Capital Advisory · Charlotte, NC
Michelet Financial helps Charlotte businesses with $1M–$100M in revenue access the right capital—from revolving lines of credit to equity raises—so you can scale without running out of runway.
Schedule a Capital Review →As the South's second-largest banking and financial center, Charlotte demands capital-ready businesses. Whether you’re managing seasonal cash flow, funding a growth phase, or restructuring your balance sheet, Michelet Financial provides the advisory and connections your business needs to secure capital fast.
We work exclusively with B2B companies—not individuals—generating between $1M and $100M in annual revenue. Our network of lenders, SBA-preferred banks, factoring companies, and equity investors is national, with deep experience in North Carolina markets.
Every engagement starts with a diagnostic: we analyze your receivables, payables cycle, burn rate, and growth trajectory before recommending a capital structure.
We analyze your cash conversion cycle, receivables aging, and growth needs to identify the capital gap.
We design the optimal capital stack—debt, equity, or hybrid—matched to your business stage and risk profile.
We introduce you to the right capital source from our vetted national network—no generic bank applications.
We manage the close process and stay engaged post-funding to ensure your capital performs as modeled.
Charlotte’s economy is anchored by banking, real estate, technology, healthcare, and manufacturing. Michelet Financial’s working capital advisory serves businesses across all these sectors and more—wherever B2B companies need capital to grow, manage cash flow, or restructure.
Venture-backed or bootstrapped—we structure recurring-revenue lines and growth capital.
Law firms, CPA firms, and consultancies bridging long collection cycles with AR financing.
Medical practices and healthcare companies managing insurance reimbursement lag.
Contractors and developers needing draw schedules, equipment, and bridge financing.
Inventory financing, factoring, and supply-chain capital for product businesses.
Seasonal and growth capital for omnichannel and direct-to-consumer businesses.
We’re not a lender—we’re a capital advisor. That means we have no product to push and no commission from any single lender. Our fee is for strategic guidance and placement, so our incentive is always aligned with yours.
Capital structure recommendation delivered within 5 business days of the diagnostic call.
200+ vetted lenders, SBA banks, factoring companies, and equity investors.
We won’t recommend capital that doesn’t fit your stage. We’ll tell you what to fix first.
We analyze your full P&L and balance sheet—not just your credit score.
Fill out the form below and an advisor will reach out within one business day.
Or call us: (225) 396-5511