Built for the balance sheet, not the billboard.
Capital
structured
for your
next move.
Vault underwrites credit facilities, manages treasury operations, and closes acquisition financing for companies between $10M and $500M in revenue. Your CFO deserves a banker who reads the balance sheet before the call.
Sample term sheet — illustrative only
Three findings
every CFO should see.
"Mid-market companies are underserved by banks optimizing for volume, not relationship depth."
When a CFO at a $120M manufacturer calls their regional bank about a revolving credit facility, they get a junior associate with a checklist. At Vault, they get a coverage officer who has structured 34 similar facilities and can tell them — before the first term sheet — exactly where the covenants will break. The average Vault credit facility closes in 18 business days. The industry average is 47.
"Treasury migration is a CFO's most avoided project. Vault makes it the most efficient quarter of the year."
Moving payroll, ACH, lockbox, and wire infrastructure from a legacy bank is the operational equivalent of replacing the plumbing while the building is occupied. Vault's treasury migration team has executed 89 full-relationship transitions without a single payroll disruption. The process is documented, scheduled, and parallel-run — your controllers sleep through it.
"Founders closing acquisitions need a bank that has read the CIM before the LOI is signed."
Acquisition financing requires a bank that can underwrite the target, model the pro forma, and syndicate the senior tranche — all before the exclusivity period expires. Vault's leveraged finance team has closed 47 transactions ranging from $8M add-ons to $340M platform deals. We hold paper on 78% of the transactions we originate. That alignment is not accidental.
The companies we serve have outgrown their banks. They need a partner who reads the covenant before the call, who structures credit around the business cycle, not the product menu, and who treats treasury as a strategic function, not a line item. That is Vault.
The full balance
sheet, covered.
Revolving Credit & Term Facilities
Senior secured, asset-based, and cash-flow credit structures for working capital, capital expenditure, and growth. Vault holds paper on the facilities it originates — our underwriting is our commitment.
- Revolving credit facilities $5M–$250M
- Asset-based lending against A/R and inventory
- Equipment and real estate term loans
- Covenant structuring and waiver management
Treasury & Cash Management
Full-service treasury operations: lockbox, ACH, wire, controlled disbursement, and sweep accounts. Migration from your current bank executed in a parallel-run window that protects your operations.
- Lockbox and remittance processing
- Controlled disbursement accounts
- Zero-balance and sweep structures
- Full treasury migration management
Acquisition Financing
Senior debt, mezzanine, and unitranche structures for acquisitions from $8M to $350M. We read the CIM before the LOI. Our leveraged finance team has closed 47 transactions since 2022.
- Leveraged buyout senior debt
- Add-on acquisition financing
- Unitranche and mezzanine structures
- Syndication and participation
Full Relationship Banking
One coverage officer. One credit committee relationship. Every product — credit, treasury, FX, trade finance — coordinated around your fiscal calendar, not ours.
- Dedicated coverage officer
- Integrated credit and treasury
- FX hedging and trade finance
- Annual credit facility review
Schedule a
Treasury Review.
A 45-minute working session with a Vault coverage officer. We review your current credit structure, treasury architecture, and near-term capital needs. No pitch deck. No product push. Just the balance sheet.
The capabilities
brief.
A 14-page document covering Vault's credit, treasury, and advisory capabilities with case structures, rate benchmarks, and the questions your CFO should be asking any commercial bank. On your desk by Monday.
- Credit facility structures and typical covenant sets
- Treasury migration checklist — 89-item operational guide
- Acquisition financing term sheet comparison (2024–2025)
- Rate benchmark: Vault vs. regional bank vs. national bank
- 12 questions every CFO should ask their commercial bank
Vault Commercial Bank is a federally chartered commercial bank. Member FDIC. Equal Opportunity Lender. All credit facilities subject to credit approval, underwriting review, and applicable regulatory requirements. This page does not constitute a commitment to lend.