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Strategies And Products


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Strategies And Products


Fast, Efficient, Supportive Capital

There are no layers of bureaucracy for the borrower to wade through for a credit decision and funding. We have a concentrated team of seasoned credit professionals who, based on experience, can quickly assess situations, structure transactions and compress the process of diligence and documentation. Our investment professionals are also portfolio managers, so borrowers' primary point of contact remains the same throughout the life of the loan.

During the entire process, from our initial conversations with a prospect to the funding of a loan, we work hand-in-hand with customers to ensure we are customizing our financing solutions. Our diligence work – qualitative business review, collateral audits, appraisals, legal documentation – is typically completed within a streamlined six-week timeframe. We lead every process with open and consistent communication so that everyone has updated information in real-time as we proceed towards the closing.

Once a loan is closed and funded, Stonegate maintains close relationships with our customers. We view each loan as a partnership. We have experienced the highs and lows of many businesses and understand how to work with borrowers to help them manage through these cycles. We make sure reporting requirements are thorough yet nimble, and that we are accurately understanding the daily, weekly, or monthly funding requirements of our borrowers. Our primary goal is to enable our customers to focus on what’s most important – having the flexibility and freedom to run their business successfully on a day-to-day basis.

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At Stonegate Capital, we pride ourselves on being nimble and adaptive. As market conditions change, we can continue to serve borrowers throughout the credit cycle—offering products that fit their needs, in positions that are mutually beneficial. We have the flexibility and creativity to structure deals that are customized for a company’s unique financial situation. Below are some of the primary products and industries in which we invest:

Products:

1st Lien Asset-backed Revolvers
Stretch Loans
Secured Term Loans
Second Lien
DIP Loans
Buyout Loans
Growth Capital
Venture Debt / SAAS / Recurring Revenue Loans
Re-discount Lending

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ASSET BASED LOANS


ASSET BASED LOANS


Asset-based Loans

For traditional manufacturing and distribution businesses, Stonegate Capital provides senior debt facilities ranging from $5MM to $15MM to work in concert with private owners and lower middle-market equity investors to support continued growth and working capital needs. We place a heavy emphasis on collaboration with portfolio companies to ensure we are customizing our debt facilities to support the individual needs of every borrower.

After closing, we remain close business partners to our portfolio companies to foster business growth through the opening of new relationships across the Stonegate network and through multi-tranche reinvestment opportunities, where appropriate.

Typical Industries:
Manufacturing, Distribution, Transportation, Business Services

Ownership Type:
P/E backed or Privately Held

Structure:
Revolvers, Term Loans supported by A/R, Inventory, M&E, RE, Cash Flow

Key Characteristics:

Stable, mature businesses | Turnarounds with a clear path to positive cash flow | Creative debt structures to support seasonal or cyclical businesses
 

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EMERGING BRANDS


EMERGING BRANDS


Emerging Brands

For emerging brands and high growth consumer product businesses, Stonegate Capital provides senior debt facilities ranging from $2MM to $15MM to work in concert with equity investors to support continued growth and working capital needs. We place a heavy emphasis on stakeholder collaboration to ensure we are customizing our debt facilities to support the individualized needs of every borrower.

Typical Industries:
Consumer Products: Apparel, Accessories, Branded Products, Food and Beverage, Health and Wellness, Luxury Goods

Ownership Type:
P/E backed or significant capital from private owner

Structure:
Revolvers and Term Loans supported by A/R, Inventory, Brand Name

Key Characteristics:
Innovative, high-growth companies run by exceptional management teams. Differentiated, defensible products and brands with loyal customers and retail partners. Breakeven/positive cashflow or significant sales momentum in companies losing money with clear path to achieving breakeven cashflow.
Preferred channels: e-commerce and wholesale.

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TECH


TECH


Software & Technology

For Software & Technology businesses, Stonegate Capital provides senior debt facilities ranging from $2MM to $15MM to work in concert with equity investors to support continued growth and ongoing capital needs. We place a heavy emphasis on stakeholder collaboration to ensure we are customizing our debt facilities to support the individualized needs of every borrower.

Typical Industries:
Mission Critical Software Businesses and Tech-enabled Services (Industry Agnostic)

Ownership Type:
P/E backed or significant capital from private owner

Structure:
Revolvers and Term Loans supported by A/R, Recurring Revenue, Cash Flow and IP

Key Characteristics:
Granular customer base with high retention rates | Breakeven/positive cashflow or significant sales momentum in companies losing money with clear path to achieving breakeven cashflow | Facilities structured around the recurring revenue profiles of a business | Pre-Series A and later | $0.5K - $2.5MM of MRR

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