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Advantage
Commercial
Credit
Services

A solutions-focused boutique firm focused on providing lower middle market junior debt capital to clients operating across a broad spectrum of industries.

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Who We Are
Who We Are

Our Founding: Our Managing Member, Ryan Heckman, founded Advantage Commercial Credit Services to bring to the lower middle market a level of sophistication and service that previously was only available to much larger companies. We are committed to building successful, long-term relationships with ACCS clients and we draw on over 20 years of finance, banking and debt capital expertise when developing the best financing solutions to fuel our clients’ growth and success.

Clients We Serve: Our clients typically come to us with financing challenges that banks and other traditional commercial lending sources are simply not equipped to meet. We furnish debt capital to lower middle market clients ($5 million to $50 million in annual revenue) and our goal is to work relentlessly to find a path to "yes" for each client. This often means looking beyond traditional underwriting criteria, something that other lenders often fail to do.

Who We Are Not: Though we can assist with capital needs outside of our defined framework, it is important for prospective clients to know that we are not a broker. Nor are we an MCA or LOC provider, an ABL or a SBA lender, or an equity provider.

What Sets Us Apart: We combine a streamlined decision-making process with our team’s unmatched ability to identify, understand and leverage each client's unique attributes in order to craft creative financing solutions customized to fit that client’s specific needs.

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Debt Capital

We are a consulting firm with access to a broad array of debt capital resources. ACCS can advise on adaptable debt instruments such as junior, mezzanine, or subordinate debt capital and guide you through covenant light agreements that work for you. Consistent with our comprehensive and customized approach, we do not use one-size-fits-all transaction documents. We understand that our clients need to focus on running and growing their businesses, we attempt to aling with appropriate private debt capital providers.

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Transaction Characteristics

US Based

$5 - $40 Million in Revenue

Cash Flow Positive

$250k - $1 Mezzanine Scale Institutional Senior Lender

Capital Use: Growth Trajectory

Deal Parameters

Covenant Light

Up to 24 Month Term

Flexible Repayment Options

Consulting

ACCS strives to assist our clients with capital needs beyond our defined debt capital framework. We partner with lower middle market clients on consultative engagements in order to assist with debt capital acquisition. Our long history in financial services and capital markets environments gives us access to a broad range of resources and connections within the financial ecosystem and we leverage these relationships to facilitate the acquisition of desired capital. Simply put, we will use our expertise to help you find the best solution.

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Industry Verticals We Serve

We are industry agnostic and use our vast experience to serve businesses across every commercial sector. We take the time to learn the unique nuances of your businesses as well as the market contours in which you compete.

Whether we are working with a group of quick service restaurants, a technology service provider, a medical testing laboratory or any other business, we roll up our sleeves and learn our client’s operation as if we were joining the management team. This approach allows us to understand a company’s value proposition at a level our competitors are simply not prepared or motivated to achieve. Through this partnership approach, we can develop and deliver highly customized financing solutions that perfectly meet our clients’ needs.

Recently Funded Transactions

$500,000 Junior Capital for Health Information Technology Provider

$550,000 Junior Capital for Seasonal Needs to $20MM Commercial Nursery

Facilitated $2.4 million recapitalization & property purchase for west coast, multi-location specialized vehicle servicing company

Provided Interim bridge financing with multi inter-creditor agreements for an Eco-Friendly Processor in Central US

Leadership

Ryan Heckman

Ryan Heckman

Founder

Ryan Heckman is the Founder and Managing Member of Advantage Commercial Credit Services, LLC (ACCS). Prior to founding ACCS, Ryan was with Azadian Group/Change Capital as the company’s Senior Vice President and Regional Director. In this role, Ryan was responsible for originating new opportunities to provide short-term financing to small and medium business which included bridge loans, junior lien term debt, and subordinated stretch pieces ad over-advances in conjunction with senior institutional lenders. Prior to Change Capital, Ryan held positions as Vice President of Business Development at LQD Business Finance and Vice President of Commercial Banking at Bank of America. Ryan received his B.B.A. in Finance and Management from Northwood University and his M.B.A. from Walsh College.

Kelly Moltzen

Kelly Moltzen

Administration

Kelly Moltzen has 20 years experience in administration, project management, and corporate controls. She has work experience across multiple verticals working for companies like Muller & Monroe Asset Management, Brixmor Property Group, and LQD Business Finance serving in capacities ranging from project management to Legal Affairs.

Kelly graduated Magna Cum Laude from Wayne State University with a degree in Economics. She also holds a certificate in Professional in Human Resources from the HR Certification Institute.

Get In Touch

Advantage Commercial Credit

2900 S Rodd St
Box 1341
Midland MI 48640
(989) 453-2492

Advantage Commercial Credit
2900 S Rodd St
Box 1341
Midland MI 48640
(989) 492-1688
info@advantagecommercialcredit.com
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