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Firmament

|Nonbank Lender|United States
$2 Million to $15 Million
Loan Amount
$1,000,000
Monthly Revenue
No Minimum Time in Business
Time in Business

Our Firmament Review

3.5/ 5.0How we rate

Firmament is a New York-based private capital firm founded in 2012 that works with small and medium-sized businesses across the United States. It provides mezzanine debt and sponsor finance — typically structured combinations of debt and equity — for companies navigating mergers, acquisitions, recapitalizations, or growth. Deal sizes run from $2 million to $15 million, with no stated minimum time in business, though the $1 million monthly revenue threshold means this is a fit for established, revenue-generating businesses rather than early-stage ventures. No minimum credit score is listed, consistent with the firm's bespoke, situation-specific approach. Sectors served include technology, healthcare, and environmental services. Firmament appears well suited for owner-operators and management teams who need a flexible capital partner through a transaction or capital event — not a standard bank product.

Who Is Firmament Best For?

Based on eligibility requirements and available products.

  • Businesses where credit score is not a primary factor
  • New businesses with limited operating history
  • Businesses seeking larger financing amounts

Financing Options

Sponsor Finance
Mezzanine Capital

Eligibility Requirements

Time in Business
No Minimum Time in Business
Minimum Monthly Revenue
$1,000,000

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Quick Overview

Loan Amount$2 Million to $15 Million
GeographyUnited States
DoughRating
Products2

Firmament Pros & Cons

Pros

  • No minimum credit score requirement
  • Startup-friendly no seasoning requirement
  • Lends nationwide
  • High loan amounts available

Cons

  • Requires $1,000,000+ in monthly revenue

Frequently Asked Questions

Firmament offers financing in the range of $2 Million to $15 Million.

Firmament does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.

Firmament offers the following financing products: Sponsor Finance, Mezzanine Capital.

Firmament requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.

Firmament provides financing to businesses across the United States.

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Firmament Review (2026) | Sponsor Finance Lender | BreadRoute