Debt Solutions & Transaction Advisory
Built on Real Credit Experience
Marina Advisory sources debt for owner-operated and PE-backed businesses, delivers Quality of Earnings for buyers, sellers, and lenders, and provides fractional CFO leadership for companies heading into their next capital event.
Former underwriter and portfolio management at HSBC and MUFG, with a vetted network of 20+ private and institutional lenders.
Debt Solutions from $250K to $100M+
Quality of Earnings · Fractional CFO · Transaction Readiness
About
Marina Advisory is a debt solutions and transaction advisory firm founded by Anthony Reitano, CPA.
The foundation started at GroupM (WPP Media): consolidating financial reporting across 400+ subsidiaries worldwide, reviewing each entity’s results, and producing the variance analysis and consolidated packages delivered to senior leadership, including the Global CFO. That work later expanded into IT finance, covering forecasting, budgeting, and variance reporting on more than $265MM in global IT spend. It’s also where I earned my CPA and learned how financial statements are built from the ground up.
From there, the work moved to the lender’s side of the table. At HSBC’s Asset-Based Lending group, that meant underwriting new transactions, refinances, and amendments, validating borrowing bases, monitoring covenants, and leading collateral and liquidation analysis on the portfolio through the COVID pandemic. At MUFG’s Entertainment Finance group, it meant managing a $500MM+ portfolio of revolving credit facilities and term loans for production companies, studios, and PE-backed music catalog acquirers through the SAG-AFTRA and WGA strikes. At both banks, Quality of Earnings reports were a constant part of evaluating every acquisition.
That perspective shapes every client engagement today. Knowing how lenders assess performance, liquidity, leverage, and risk, and what they need to see before saying yes, makes it possible to help businesses get their numbers in order, connect with the right lenders from a vetted network, and navigate terms once they’re on the table.
Across every role, the goal has stayed the same: get the numbers right, so decisions are grounded and deals hold up.
Our Services
Three ways to work together, depending on where your business is today.
Debt Solutions
A vetted network of 20+ private and institutional lenders, financing $250K to $100M+.
Working capital lines and ABL revolvers
Acquisition financing
SBA and non-SBA term loans
Equipment financing
A/R and invoice factoring
Subordinated and mezzanine debt
MCA refinancing and consolidation
DSCR, bridge, and sale-leaseback financing
Lenders are screened before any introduction, so time is spent only with lenders who have real appetite for the deal.
Transaction Advisory
Independent financial diligence for buyers, sellers, and lenders preparing for a transaction.
Quality of Earnings, buy-side and lender
SBA lender QoE for acquisitions of $3M+
Net working capital analysis
A/R and A/P aging review
CIM buildout
Transaction readiness
Under SBA SOP 50 10 8.1, effective October 1, 2026, acquisitions of $3M+ require a lender-commissioned Quality of Earnings report.
Interim & Fractional CFO
For businesses that need senior finance leadership through growth, a transition, or preparation for lenders, without a full-time hire.
Lender-ready financial reporting
Forecasting and capital planning
KPI dashboards
Cash flow planning
Debt & Rate Review of existing facilities
Ongoing lender relationship support
Once the financials are lender-ready, Debt Solutions picks up from there.
Who We Work With
Marina Advisory works with owner-operated and PE-backed businesses, along with the buyers and lenders on the other side of their transactions.
Clients typically include:
Companies generating $5M–$75M in annual revenue
Businesses preparing for an acquisition, refinance, or expansion
Buyers, independent sponsors, and family offices evaluating an acquisition
SBA and commercial lenders requiring a Quality of Earnings report
Operators managing working capital pressure or high-cost debt
Growing companies without in-house CFO leadership
Industries span the full market, with particular depth in two areas:
Capital-intensive businesses where equipment, inventory, receivables, or real estate drive financing needs, including manufacturing, construction and specialty contractors, transportation and logistics, food and beverage distribution, energy services, and commercial real estate investors.
Growing companies that have outgrown their finance function but aren’t ready for a full-time CFO, including healthcare services, franchising, technology and software, professional services, consumer brands, and home and commercial services.
Engagements are best suited for owners and investors who want to approach capital decisions prepared, with numbers that hold up to scrutiny.
What to Expect
1. Intro Call - A conversation about where things stand, what’s needed, and whether working together makes sense.
2. Engagement Letter - Scope, timing, and fees are agreed in writing before any work begins.
3. Information Review - Financials, debt schedules, and supporting documents are reviewed to understand the full picture.
4. The Work - Depends on the service:
Debt Solutions: lenders are screened anonymously for appetite before any introductions or documents are shared.
Transaction Advisory: management discussions, book review, and testing of reported earnings and working capital.
Interim & Fractional CFO: reporting is built out and a regular cadence is set with leadership.
5. Close or Delivery - Term sheet support through closing, a final QoE report, or ongoing financial leadership, depending on the engagement.
From Debt to Diligence to CFO Support, One Place to Start
Whether you’re raising debt, preparing for a Quality of Earnings review, or need senior finance leadership without a full-time hire, intro calls cover where things stand today and whether working together makes sense. Business owners, buyers, and lenders all start in the same place.
Prefer to Book Directly?
Pick a time that works for a 30-minute intro call.
One call, three paths
Debt, diligence, or CFO support, sorted out in the first conversation.
Lender-side experience, client-side advocacy
Years of underwriting at HSBC and MUFG, now on your side of the table.
Small by design
A solo-led practice means direct access, not a junior team.
Reach out today, hear back tomorrow
Every inquiry gets a personal reply within one business day.
Get in Touch
Email: anthony@marinaadvisory.com
LinkedIn: Anthony Reitano, CPA