$10M Senior Debt

Deal Type: Term Loan / Growth Capital Refinance
Loan Amount: $10,000,000
Use of Proceeds:

Refinance existing $4.5M partner debt

Provide growth capital into 2026 planned exit

Expand Charlotte branch operations and agent network

Increase marketing and lead generation

Finalize proprietary CRM and AI marketing platform (20% of proceeds)

Structure: Senior secured term loan with attached warrants (1–3% depending on structure)
Collateral: Corporate and personal guarantees available

Company Overview

Company is a leading Medicare Advantage and senior-benefits distribution platform serving the rapidly expanding retiree market. The Company combines scalable call center operations, technology-driven marketing, and national carrier relationships to efficiently acquire and retain policyholders.

Founded: 2021

Industry: Healthcare / Insurance Technology

Current Revenue: $30M+ run rate with strong TTM cash flow

Debt: Single $4.5M note currently being refinanced (Ascent Partners)

Track Record: 14+ months of consistent debt service and positive cash generation

Transaction Highlights

Loan Size: $10,000,000

Use of Funds: 45% debt refinance, 35% expansion & marketing, 20% tech (CRM & AI)

Collateral: Personal and corporate guarantees

Investor Participation: 1–3% in equity warrants depending on structure and term

Exit Timeline: Target liquidity event (Private Equity or IPO) by 2026

Investment Rationale

Strong underlying recurring revenue model from Medicare Advantage enrollments

Clear path to liquidity event in next 18–24 months

Low leverage and stable cash flow coverage ratios

Scalable operations with tech infrastructure nearing completion

Growth Drivers

Expanding licensed agent network across multiple states

AI-driven marketing automation and CRM roll-out

Enhanced margins through centralized compliance and training

Continued population growth in senior demographics