Bergen Capital Finance (BCF) is a privately held commercial finance company focused on providing tailored funding solutions to middle-market businesses. Headquartered in Fort Lee, New Jersey, BCF distinguishes itself through its direct lending approach and commitment to fostering long-term relationships with its clients.
The firm primarily targets businesses that are typically underserved by traditional banks and larger financial institutions. This includes companies undergoing periods of transition, such as growth phases, acquisitions, restructurings, or turnarounds. BCF’s sweet spot often lies with businesses that possess strong underlying fundamentals but require flexible financing options to achieve their strategic objectives.
BCF offers a range of financing solutions, including asset-based lending (ABL), cash flow lending, and real estate financing. Asset-based loans are secured by a company’s assets, such as accounts receivable, inventory, and equipment. This allows businesses to access capital based on the value of their assets rather than solely on their credit history. Cash flow loans, on the other hand, are based on a company’s ability to generate sufficient cash flow to repay the debt. These are often utilized by companies with stable earnings and established operations. Real estate financing provides capital for commercial properties, including acquisitions, refinancings, and construction projects.
One of BCF’s core strengths is its ability to provide quick and decisive funding decisions. Being a direct lender allows them to streamline the underwriting process and offer borrowers customized solutions within a shorter timeframe compared to traditional lending institutions. This speed and flexibility are particularly valuable for companies operating in dynamic industries or facing time-sensitive opportunities. Their underwriting team is known for its expertise in evaluating complex situations and crafting creative financing structures.
Bergen Capital Finance emphasizes building long-term partnerships with its clients. They work closely with borrowers to understand their unique needs and challenges, providing ongoing support and guidance throughout the life of the loan. This collaborative approach allows BCF to adapt its financing solutions as a company’s circumstances evolve. Furthermore, they often work alongside private equity sponsors, management teams, and other stakeholders to ensure successful outcomes for all parties involved.
While specific transaction details are generally kept confidential, BCF has funded businesses across a variety of industries, including manufacturing, distribution, retail, business services, and healthcare. They have a proven track record of providing the capital necessary for companies to grow, acquire, and overcome operational challenges. Bergen Capital Finance’s commitment to providing flexible and customized financing solutions positions it as a valuable partner for middle-market businesses seeking to achieve their full potential.