Private Credit: Solutions that can work for your business whatever the circumstances.
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Solution Is Right?
1 - Senior Debt
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Senior Debt (such as Term Loans, Revolvers, ABL) provides your business with dependable, cost-effective capital secured by assets or cash flow. Think term loans for major investments, revolving credit lines for working capital swings, or asset-based loans using receivables. This first-in-line financing fuels growth and smooths operations with lower interest and clear terms. It’s best when you need predictable funding for expansion or stability without giving up any ownership stake.
2 - Unitranche Debt
Unitranche Debt blends senior and junior financing into one simple package with a single, blended interest rate. Instead of juggling multiple loans and lenders, you have one agreement—speeding up funding and reducing headaches. It's ideal for major initiatives like acquisitions or expansions where you need significant capital quickly. You secure the full amount in one go, with flexibility and a clear repayment path.
3 - Subordinated / Junior Debt
Subordinated (Junior) Debt fills the gap when traditional bank loans can’t cover all your funding needs. It takes a backseat to senior debt in priority, so it comes with a slightly higher cost—but importantly, it provides extra capital without requiring new equity. Use junior debt to push through acquisitions, large projects, or expansion plans once senior lending is maxed out, all while preserving your ownership and momentum.
4 - Mezzanine Debt
Mezzanine Debt (or Mezz) sits between senior loans and equity—a flexible boost when bank lending alone can’t finance your big plans. It acts like a loan with a potential equity kicker, so you secure growth capital now without major dilution. Mid-sized companies use mezzanine financing to close acquisition gaps or fund ambitious expansions, tapping into patient capital that grows with you while deferring some payoff until success is realized.
5 - Preferred Equity
Preferred Equity provides a capital infusion without handing over the keys to your company. Investors contribute funds in exchange for preferred shares that pay a fixed return and take priority over common stock, but don’t dilute your control. This strengthens your balance sheet for growth or acquisitions when debt is at capacity. You get funding now while keeping decision-making power and preserving the upside for your common equity.
6 - Venture Debt
Venture Debt gives high-growth businesses extra runway and resources without immediately giving up more equity. Often used alongside venture capital, it’s a loan designed for companies investing heavily to scale. Use venture debt to hire key talent, accelerate product development, or expand to new markets now—and repay once revenue catches up. It bridges the funding gap between equity rounds, fueling rapid growth while minimizing ownership dilution.
7 - Real Estate Debt
Real Estate Debt helps you expand or monetize your physical footprint without draining day-to-day cash. These loans are secured by property—think mortgages for new facilities, construction financing for expansions, or refinancing to pull out equity from real estate you own. By tapping the value of your buildings or land, you get substantial, long-term capital to grow operations or upgrade infrastructure, all on financing terms tailored to property assets.
8 - Distressed / Special Situation Debt
Distressed or Special Situations financing is a lifeline for companies in crisis or facing unique challenges. Whether you’re restructuring operations, bouncing back from a setback, or pursuing a one-time opportunity, this funding steps in when traditional lenders won’t. It’s specialized capital meant to stabilize cash flow, refinance pressing debts, or bridge a critical period—giving you breathing room and a path back to growth when you need it most.
9 - Asset-based Finance
Asset-based Finance is a bespoke financing solution for complex needs that don’t fit a standard loan. If your business has unique assets, irregular cash flows, or requires a mix of funding tools, structured credit can create a custom solution. It might involve leveraging receivables, contracts, or other asset pools and setting up tailored terms. The result is capital unlocked around your specific situation, enabling growth where conventional financing falls short.
10 - Working Capital Finance
Working Capital Finance (which also includes Trade Finance) keeps your supply chain moving and cash flowing. It bridges the gap between paying suppliers and waiting for customer payments, so your business isn’t strained. Tools like letters of credit, import/export loans, or invoice factoring let you accept larger orders and extend payment terms confidently. With trade finance, you can expand into new markets and fulfill big contracts without cash crunches.