Creative Capital & Alternative Debt
Flexible, cash-flow-based financing to fund growth, acquisitions, and partner buyouts when the "Big 5" Canadian banks fall short.
Beyond the Traditional Banking Box
Traditional Canadian banks lend looking in the rearview mirror. They require hard real estate collateral and strict historical ratios. But what happens when you win a transformational contract, or a partner wants to retire, and you need capital based on your future cash flow? AJS Capital steps in to fill the gap in your capital stack. We provide institutional debt that allows you to execute your biggest moves without giving up your CEO seat or diluting your equity.
Our Capital Structures
Mezzanine & Subordinated Debt
Secure growth capital based on your cash flow, not just your hard assets. We sit patiently behind your senior bank to fund massive expansion without demanding your equity.
Bridge & Transition Capital
Fast, decisive, short-term liquidity. Bridge the 90-day to 12-month cash flow gaps to float massive new contracts or navigate complex M&A transitions.
Institutional funds are run by spreadsheet analysts who have never made payroll. AJS Capital is run by former operators and commercial banker. We understand that a massive new contract might temporarily strain your working capital, or that a retiring partner needs a clean exit today. Because we speak both "bank" and "operations," we can quickly structure a bespoke debt facility that actually serves your business goals, rather than fighting against them.
We Underwrite Reality, Not Just Ratios.
Ready to structure your capital stack?
Discuss your growth plans or buyout needs in strict confidence.