Our funding sources include both bank and non-bank lenders. In addition to maintaining close relationships with the traditional national, regional, and community banks across the country, we focus additional attention on non-bank lending businesses.
These lenders are not bound by the regulatory and policy restrictions systemic within the banking industry.
As banks have grown, they have controlled risk on an aggregate basis through strong lending policy constraints. If a business’s needs fit within these constraints, everything is fine. If they don’t, exceptions are unlikely, and credit will not likely be available.
The inability of banks to provide funding in these situations has created the need for and rise in the private credit market, where non-bank lenders offer the solution.
These lenders have been established by experienced entrepreneurs, private equity firms, hedge funds, family offices, and Registered Investment Advisor firms. Most of these lenders are focused on a particular funding solution and have established their operations to manage the risks associated with that solution appropriately. They are located primarily throughout the US but also in Canada, Mexico, the UK, and the EU.
We maintain active relationships with the top 125 non-bank lenders focused on providing solutions to the commercial and industrial sectors. We segment and track the lenders on our platform by the following criteria:
- Collateral Type
- Facility Type
- Company Risk Profile
- Geographic Coverage
- Industries Desired
- Industries Excluded
- $ Commitment Size Range – Maximum and Minimum
- $ Usage Range – Maximum and Minimum
- Loan Pricing Ranges – Spread above SOFR or Prime