Efficient capital for your business.
Strategy
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Execution
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Data Advisory
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Our Financing Products
Invoice Financing
(Flexible AR Credit Line)
The facility is a borrowing base driven solely by the client's outstanding accounts receivables, structured like an ABL facility.
Pricing & Terms:
•ABL style borrowing base driven by AR only
•Invoices are not required to be submitted and purchased like in factoring
•Funding against invoices up to 120 days from invoice date
•Interest Rate: 8%-13% p.a.
•Ticket Size: 500k-30M
•Loan Tenor: 12 months – 3 years
Requirements:
•No minimum revenue (the business can still be cash burning)
•Collateral: Invoices / Account Receivables
•Well-established operations (min. 1 year) and a clear invoicing process
•History of invoicing creditworthy customers
•Financial stability and sound financial records
Next Step: [Continue to Onboarding Form]
Factoring
Revolving credit is where a business continuously sells invoices to a factor in exchange for immediate cash.
Pricing & Terms:
•Advances 90% of the invoice amount upfront
•Funding against invoices up to 120 days from invoice date
•Interest Rate: 8%-13% p.a.
•Ticket Size: 500k-30M
•Loan Tenor: 1-3 years
Requirements:
•No minimum revenue (the business can still be cash burning)
•Collateral: Invoices / Account Receivables
•Well-established operations (min. 1 year) and a clear invoicing process
•History of invoicing creditworthy customers
Financial stability and sound financial records
Next Step: [Continue to Onboarding Form]
Invoice Financing + Equipment Financing (Combined)
A Term Loan with a combination of Invoice Financing and Equipment Financing (Junior and Senior Secured Debt).
Pricing & Terms:
•Up to 90% LTV
•Funding against invoices up to 120 days from invoice date
•Revolver, Term Loan or Unitranche structures
•Capital for refinancing, buyouts, growth, or turnarounds
•Appetite for special situations and restructuring
•Typical investment size: Minimum 20M – 200M
•Collateral options: Equipment, fixed assets, real estate, AR, and even IP as collateral
•Pricing: 6.5%-11% p.a.
•Loan Tenor: 1-3 years
Requirements:
•Minimum Revenue: 50M
•Minimum Loan Size: 20M
•Strong collateral base: Fixed assets, inventory/equipment, real estate, and consumer brands
Application Process:
1.Please upload the underwriting request list.
2.Once you have uploaded all data, our credit team will get in touch the next day.
3.Follow-up meeting with our credit team to discuss the data room and next steps.
4.Term Sheet.
Term Loans, Bridge Financing, Venture Debt
Our Term Loans, Bridge Financing, and Venture Debt are direct loan options for businesses, offering fixed-term funding, short-term transitional capital, and growth funding.
Pricing and Terms:
•This is a debt funding solution usually for high-growth companies.
•Interest Rate: 8-14%
•Tenor: 18 months - 6 years
•Flexible repayment strategies: bullet payment and long grace periods.
•Early repayment without penalty fee is possible.
•Debt Tickets: $2-120M
•Usually, no warrants, no equity kicker.
•We can consider IP as collateral (optional).
Requirements:
•Achieved a minimum revenue of 5M in the previous year.
•Recurring revenue.
•Minimum 20% annual growth rate.
•Minimum runway: 12 months.
•Strong Client Retention.
Application Process:
1.Please answer all questions in Step 1.
2.Please upload all relevant documents in Step 2.
3.Once the data room is complete – we will schedule a management call with you.
4.Term sheet in 1 week.
Step 1: Initial Questions:
•Are you VC-backed? (not mandatory to be VC backed)
•What is your current cash position?
•When do you plan your next equity round?
If you are looking for refinancing of an existing loan:
•What is the exact amount needed to pay off your existing facility?
Step 2 – Please submit the following documents:
Underwriting Request List: Please upload all required data in our secure Dataroom.
Dataroom for "Term Loans, Bridge Financing, Venture Debt":
•Latest investor presentation (pitch deck).
•Historical monthly financials: Consolidated and actual P&L, BS, and CF statements on a monthly/quarterly basis in an Excel spreadsheet for the past 24 months. Please also indicate which month forecasts begin.
•Most recent month-end (year-to-date) Financial Statement for the current year.
•Monthly consolidated business plan: Financial forecast (monthly P&L, Cash-Flow, and Balance Sheet for the next 24 months) - Please provide it on a monthly basis.
•Revenue by client: Client subscription data with details of the amount, currency, billing cycle, and the start and end dates for each client and region - Please provide data on Q1-2024 (and later if possible).
•Up-to-date cap table (% per investor and invested amount).
•Debt pool and amortization calendar.
Next Step: [Continue to Dataroom "Term Loans, Bridge Financing, Venture Debt"]
Revenue Based Financing (RBF)
Revenue Based Financing (RBF)
Unsecured debt funding – Revenue-Based Financing (RBF) allows companies to obtain funds without giving up equity.
Pricing & Terms:
•Only for companies with recurring revenue.
•Access up to 60% of your future recurring revenue.
•Immediately making draws.
•No hidden fees, warrants, covenants, or security interest.
•Credit cap increases with your ARR.
•Loan Tenor: Flexible terms up to 24 months.
•Monthly repayment of the loan facility.
•No Grace Period.
•Interest Rate: 8% - 11%.
•Ticket: $200k-10M.
Requirements:
•Recurring revenue.
•Minimum revenue of $3M in the previous year.
•Minimum 20% annual growth rate.
•Minimum runway: 6 months.
Strong Client Retention.
The digital bank for businesses.
Ticket size 1M–200M
Flexible Repayment
Personal Assistance
Fast process with Feedback within 24 hours
Multiple credit facilities
Our clients
Our clients are European and US companies in all stages, from Series A, growth stage, to pre-IPO and public stage – providing efficient debt financing solutions.
All our verified clients get qualitative offers which speeds up debt financing from months to days/weeks.
Stages:
Series A, B, C, D, Later Series
Regions:
US, UK, Europe, Canada, Iceland
Key industries:
•Products and Services (B2C, B2B)
•Energy
•Manufacturing
•Infrastructure & Transportation
•Healthcare
•Information Technology
Some key verticals:
•ESG, Climate-Tech, ResilienceTech & ConservationTech
•CleanTech & EnergyTech
•Healthtech (Encompassing Genomics to Digital Therapeutics)
•Healthcare and Life Sciences
•Longevity
•P4 Medicine (Predictive, Preventive, Personalized, and Participatory)
•WellnessTech & MentalTech
•SmartCity, PropTech & MobilityTech
•FoodTech & AgriTech
•Impact Investments & Tech for Good
•SaaS, PaaS, IaaS
•NeuroTech, Nano & BioTech
•Managed and Content Services
•AI & Machine Learning
•Big Data, Analytics & Cloud
•Quantum Computing & Edge
•Fintech, Cybersecurity & Data Management
•AR, VR & Metaverse
•IoT & Digital Twin
•Gaming, eSports & EntertainmentTech
•SpaceTech & DeepTech
•Supply Chain
•Advanced Manufacturing
•Materials and Equipment
•Chemicals, Gases
•Agriculture and Food
Client: Name
....
Year: 2023
....
Industry: Finance
Some key verticals:
•ESG, Climate-Tech, ResilienceTech & ConservationTech
•CleanTech & EnergyTech
•Healthtech (Encompassing Genomics to Digital Therapeutics)
•Healthcare and Life Sciences
•Longevity
•P4 Medicine (Predictive, Preventive, Personalized, and Participatory)
•WellnessTech & MentalTech
•SmartCity, PropTech & MobilityTech
•FoodTech & AgriTech
•Impact Investments & Tech for Good
•SaaS, PaaS, IaaS
•NeuroTech, Nano & BioTech
•Managed and Content Services
•AI & Machine Learning
•Big Data, Analytics & Cloud
•Quantum Computing & Edge
•Fintech, Cybersecurity & Data Management
•AR, VR & Metaverse
•IoT & Digital Twin
•Gaming, eSports & EntertainmentTech
•SpaceTech & DeepTech
•Supply Chain
•Advanced Manufacturing
•Materials and Equipment
•Chemicals, Gases
•Agriculture and Food
Verticals
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Year: 2023
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Industry: Finance
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Client: Name
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Year: 2023
Explain what makes the business unique. Identify the qualities that set it apart from its competitors and describe them, staying true to the brand's authentic voice. Add engaging details to catch readers' interest and hold their attention.
Industry: Finance
