Tailored Private Credit Solutions
Our flexible mandate enables us to provide tailored credit solutions including asset-based revolvers and asset-backed and cash flow term loans. We are able to apply these approaches individually or in combination to provide a complete solution when other lenders face limitations.
WHAT WE DO
Lending Partner
Lower middle market businesses and entrepreneurs are often underserved by traditional banks and credit funds- but that's where SG Credit Partners comes in. Our capital base and platform enable us to apply two distinct approaches including asset-based revolvers and term loans collateralized by a variety of assets.
$3 - $20MM+
Loan Size
Flexible
Security
6 - 48 Months
Term
Structure
We uniquely employ two products depending upon each client's financial profile.
Asset-Based Revolvers
- Working Capital (ABL) Revolver
Term Loans: Asset-Backed & Cash Flow
- Collateral-Backed: Equipment, IP, real estate,
non-business / personal assets - Cash Flow: 1st lien term loan, 2nd lien term loan, or unitranche
COMMERCIAL FINANCE
Borrower Profiles
Our flexible secured debt transactions take many different forms, with each borrower benefitting from a tailored approach. SG Credit provides liquidity from many different asset classes and often provides more aggressive advance rates than traditional lenders. We can provide more solutions based on our unique product breadth that traditional lenders can't match.
Commercial Finance
Industry agnostic platform focused on companies and entrepreneurs seeking financing outside of traditional lending parameters.
Asset-Based Revolvers
- $20+ MM annual revenue
- Accounts receivable, inventory, M&E
- Sufficient working capital & asset coverage
- Working capital, turnarounds, restructuring, growth capital, acquisitions & DIPS
- Traditional ABL formulas
Term Loans: Asset-Backed & Cash Flow
- Asset-backed: IP, M&E, RE & other
- Guarantor-based: personal assets (brokerage accounts, select residential RE, other) in connection w/ business use
- Cash flow: Requires min. of $20MM revenue and $2MM EBITDA
We can underwrite based on working capital, cash-flow, collateral, a strong/secured high net worth guaranty, or a combination thereof
The SG Standard
Industry-Leading Pace and Precision
Simply put, SG is at its best when on the clock - we excel in situations that require quick, dependable capital.
Tailored Solutions
Not all deals fit in a box. We tailor our structures to each client's specific needs.
Non-Dilutive Capital
Non-dilutive approach for simplicity, preservation of equity
Speed + Certainty to Close
Flat organization with streamlined decision making. We deliver on our word.
