ALTERNATIVE LENDING

As asset owners with quiet capital, we view alternative finance from a unique perspective.  Our philosophy of Finance as a Strategy through both real estate and lower-middle-market companies positions us to solve for things when needed and provide value as a strong finance partner.  

This approach keeps us out of participating in competitive processes and allows us to customize to the specific objective and working capital needs of other asset owners.  

Real Estate

We can customize both long-duration and short-duration capital depending on the objective. Our preferred asset classes include multi-family, mixed-use, industrial, office, retail, and hospitality.   

Through longer-duration and permanent finance structures, we are frequently asked by community banks to participate in conventional mortgages in the sub $10 million market, and we also work with real estate asset owners who seek more favorable amortization or flexibility with covenants.  

For larger commercial mortgages, we align with borrowers who did not attract the expected appetite from regional banks and life companies but seek a more flexible alternative rather than CMBS.

We also customize shorter-duration loans above $10 million for situational purposes with seasoned asset owners who have already spoken with the standard industry bridge lenders. These borrowers need someone with asset owner experience themselves, and who views their scenario through a wider lens and structural flexibility.  

Lower Middle Market Companies

Many companies are bankable but need more versatility across the entire debt table, fall just outside one of the conventional underwriting boxes or recently moved into technical default with their current lender.  

Our domain experience includes specialty manufacturing, distribution, defense, aviation, aerospace, technology, professional services, healthcare-related companies, and the second-order downstream of AI infrastructure, technology, and its value chain.

Our value to businesses stands apart as entrepreneurs who understand finance, allowing us to creatively deploy working capital across the debt table to those straddling the conventional line, along with creative provisions throughout multiple facilities.  This includes revolvers, trade finance, equipment facilities, and sale-leasebacks.  This can also include term loans, accordion facilities, and unitranche structures incorporating triggers, PIKs, and waterfalls for companies with a strong borrowing base, quantifiable forward-looking revenues, and hypergrowth. Most importantly, we understand the real effort to make it all work and sync together. 

We can also provide strategic support through our experiences as asset owners. These scenarios include expanding the supply chain, vendor negotiation, helping win new contracts, credit enhancement, and creating additional enterprise value.