Our Investment Approach

Early stage companies are often backed by equity investment from angel investors or venture capital firms that require a 10X return over a relatively short period of time.  While this investment structure works well for some companies, many companies either cannot in good faith promise those returns or do not believe that kind of rapid growth makes sense for their business.  

If used correctly, debt can be a powerful tool to fund profitable growth. Debt also allows founders to retain a larger portion of ownership and can fund growth in a broader range of industries/business models. Debt can be an entrepreneur-friendly way to grow a business that is cashflow positive, but may not have enough investment capital to accelerate growth.

While most lenders design their loans for maximum return, we optimize around what's most helpful to the companies we serve, while simultaneously minimizing risk. This means smaller loans with founder-friendly terms.  Our loans fund specific growth projects that enable companies to accelerate profitability and/or hit milestones that open doors to other sources of capital.