IBS Client Finance Program

The IBS, N.A. Unitranche Term Facility (UTF) fuels American businesses with low-cost capital for acquisitions, dividend recapitalizations, and aggressive growth strategies. Lower-middle market companies choose the facility due to its lower costs and favorable prepayment terms relative to other alternatives such as mezzanine debt. IBS, N.A. provides UTF financing to hyper-growth companies who require scalable credit term facilities based on their current and projected growth. Generalparametersinclude:


Loan Commitments:

• $5,000,000 to$50,000,000

  • Dedicated syndication capabilities up to$150,000,000


  • Unitranche Debt
  • Second Lien
  • Subordinate/Mezzanine Debt


  • 3, 5, or 7 years 


  • Interest-only 
  • Starting at LIBOR Plus 5.00% 


  • Recapitalizations/Refinancing
  • Acquisitions
  • Accelerated Growth                  

Learn how IBS, N.A. drives over 3,500 small and middle market sized companies through its nation-leading corporate finance programs via the buttons below and reach out to a Relationship Manager for more information:


Working Capital Loan

Expansion Term Loan

Asset Based Lending

Letter of Credit




Contact Us

Institutional Banking Services, N.A. CORP


Fort Lauderdale Office

Mailing and Appointments

401 E Las Olas Blvd

Suite 1400

Fort Lauderdale, FL 33301


West Palm Beach Office 

The Wagg Building 

215 South Olive Ave

Suite 201

W.Palm Beach, FL 33401



Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

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