Business loans without the banks

Debt funding

Welcome to Fundsurfer Commercial Lending. Ready to supercharge your company? We can help you access our funding partners who specialise in debt finance for SME's. 

SME Lending Investment Range
£50,000 to £2m ($/£/€)

Equipment loan  Equipment loans enable a company to finance specific assets in a cost-effective manner. These loans generally have 36-month terms with the principal amortized monthly. The loans are secured by the equipment itself.  

 

  Growth capital loan/working capital loan  Growth capital loans are used to fund general corporate and operations needs. These covenant friendly, nonrestrictive loans provide start-ups with runway and flexibility and are structured to fit the specific needs of a company. (Covenant friendly meaning they have flexible covenant structures suitable or adjusted for growth stage and VC backed companies). They are usually much more flexible than a bank equivalent. 

 

   Line of credit  A line of credit is a loan facility which is also referred to as an accounts receivable line, a formula line or a receivables line. It can be drawn down as the need arises or not touched at all and saved for emergencies.      Bridge loan  A bridge loan is a short-term secured loan that is used until a company can arrange a more comprehensive longer-term financing. The need for a bridge loan arises when a company wants additional flexibility whilst arranging a longer-term equity or debt facility. 

 

    Pre-IPO loan  A pre-IPO loan would be similar to mezzanine, would be slightly larger than other deals, and would reach maturity after one or two years. 

 

  Account receivable facilities  Accounts receivable facilities are tailored for companies that have reached a threshold of sales volume and therefore could be financed with additional capital. This product is not offered widely amongst European venture lenders. 

 

  Subordinated debt  In some cases, a start-up wants to further delay its next round of financing even though the company already had some debt on its balance sheet. These loans are generally secured by a second lien on the assets of the company and are free of covenants, providing runway or cushion to the start-ups next equity financing. This product is not offered widely amongst European venture lenders. 

 

  Convertible debt  Convertible debt allows a company to convert all or a portion of its outstanding loan into equity at a certain point in the future, usually structured at the outset. This hybrid instrument allows a company to get the benefits of a loan while also enabling it to convert into equity. This product is not offered widely amongst European venture lenders. 

 

  M&A Financing  There are various financing products that can be tailored to the needs of companies that are contemplating mergers, acquisitions, or specialized financial transactions. These products are generally structured to provide maximum flexibility with respect to size, timing, and option value. Structure options enable a company to match its financing needs with its business objectives. 

 

  

Contact us to discuss your funding requirement.

 

Debt/Senior Debt ($50m+)

We work with global debt financiers specialising in structured debt facilities for large-scale project developments and asset acquisitions, as well as credit facilities for debt and equity-based investment funds. They are regarded as financiers of the choice for complex projects and lending cases where traditional lending institutions simply cannot transact.

Senior Debt Investment Range
50 million to 1+ billion ($/£/€)

Markets
- Global mature and emerging markets
Key Benefits
- Secure senior debt at maximum leverage
- LTC ratios up to 100% depending on security
- Complex project funding facilities
- Revolving lines of credit
- Floating & fixed loans at low rates (L+ 2-10% pa)
- Creative security structuring for complex deals
Asset Classes & Sectors
- Equity & debt funds (sector agnostic)
- Project financing:
- Real estate
- Energy & power
- Infrastructure
- Natural resources
- Private equity
- Corporate finance

General Criteria & Terms

- Satisfactory equity contribution &/or security
- Seasoned sponsor/asset manager experience

Junior/Mezzanine Subordinated Debt Investment Range

- 25 million to 250 million ($/£/€)
Markets
- Global mature and emerging markets
Key Benefits
- Optimise capital stack composition
- Minimise equity contributions
- LTC ratios up to 100% depending on security
- Complex project funding facilities
- Floating & fixed loans at low rates
- Creative security structuring for complex deals
Asset Classes & Sectors
- Equity & debt funds (sector agnostic)
- Project investments:
- Real estate
- Energy & power
- Infrastructure
- Natural resources
- Private equity
- Corporate finance
General Criteria & Terms
- Satisfactory equity contribution &/or security
- Seasoned sponsor/asset manager experience

Revolving Lines of Credit

Our investor network provides structured revolving lines of credit to bankroll seasoned asset managers and project sponsors with flexible cost efficient capital. Utilising a uniquely creative approach to collateral and security structuring, we are able to provide access to large-scale credit
lines under flexible terms that provide transactional clout, agility and surety to investment funds and project sponsors.

Credit Line Investment Range
- 100 million to 1+ billion ($/£/€)
Markets
- Global mature and emerging markets
Key Benefits
- Increase capital capability
- Enhance transactional surety & speed
- Optimize debt to equity ratios
- Maximize equity IRR & MOIC returns
- Capture market opportunities with agility
- Creative security structuring for complex deals
Asset Classes & Sectors
- Equity & debt funds (sector agnostic)
- Project developers & sponsors:
- Real estate
- Energy & power
- Infrastructure
- Natural resources
- Private equity
- Corporate finance
General Criteria & Terms
- Satisfactory equity contribution &/or security
- Seasoned sponsor/asset manager experience

Convertible Debt to Equity
Our principal investors and financiers have the rare discretionary ability to structure bespoke debt financing facilities that partially or wholly convert to equity investment. For selected funds, asset managers and project sponsors our convertible debt/equity investments to offer the unique opportunity to shift significant capital from the ‘right’ to the ‘left’ side of the balance sheet; thus, dramatically decreasing debt liabilities while increasing assets under management in the process.

Convertible Debt to Equity Investment Range
- 50 million to 1+ billion ($/£/€)

Markets
- Global mature and emerging markets
Key Benefits
- Enhance capital capability
- Efficiently increase AUM
- Transform balance sheet strength
- Creative security structuring for complex deals
Asset Classes & Sectors
- Equity & debt funds (sector agnostic)
- Project developers & sponsors:
- Real estate
- Energy & power
- Infrastructure
- Natural resources
- Private equity
- Corporate finance
General Criteria & Terms
- Satisfactory equity contribution &/or security
- Seasoned sponsor/asset manager experience
- Approved investment/business plans
-Agreed partnership structure

Contact us to discuss. 

 

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