02 · What we finance
Private credit
Bilateral, confidential credit for situations a bank’s template does not fit: a timetable, an unusual asset, a sponsor’s structure, a need for discretion.
Tenor 1 to 7 years
The facility
Private credit is a bilateral facility between one lender and one borrower, written for a situation a standard loan cannot hold: a timetable, an unusual asset, a sponsor’s structure, a need for discretion. The terms are negotiated, documented and kept between the parties.
What it is for
- Situations banks decline on form, not substance
- Sponsor-backed transactions
- Growth capital without dilution
- Time-critical closings
What stands behind it
- Enterprise cash flows
- Specific assets or contracts
- Equity and sponsor support
What we ask for
- Audited accounts, three years
- The transaction or situation, described
- Sponsor or shareholder support, if any
- Valuation of any specific asset offered
- Corporate documents and KYC
Also
The other five.
- 01Corporate lending
Term and revolving facilities for established companies: expansion, acquisitions, refinancing, and the balance-sheet moments between them.
Read - 03Real estate finance
Development, investment and bridging capital for owners and developers, secured on the property and its income.
Read - 04Asset-backed finance
Facilities sized to what a business owns or is owed: receivables, inventory, plant and fleet. The line moves with the assets.
Read - 05Structured finance
Capital structures for transactions with several parties or several sources of repayment: vehicles, tranches, mezzanine.
Read - 06Trade and working capital
Finance that moves with the trading cycle: imports, distribution, confirmed orders and receivables.
Read