Flexible loans for small business
A smarter way to finance your company
We help business owners grow, acquire, or recapitalize without the cash debt service constraints of traditional senior debt. Our flexible loan structures reduce monthly payments by minimizing amortization and allowing a portion of interest to accrue, freeing up working capital for payroll, expansion, and investment in what matters most: your business.
We understand that strong businesses need flexible capital, not one size fits all products. Flatboat loans are built to fit your cash flow profile, not the other way around. The result is more liquidity, less pressure, and more room to run your business your way.
How we’re different
Flexibility
Most loans allow a portion of interest to be paid in kind (“PIK”), have annual amortization of 1%, and have no prepayment penalties
Access & Speed
As a direct lender, we move quickly and confidently. You deal directly with a member of our credit committee who can speak on behalf of Flatboat
Collaboration
The deal team you start with is the deal team you’ll always work with. We value deep relationships that are built over multiple business cycles
The small business is the heart of the American economy
Get in Touch
We can quickly provide a non-binding overview of key transaction terms