Lender Types
Navigate the world of debt financing with insights into lender options
A Custom Akiri Offering
Syndicated Financing
Akiri assumes the role of administrative agent, documents the terms of the facility, secures investor commitments and in some cases participates directly in the financing.
Syndicated lending profile
- Asset backed
- Cash flow positive
- Senior lien on securities backing facility
- Corporate and personal guarantees
Banks
Banks evaluate credit through strict financial metrics. They require detailed financial statements and proven revenue streams.
Bank lending profile
- Account relationship
- Sustained profitability
- Senior Lien
- Monthly (quarterly) financial reporting
- Personal guarantee (likely)
- Least expensive option
Hedge Funds
High-risk investments targeting significant returns. Specialized lending with complex risk assessment models.
Hedge fund lending profile
- Cash flow performance and projected growth
- Non-correlated markets/business
- Valuation of corporate collateral
- Senior Lien
- Monthly financial reporting with active corporate oversight
- Interest loan with upside kicker
Asset Backed Lending
Collateral-based financing provides flexible financing options.
ABL profile
- Valuation of corporate collateral
- Cash flow derived from business collateral
- Senior Lien
- Monthly financial reporting with active corporate oversight
- Personal guarantee (likely)
Factoring
Financial transaction lending in which a business sells its accounts receivable (invoice) to a third party (Factor) at a discount
Factoring profile
- Strict notifcation of invoice sale to payor
- Invoice payment direct to the Factor
- Senior Lien on purchased invoices
- Customer relationship history
- Personal guarantee
Hard Money Lending
High-yield lending for businesses with critical short-term cash needs.
Hard money lending profile
- Projected 1-2 year corporate cash flow performance
- Valuation of corporate/personal collateral
- IRR focused
- Loan duration typically less than one year
- Senior Lien
- Personal guarantee
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