Loan with Investment Grade Guarantors

Subordinated term debt at a fixed rate around 10%  for M&A and early stage businesses needing more than $10 million, with no upside limit, if they have investment grade customers committed to buying from them at a fair price. 

*     3, 5 or 7-year “bullet” loan structures, with no interim interest payments, to facilitate project construction or initial ramp-up periods. 

*     These amortized loans can provide 3 years of payment skips to facilitate initial ramp-up or construction.

This financing is dramatically less expensive than conventional mezzanine and hedge-funded finance companies. The fact that this source rarely bothers with collateral assignments on equipment or real estate or personal guarantees, and provides “payment skips” and single-digit fixed interest terms are often considered very attractive.

While their need for an irrevocable payment date and amount is inflexible, once it is received, they are very flexible in how it is repaid.  They can accept extremely irregular cash flows in order to facilitate financing success while providing for the option of subordinating most collateral to a conventional lender.

We are paid to provide Term Debt for projects with investment grade irrevocable guarantors. In every instance, lender will refund the good faith deposit and will pay all of the lender’s closing costs when the transaction funds, so there are no “points” or surprise annual fees for you to learn about at the closing table.

You can download the short questionnaire that we will need completed here – CCS Top 10 Questions and FAQ 

 We also finance:

 1.      Municipalities or government bodies with economic development projects;

 2.      Project financing with investment-grade sponsors (energy creation, etc.);

 3.      Structured settlements of lawsuits (we provide present value now);

 4.      Not for profits needing financing to grow their physical space and equipment;

 5.      Illiquid investment-grade assets needing present value cash quickly and at single digit interest rates.

 Financial limitations prevent many promising companies with fine products and solid markets from realizing their true potential.