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Structured CreditDecember 30, 2020

SG Credit Partners Provides $1.0MM to a High Net Worth Guarantor-Based Loan

Product Type

High Net Worth Guarantor

The Company

A privately-held family investment vehicle.

The Financing Situation

A high net-worth couple (“the Guarantors”), via the family investment vehicle, were in the later stages of a ground-up construction on a new home. The total cost had eclipsed the initial budget and the additional capital required to complete construction was beyond the loan-to-value comfort level for traditional lenders.

The Solution

SG was able to underwrite this transaction by taking a holistic approach toward the Guarantors’ personal financial profile, and not restricting leverage solely to the subject property. SG worked quickly to provide a $1.0MM loan structured around the Guarantors’ personal assets and diversified income streams.

This transaction highlights SG’s ability to structure and underwrite guarantor-based loans. While many of you know us as a cash flow-based lender, we now provide special situation (balance sheet) loans requiring creativity, flexibility, and speed to close.