnus, and FTI often co-advises on the same restructuring and special situations mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/biznesscapital
• Facebookfacebook.com/1417952238459941
• LinkedInlinkedin.com/company/businesscapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds3 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments7 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BIzCap