About RockBridge Capital Advisors
RockBridge Capital Advisors is a boutique capital advisory firm serving privately held companies and regional sponsors across the middle‑market. The firm helps clients navigate complex capital decisions with clarity, confidence, and a relationship‑driven approach built on trust.
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Our leadership brings more than two decades of experience building high‑performance teams, executing M&A integrations, designing capital markets strategies, and managing multi‑billion‑dollar credit platforms. With deep expertise spanning middle‑market commercial banking, structured real estate finance, private credit, fund finance, corporate lending, and governmental/institutional finance, RockBridge delivers institutional‑grade insight with boutique‑level attention across the full capital stack.
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RockBridge’s advisory approach extends beyond traditional senior debt placement. The firm brings meaningful experience in mezzanine financing, private credit solutions, complex structured capital, and intercreditor agreement (ICA) negotiation—capabilities that allow clients to pursue sophisticated financing strategies with clarity and confidence.
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Our work centers on thoughtful guidance, disciplined structuring, and strong relationships with capital providers—helping clients secure the right funding at the right time, without the noise, pressure, or confusion that often accompanies traditional financing processes.
Services
Capital Structuring and Debt Advisory
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Debt Advisory — Strategic guidance across the full debt lifecycle, helping clients evaluate all financing options, structure the right facilities, and secure capital aligned with long‑term objectives.
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Capital Structuring — Comprehensive analysis and planning to optimize leverage, liquidity, and flexibility, ensuring the capital stack supports growth, stability, and risk management.
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Lender Negotiation — Experienced advocacy with banks and private credit providers, focused on achieving stronger terms, clearer covenants, and more favorable pricing. Â
Financing Solutions for Growing Businesses
Small Business Financing — Working capital, expansion financing, equipment loans, and SBA‑aligned options.
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Refinancing & Recapitalization — Improving cost of capital, extending maturities, and unlocking liquidity.
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Growth & Expansion Capital — Financing for acquisitions, new locations, strategic investments, and scaled growth initiatives.
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Owner Transition & Buyout — Capital solutions supporting partner buyouts, generational transitions, and shareholder liquidity events.
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Working Capital Optimization — Structuring revolvers, seasonal lines, and borrowing‑base facilities to strengthen liquidity.
Transaction and Specialized AdvisoryÂ
Mezzanine & Structured Capital Consulting — Guidance on mezzanine financing, structured credit solutions, and hybrid capital instruments to support acquisitions, expansions, and recapitalizations.
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Intercreditor Agreement (ICA) Negotiation — Support navigating ICA terms, lender coordination, and multi‑tranche capital structures to ensure alignment across senior, mezzanine, and private credit participants.
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Transaction Preparation — Offering memos, lender packages, projections, and underwriting‑ready documentation.
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CRE Consultation — Structured CRE financing including mezzanine, private credit, note‑on‑note, and A/B senior structures.
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Buy‑Side Acquisition Advisement — Structuring leveraged buyouts, add‑on acquisitions, partner buyouts, and roll‑up strategies by aligning senior, mezzanine, and private credit facilities with transaction objectives and coordinating lender expectations across multi‑tranche capital stacks.
Leadership
Principal - Paul Lowe
The firm’s leadership is committed to a blend of institutional insight and boutique‑level service. With more than 25 years of experience in banking and specialty finance, leadership brings a deep background spanning middle‑market lending, structured commercial real estate, private credit, fund finance, and complex capital structures. This includes hands‑on work across the full spectrum of debt instruments—senior, unitranche, mezzanine, subordinated, hybrid capital, and structured solutions—providing a comprehensive understanding of credit, risk, and multi‑layered financing.
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Experience also includes advising on buy‑side acquisition structures, supporting sponsors and operators through leveraged buyouts, add‑on acquisitions, partner buyouts, and growth‑driven roll‑ups. This work has involved coordinating senior, mezzanine, and private credit participants, aligning capital stacks with strategic objectives, and navigating intercreditor dynamics across multi‑tranche transactions.
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The principal holds an undergraduate degree from Ouachita Baptist University and a Master of Banking from SMU. Over the course of a career spent within regional and national banking platforms, leadership has built strong industry relationships, managed multi‑billion‑dollar credit portfolios, and guided teams through strategic growth and integration initiatives. In addition to executive responsibilities, leadership has served on the boards of regional banks, contributing to governance, credit oversight, and long‑term strategic direction.
Notable Engagements
Private Credit PlacementÂ
$10,000,000
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Sourced and placed a private‑credit facility to finance a coastal property in a foreign jurisdiction, held through a fiduciary trust structure, where soft‑lien enforceability made conventional bank financing impractical. Structured lender protections through assignment of beneficial trust rights, pledge of holding‑company interests, and collateral enhancements to support execution in a complex cross‑border environment. Â
Private Credit REIT Investment Â
$25,000,000
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Sourced and executed a $25MM investment into a private‑credit REIT delivering above‑market, risk‑adjusted returns supported by a conservative underlying asset mix and low‑leverage profile. The engagement included manager diligence, portfolio‑level credit review, and stress‑testing of cash‑flow coverage. The allocation provided diversified private‑credit exposure, stable income, and a disciplined risk posture aligned with long‑term capital preservation objectives.
Full Capital Stack Structuring
$41,000,000
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Orchestrated a comprehensive capital stack for a middle‑market operator, structuring both a senior secured credit facility and a mezzanine capital tranche to support growth and recapitalization objectives. The engagement included lender sourcing, cash‑flow underwriting, covenant design, and negotiation of intercreditor arrangements (ICA) to align rights and remedies across senior and subordinated participants. The resulting structure delivered optimized leverage, flexible subordinated capital, and a coordinated execution framework across the full capital stack.