Key Details

• Deal Type: $550K term loan

• Deal Outcome: Funded in 33 days

• Broker's Challenge: Growth-stage company profile

• GlassBox Value Prop: Contracted revenue verification and financial normalization

• Preferred Lender: Citizens Bank

• Revenue Impact: $12k+ Commission

A growing managed services provider needed to refinance existing debt and secure additional working capital to support infrastructure upgrades and talent acquisition. While the business had strong contracted recurring revenue, rapid growth created uneven quarter-over-quarter metrics that complicated traditional underwriting.

Conventional banks were hesitant due to the company’s growth-stage profile and inconsistent quarterly debt service coverage, despite healthy annual performance and long-term customer contracts. The opportunity required a lender comfortable underwriting recurring revenue and evaluating performance on an annualized basis.

The Commercial Loan Broker used GlassBox Verified to verify contracted revenue streams, assess customer concentration, and normalize financial performance across growth periods. GlassBox structured the deal to highlight predictable cash flow and long-term revenue visibility rather than short-term fluctuations.

The broker routed the opportunity to an alternative lender whose credit box supported growth-stage service businesses with recurring revenue models. The lender structured a term loan aligned with the company’s revenue patterns and expansion plans.

The transaction closed in 33 days, allowing the company to consolidate debt, invest in infrastructure, and continue scaling operations. The Commercial Loan Broker earned a commission on the funded loan while maintaining the client relationship through the company’s next growth phase.