Growth Debt Advisory

We advise borrowers on optimal capital structures connecting qualified entrepreneurs with selected investors. 

Our Offer

Tradition Meets Future arranges and structures for your company the most suitable debt financing solution from the world’s most entrepreneurial debt providers.

  • We manage the entire debt financing process in all its complexity with countless loan-specific requirements.
  • We turn your amazing equity story into a credible credit story, thereby avoiding any later pitfalls.
  • With our support your company’s management can concentrate on their day-to-day operations.
  • Your success is our priority - over 90% of our fees are earned only upon success.
  • Our dedicated entrepreneurial team offers proven experience & expertise.

When Should You Raise Growth Debt?

  • “Mature” company that has been operational for at least 2 years.
  • Established product-market fit and a clear path to profitability.
  • Minimum revenue growth of at least 15% p.a. (y-o-y).
  • Revenues during the last 12 months should be at least €3M.
  • Sound and well-diversified governance structure enabling growth.
  • Equity financing from qualified investors (VC funds, family offices, or corporate venture arms).

Use of Funds

  • Sales, Marketing and Personnel Spend
  • Geographical and Vertical Expansion
  • Product Development and Fine-Tuning
  • General Corporate Purposes
  • M&A and Consolidation Strategies
  • Bridge between equity rounds
  • Extend cash runway & avoid “down rounds"

Why Partner With Us?

We identify the optimal growth debt solutions that align with your business needs. Our extensive network of over 150 financing partners ensures access to the right capital structure to support your expansion without diluting equity.

We believe in efficiency and transparency. Our legal documentation remains nimble and concise. We streamline the financing process to ensure clarity and fast execution. No hidden terms — just straightforward solutions that work for you.

As entrepreneurs ourselves, we understand the challenges of scaling a business. We offer strategic guidance, leveraging our deep expertise and network to help you achieve sustainable growth.

We bring a creative and flexible approach to structuring growth debt, ensuring solutions that adapt to your evolving needs — all while fostering a collaborative and enjoyable partnership.

We Manage a Clear and Efficient Process

Step 1

Entrepreneurs approach TMF for tailored growth debt solutions. In this first step, we swiftly assess each business to develop a customised financing strategy.
Initial Consultation

Step 2

Our team conducts an in-depth assessment of your financials, business model, and growth plans, a crucial step for startups and scale-ups due to their higher risk profiles.
Assessment and Preparation

Step 3

Using our extensive network, TMF presents your business model and capital requirements to banks or investors aligned with your company’s needs. This step is crucial in securing the right financial partners for your venture.
Introduction to Potential Lenders

Step 4

TMF facilitates initial discussions with potential lenders, giving you the opportunity to present your business and explore potential terms with our guidance.
Preliminary Discussions with Lenders

Step 5

TMF Growth supports and coordinates the due diligence process led by interested lenders. As an entrepreneur, you will collaborate closely with us, providing key insights into your business, market, and strategic plans.
Detailed Due Diligence by Lenders

Step 6

Once a lender proceeds, they issue a term sheet. TMF negotiates key terms on your behalf, including interest payments, collateral, and equity warrants.
Term Sheets from Lender

Step 7

With TMF's support and guidance, you will secure the optimal terms and conditions for your growth debt facility, ensuring a mutually beneficial agreement with the lender.
Negotiation and Agreement

Step 8

TMF reviews the final documents to formalise the debt facility, ensuring your interests are protected.
Final Documentation and Legal Review

Step 9

Once the documents are signed, funds are disbursed as per the agreed schedule, typically starting with an initial lump sum followed by additional tranches.
Signing and Fund Disbursement

Step 10

Throughout the loan term (12 months to 7 years), TMF provides ongoing support and assists with monitoring.
Ongoing Management and Support