Transaction
Balance-Sheet Cleanup & Settlement Funding
Negotiated capital to retire problem obligations, fund settlements, and present a clean balance sheet ahead of a transaction.
- Principal Capital
- Collateral-Based
- 6–12 Month Terms
- Case by Case
Overview
Legacy obligations have a way of surfacing at the worst moment — during diligence, before a listing decision, or as a closing condition. Retiring them is often the difference between a transaction proceeding and stalling.
BlackWolf funds negotiated balance-sheet cleanup: settling disputed debt, retiring toxic instruments, and resolving obligations that block a going-public transaction, an uplisting, or an acquisition.
These are, by definition, special situations. They are underwritten individually, on collateral and controls that can be clearly documented, and BlackWolf will decline where disclosure is incomplete or the collateral is disputed.
Indicative Structure
| Facility size | $100,000 – $500,000 initially |
|---|---|
| Term | 6 – 12 months |
| Pricing | Risk-adjusted, set case by case |
| Security | UCC liens, pledges, guaranties, control agreements |
| Structure | Negotiated individually to the situation |
All transactions remain subject to diligence, credit or investment approval, legal review, collateral review, and closing conditions.
Collateral Considered
- UCC liens on assets
- Stock pledges
- Settlement receivables
- Stock issued as consideration
- Personal guaranties where appropriate
Senior liens, priority, and enforceability are reviewed during diligence.
What We Look For
- A documented settlement or payoff figure
- Full disclosure of the obligations being resolved
- Collateral that survives the cleanup
- A repayment source that is not the next financing
What Commonly Stalls One
- Obligations that surface after diligence has begun
- Disputed collateral or contested ownership
- Unresolved legal restrictions on the pledge
- Incomplete issuer disclosure
Common Questions
If your question is not here, a short call is usually faster than an email thread.
Ask directlyWill BlackWolf fund a settlement that is still being negotiated?
A documented figure is normally required. Underwriting depends on knowing what is being retired, on what terms, and what the balance sheet looks like afterward.
Can stock be used as consideration?
Stock issued as consideration is among the collateral types BlackWolf considers, subject to securities-counsel review, transfer-agent mechanics, and applicable resale restrictions.
Related Transactions
Receivables Financing
Capital advanced against invoiced receivables and settlement proceeds where the obligor and the payment path can be clearly documented.
Read moreExchange Uplisting
Bridge capital for issuers moving from OTC markets to a national exchange, or establishing an initial quotation.
Read moreAcquisition Bridge
Short-term secured capital to close an acquisition on schedule while permanent financing or a planned raise is completed.
Read more
What Happens Next
Submitting a transaction starts a review, not a commitment. This is the sequence that follows.
Submit Intake
Provide a brief overview of your financing needs.
Initial Review
Our team reviews the opportunity and confirms alignment.
Confidential Discussion
We evaluate structure, collateral, and objectives.
Structured Solution
Where there is a fit, we outline a tailored path forward.
Submission of information does not create a commitment to lend or invest.
What to Have ReadyDocuments commonly requested during review. Nothing here is needed to submit.
Corporate
Establishes who you are and who can sign.
- Certificate of incorporation and current bylaws or operating agreement
- Current capitalisation table, including options, warrants, and convertible instruments
- Officers, directors, and holders of more than five per cent
- Board or member authority to incur debt and pledge assets
Financial
Shows what the business does and what it can carry.
- Last two years of financial statements, audited where they exist
- Current-year interim statements
- Existing debt schedule with maturities and security
- Accounts-receivable ageing, where receivables are part of the picture
Transaction
Describes what the money is for and how it comes back.
- Letter of intent, merger agreement, or registration draft, as applicable
- Use of proceeds, itemised
- Repayment or exit source, with its expected timing
- Counsel, auditor, and transfer agent engaged on the transaction
Collateral
Establishes what secures the facility and who else has a claim on it.
- UCC search results and any existing lien or security filings
- Valuation, appraisal, or ageing supporting the collateral's value
- For pledged securities: share certificates or book-entry position, and the transfer agent's requirements
- Any lock-up, pledge restriction, or shareholder agreement that touches the collateral
Specific to Balance-Sheet & Settlement Funding
What we look at first on this kind of transaction.
- A documented settlement or payoff figure
- Full disclosure of the obligations being resolved
- Collateral that survives the cleanup
- A repayment source that is not the next financing
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Submit This Transaction for Review
Send company information, requested amount, use of proceeds, repayment source, and available collateral. Submission of information does not create a commitment to lend or invest.