Investment Criteria / Loan Structures

SG Credit Partners provides structured term loans tailored to a company’s capital needs. Solutions can come in the form of a senior term loan, second lien term loan, or combination of the two depending on the financing situation.

LOAN SIZES:  $1 - $10 million

TERM: 6 - 36 months

AMORTIZATION: Flexible structures around cash flow and liquidity.

INDUSTRIES: Agnostic

OWNERSHIP: Privately Held, Venture / Sponsor-Backed, Public Companies

GEOGRAPHY: U.S. Based Businesses

SECURITY AND STRUCTURE

Second Lien / Split-Lien: Capital need beyond what senior lender is willing to provide and unable to access traditional mezzanine capital and/or have shorter term capital needs requiring speed to close. We specialize in solving situational liquidity behind banks, asset based lenders (ABLs), factors, and other senior credit facility providers.

Senior Secured: Non bankable/asset light businesses that don’t fit other lenders’ credit criteria or bridge loan for quick closing.

One Stop (Bifurcated): Senior secured interest-only loan against current assets + second lien cash flow term loan, often a true timing need and flexibility of one lender preferred.

Credit Profiles / Loan Products

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STRUCTURED
CASH FLOW

Characteristics: Situational capital need for working capital/liquidity, growth capital, acquisition financing, and/or special situations.

Revenue: $20 – $100+ million

Proforma EBITDA: $1 – $5+ million

Underwriting: Focus on proforma free cash flow / liquidity for debt service and other assets / enterprise value as secondary source of repayment.

Structure: Second lien / split lien, senior secured, bifurcated.

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TECHNOLOGY / RECURRING REVENUE

Characteristics: Emerging growth technology companies seeking non dilutive capital.

Revenue: $3 – $10+ million recurring revenue

EBITDA: Clear path to profitability or sufficient liquidity reserves.

Underwriting: Focus on recurring revenue, liquidity, and enterprise value.

Structure: Second lien / split lien, senior secured, or bifurcated. We will often start senior secured and transition to second lien as the company grows and can obtain traditional bank financing.

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HIGH NET WORTH LIQUIDITY SOLUTIONS

Characteristics: Asset rich, cash poor entrepreneur in need of short term liquidity or a bridge loan, sensitive to dilution, speed to close required.

Underwriting: Sufficient net worth, dedicated collateral, and/or future liquidity event to support SGCP’s loan.

Structure: Flexible security positions around financing situation, cash flow, and available collateral.

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California loans are made pursuant to SG Credit Partners, Inc.'s California Department of Corporations Finance Lender License No. 60DBO-87290. Credit approval is subject to SG Credit Partners, Inc.'s credit standards, and actual terms (including actual loan amount) may vary by applicant. SG Credit Partners, Inc. requires certain supporting documentation with each new application. Complete disclosures of APR, fees, and payment terms are provided with each loan and are available from SG Credit Partners, Inc. at 23 Corporate Plaza, Suite 100, Newport Beach CA 92660, telephone 1-800-631-2423.