Asset-Based Lending for Small and Middle-Market Companies:
Celtic Capital’s Commitment to Growth and Success
Since its founding in 1982 by my father, Bron Hafner, Celtic Capital has been dedicated to providing tailored working capital financing solutions for small and middle-market businesses. Since I joined the company in 1985, Celtic Capital has had the privilege of helping hundreds of business owners grow their companies and reach their business goals.
Why Choose Celtic Capital for Asset-Based Lending?
Celtic Capital specializes in asset-based lending for businesses that may not qualify for traditional bank financing. Whether your company is facing challenges such as balance sheet or profitability issues, rapid growth, or undergoing legal proceedings, we offer flexible, collateral-driven financing solutions designed to meet your unique needs. Unlike traditional banks, our approach focuses on the quality of collateral and business performance, with an emphasis on future growth potential rather than past financial history.
What We Look for in Borrowers: Collateral, Management, and Growth Potential
At Celtic Capital, we prioritize strong collateral, a clear business plan, and a competent ownership or management team. Our asset-based lending model empowers borrowers by giving them control over their financial and operational decisions. Unlike many traditional lenders, we don’t require restrictive lockbox arrangements or financial covenants, ensuring greater flexibility for business owners.
Celtic Capital helps businesses transition back to traditional bank financing. Asset-based financing is a short-term solution for long-term needs.

How We Help Businesses Transition to Traditional Bank Financing
Our ultimate goal is to help businesses secure the financing they need to thrive and transition back to traditional bank lending within 2-3 years. We consider it a success when our clients graduate to bank financing, knowing that we have played a pivotal role in their growth and success.
Explore Celtic Capital’s Financing Solutions
We encourage you to explore our website for more information about how Celtic Capital’s asset-based lending solutions can help your business overcome financial challenges and achieve its long-term goals. If you own or know of a business that could benefit from our services, don’t hesitate to reach out to one of our Client Development Officers. You can find the nearest officer on our “Contact Us” page.
Thank you for your interest in Celtic Capital, where we are committed to “Funding Tomorrow, Today.” We look forward to partnering with you and supporting your business’s growth and success in the near future.
Mark Hafner
President and CEO, Celtic Capital