Tailored Private Credit Solutions

Our flexible mandate enables us to provide tailored credit solutions including asset-based revolvers, asset-backed term loans, cash flow term loans and guarantor-based term loans.

Companies We've Partnered With

WHAT WE DO

Lending Partner

Lower middle market businesses and entrepreneurs are often underserved by traditional banks and credit funds—but that’s where SG Credit Partners comes in. Our capital base and platform enable us to apply four distinct approaches including asset-based, asset-backed, cash flow and guarantor collateral. We are able to apply these approaches individually or in combination to provide a complete solution when other lenders face limitations.

$3 - $20MM+

Loan Size

Flexible

Security

6 - 48 Months

Term

Structure

Cash Flow

1st lien term loan, 2nd lien term loan, or unitranche

Asset-Based

Working Capital (ABL) Revolver

Asset-Backed

Collateral-Backed Term Loan - equipment, IP, Real Estate, other assets

Guarantor-Based

Flexible business loans backed by non-business / personal assets (1st lien, 2nd lien, or unsecured)
1st lien, Split lien, 2nd lien "stretch" loans

Borrower Profiles

Asset-Based
Asset-Backed
Cash Flow
Guarantor-Based

Who We Work With

Asset-Based

SG provides tailored asset-based lending solutions for companies that seek greater flexibility or generally do not qualify for commercial loans with banks. Our approach is to understand the collateral and business profile to determine how we can add value.

Size $20+ million annual revenue

Collateral Accounts receivable, inventory, M&E

Situations Working capital, turnarounds, restructuring, growth capital, acquisitions

Structure 1st lien working capital (ABL) revolvers, selective over-advance facilities

Underwriting

Traditional ABL formulas

Who We Work With

Asset-Backed

SG provides liquidity solutions across multiple forms of collateral. Our point of difference is that we lend against working capital assets, machinery & equipment, real estate, and intangible assets individually or in a pool of collateral. In addition, we can provide stretch pieces based on cash flow or guarantor support.

Size $10MM - $100MM+ Revenue

Collateral Working capital, M&E, RE, IP, guarantor assets

Situations Broad use of funds

Structure 1st lien working capital (ABL) revolvers, 1st lien or split lien collateral-backed term loans

Underwriting

LTV based on appraised collateral value

Who We Work With

Cash Flow

SG invests primarily in senior secured loans to strong, defensible businesses with demonstrated enterprise value. As a lending partner, we work with lower middle market businesses that are often overlooked by traditional credit funds and banks. Our financing solutions are tailored to the unique needs of sponsored, non-sponsored, and entrepreneur-owned businesses.

Size $10MM – $100MM+ Revenue, $1.5MM+ EBITDA

Industry Agnostic

Situations Working Capital, Growth Capital, Acquisitions, Shareholder Buyouts

Structure 1st Lien Term Loan, 2nd Lien Term Loan, or Unitranche

Underwriting

Cash flow for debt service, leverage, enterprise value

Who We Work With

Guarantor-Based

SG serves as a lending partner to entrepreneurs and sponsors with efficient and customizable structured credit solutions. SG's Guarantor-Based lending team has the specialized knowledge and experience to structure financing options that meet your needs. We are here to help business owners access liquidity utilizing their personal balance sheet to solve a business need.

Loan Type Business loans backed by non-business assets

Assets / Collateral Standby letter of credit, marketable securities, real estate (1st and 2nd position), other esoteric collateral

Situations Business turnarounds, taxes, litigation, partnership dissolution, acquisitions, and other short-term needs

Structure 1st lien, 2nd lien, or unsecured

Underwriting

Sufficient net worth, dedicated collateral, future liquidity events