Institutional underwriting, from USD 1 million to USD 100 million+
Transparent criteria, disciplined process and senior-level engagement from first submission to funding.
Thresholds for institutional consideration
Our underwriting is calibrated for established businesses with verifiable operating histories. The thresholds below are guidelines; exceptional credits are reviewed on merit.
USD 10M+
Annual revenue
USD 1.5M+
Normalised EBITDA
3+ years
Audited accounts
≤ 5.0x
Total net leverage
Eligibility Matrix
Indicative screening criteria (display only)
- Minimum 3 years of audited financial statements
- Annual revenue ≥ USD 10 million (or equivalent)
- Positive EBITDA in at least 2 of the last 3 years
- Incorporated in an OECD or FATF-compliant jurisdiction
- Identifiable ultimate beneficial owners (UBO)
- Pre-revenue or early-stage venture financing
- Entities in FATF high-risk or sanctioned jurisdictions
- Speculative real estate development without pre-sales
Facility bands and structuring scope
| Facility Band | Typical Structure | Tenor | Security | Decision Body |
|---|---|---|---|---|
| USD 1,000,000 – 5,000,000 | Bilateral senior term loan / ABL | 1–5 yrs | Receivables, inventory, pledges | Credit Committee |
| USD 5,000,000 – 25,000,000 | Senior secured TLA + RCF | 3–7 yrs | All-asset security | Credit Committee |
| USD 25,000,000 – 50,000,000 | Unitranche or club deal | 5–7 yrs | All-asset + share pledge | Credit Committee + Board Risk |
| USD 50,000,000 – 100,000,000 | Syndicated TLA/TLB + RCF | 5–10 yrs | Guarantor coverage ≥ 80% | Board Risk Committee |
| USD 100,000,000+ | Fully underwritten syndication | 5–10 yrs | Bespoke | Board of Directors |
From submission to funding in 9–12 weeks
- Day 0
STEP 01
Confidential Submission
Submit corporate, financial and facility details via the secure Capital Procurement Gateway.
- Days 1–5
STEP 02
Preliminary Credit Screen
Senior banker review of eligibility, leverage capacity and structuring options.
- Days 5–15
STEP 03
Indicative Term Sheet
Non-binding terms covering size, pricing, tenor, covenants and security package.
- Weeks 3–7
STEP 04
Due Diligence & Committee
Financial, legal and KYC diligence followed by independent credit committee approval.
- Weeks 7–10
STEP 05
Documentation
LMA-based facility agreement, security documents and conditions precedent.
- Weeks 9–12
STEP 06
Funding
Satisfaction of conditions precedent and first utilisation.
Meet the criteria?
Begin your confidential submission. Documents are sanitised and stored in encrypted, access-controlled storage.