All banks share one thing in common: they limit how much credit they will extend to any single borrower. That's when the BDCRI gets involved by providing gap financing.

Our secondary loans provide the additional funding senior lenders require of borrowers before committing their loan. When BDCRI financing is subordinated, the deal gets done because banks regard BDCRI funding as capital rather than debt.

The bottom line? Everyone wins. Borrowers obtain the financing they need. Senior lenders extend the loans they want to make while staying within their lending guidelines. Jobs get created, and the BDCRI fulfills its mission to help businesses grow.

"Our borrower required more funding, but we were fully committed and wanted the company to reduce its leverage. The BDCRI provided a highly workable solution with subordinated debt." Michael F. Kennally Sr. Vice President Citizens Bank	Case in Point: Wholesaler of high quality foods to the hospitality industry Established in 1961 30 employees BDCRI provided a $340,000, 5-year term loan Subordinated to Citizens Bank Funds used to supplement working capital and finance plant expansion