Luma Capital helps business owners secure the funding needed to stabilize cash flow and finance growth. We assess your current cash position, build lender-ready reporting and forecasts, and source the most appropriate capital solution based on your business model, collateral, and timeline. The objective is to improve liquidity while maintaining flexibility and minimizing disruption to operations.

Typical funding solutions include:

Asset-based and traditional bank lending (working capital lines of credit, term debt)

Government-guaranteed financing (growth capital and refinancing where applicable)

Mezzanine debt and junior capital (to bridge capital needs)

Private equity and investor capital (recapitalizations and growth equity)

Luma Capital designs and implements practical cash management systems that give owners and operators clear visibility into liquidity and near-term cash needs. The objective is to improve control over cash inflows and outflows through disciplined reporting, forward-looking projections, and standardized processes for vendor payments and customer collections.

Our cash management systems typically include:

Daily and weekly cash reporting to monitor liquidity, payables, and receivables activity; 120-day cash projections to anticipate funding needs, timing gaps, and operating decisions.

Vendor cash management systems to prioritize payments, manage terms, and reduce surprises.

Customer collections systems to improve DSO, enforce follow-up cadence, and accelerate cash conversion.

Luma Capital develops and integrates five-year financial models that help leadership teams run the business with a forward-looking plan—not just historical reporting.

These models are built to support strategic decision-making, establish annual budgets, anticipate future capital needs, and position the company to be lender and investor ready. The output is a clear, defensible forecast with assumptions and visuals that management can use to align operations, financing, and growth objectives.

Our models typically include:

Integrated Profit & Loss, Balance Sheet, and Cash Flow Key ratio analysis to monitor performance and covenant readiness.

Sources and Uses of Funding to map capital requirements and deployment.

Assumptions and graphs to clearly support and communicate the plan.

Luma Capital develops KPI scorecards and executive reporting systems that give leadership clear visibility into the drivers of performance—while surfacing risks early and reinforcing accountability across the management team.

We define the right metrics by role and business line, standardize definitions, and implement a consistent reporting cadence so leaders can manage proactively, not reactively. Our executive reporting typically includes a month-end reporting package that summarizes and evaluates financial results, highlights key operational drivers, and compares actual performance to budget with focused variance analysis and action items.

The output is a decision-ready view of what happened, why it happened, and what needs to change going forward.

Luma Capital facilitates middle-market transactions for owners and leadership teams, providing financial and execution support from initial strategy through closing. We help clients evaluate opportunities, build decision ready financial models, prepare lender and investor materials, coordinate diligence, and support deal structure and financing to reduce execution risk.

We support the following transaction types:

Selling a business: sell-side preparation, financial package readiness, buyer coordination support, and close execution.

Acquiring an existing business: target evaluation, underwriting and modeling, diligence coordination, and acquisition financing support.

Management buyouts (MBOs): structuring and funding support to enable management-led ownership transitions with stakeholder alignment.