Five Points Capital

Five Points Capital is a Winston-Salem, North Carolina-based private equity and private credit firm founded in 1997 that focuses on the U.S. lower middle market. It partners with private equity sponsors and management teams on buyouts, recapitalizations, and acquisitions, deploying capital in the $5 million to $30 million range. The firm's financing structures include unitranche debt, second lien debt, subordinated debt, and equity co-investment — tools suited to sponsor-backed transactions rather than conventional small-business lending. With over 25 years in the market and a team carrying substantial combined investment experience, Five Points Capital appears well suited for companies seeking flexible, structured capital alongside a PE sponsor rather than a traditional bank loan. No minimum credit score requirement is listed, reflecting the deal-by-deal, relationship-driven underwriting typical of this asset class. Borrowers should expect a longer, more diligence-intensive process than conventional lenders.