Private credit
Capital to start or scale a rent-to-own program.
Rent-to-own is the best margin in the outdoor structures business and the hardest to fund, because every contract you write ties up your own cash. We supply the capital so you can keep writing them. Straightforward structures, decided by the people who own the firm.
What we do
Three ways we put capital to work.
Credit facilities
Revolving lines secured by lease receivables, sized to your originations and scaled as the portfolio grows.
Lease receivables financing
We advance against performing rent-to-own paper so you can keep writing contracts instead of waiting on collections.
Custom structures
Term notes, floorplan lines, and one-off structures for situations that do not fit a template. We would rather write something simple that works.
Who we serve
Operators building a rent-to-own book.
- Manufacturers standing up a rent-to-own program across a dealer network
- Independent rent-to-own companies funding their own originations
- Dealers launching rent-to-own for the first time
- Operators expanding past what their own cash can fund, or turning away deals for lack of capital
- Companies consolidating out of a patchwork of small lenders
Process
Three steps, not three months.
Conversation
A call to understand the book, the originations, and what the capital is actually for.
Diligence
We look at the paper and the performance. No committee theater, no ninety day silence.
Term sheet
A structure you can read in one sitting, and a decision from the people who own the firm.
Most borrowers go from the first conversation to funded in under two weeks. We can move that fast, and bend the structure when a deal needs it, because the people deciding are the people who own the firm.
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