Non Bank Solutions for your business needs.

– Loan Amounts: $2 M to $30 M

– Description: Revolving lines of credit for companies based on accounts receivables, inventory, and other tangible assets.

– Leverage: Up to 95% of the accounts receivable (typically 75 to 85%), 80% on inventory NOLV, 50% on real estate. 

– Structure: 1^st lien, up to 3years, focused on business-to-business companies with 10 M + of revenue. -Must be experienced. 

– What we need to initially see: Execute Summary of Loan Request, Business Plan, Financial Highlights (last annual balance sheet, income statement), interim financials, AR and AP aging report,  collateral overview, ownership and management chart, business credit summary, sponsor credit scores, and clear line-item use of funds. 

• – Loan Amounts: $1 M to $20 M
• – Description: Equipment financing focused on collateral such as manufacturing plants, real estate, and capital equipment.
• – Leverage: Up to 85% of liquidation value of used assets, 75% of hard cost for new equipment.
• Structure: Can do sale-leaseback, finance leases, senior secured, revolving, multi-draw, DIP financing. – Terms of loans are custom to deal type.
• – What we need to initially see: Execute Summary of Loan Request, Business Plan, Financial Highlights (last annual balance sheet, income statement), interim financials, collateral description, valuation reports, clear line-item use of funds (acquiring, manufacturing, or refinancing), business and sponsor credit summary, business insurance, an ownership and management chart. 

• – Loan Amounts: $2 M to $25 M
• – Description: Revolving lines of credit for commercial & consumer finance companies.
• – Leverage: Advance rates up to 80% of eligible loans.
• – Structure: Senior credit facilities, first out participation, co invest, revolvers, growth, up to a 2-year term. Likes to see companies with some equity behind them.
• – What we need to initially see: Execute Summary, Business Plan, Financial Highlights (last annual balance sheet, income statement), ownership and management chart,  equity and capitalization of company, loan portfolio summary, portfolio aging summary, performance data, existing credit arrangements, proposed facility structure, market analysis, and a clear line-item use of funds, contracts, list of outstanding invoices, proof of business license and registration, an ownership and management chart.

• – Loan Amounts: $1 M to $30 M
• – Description: Investment is based on liquidation values of secured assets, asset pools and verifiable enterprise values.
• – Leverage: Every deal is unique.
• – Structure: Secured unique needs platform. Secured against asset/s but can look at strong enterprise value or cash flow.  
• – What we need to initially see: Execute Summary of Loan Request, Business Plan, Financial Highlights (last annual balance sheet, income statement), interim financials, AR and AP aging report,  collateral overview, ownership and management chart, business credit summary, sponsor credit scores, and clear line-item use of funds.