Term Loans
Flexible funding for growth and strategic goals
Flexible term loans provide lump-sum capital for initiatives such as acquisitions, office expansions, or succession planning. With terms from 6 to 36 months, options for fixed or floating rates, and various collateral choices, our term loans align with your firm’s specific growth objectives and unique circumstances.
Lines of Credit
On-demand capital to boost liquidity
A line of credit offers ongoing access to funds as you need them, ideal for short-term liquidity needs, working capital, or opportunistic investments. With up to 25% Loan-to-Value (LTV), these lines empower you to manage cash flow without disrupting day-to-day operations.
Personal Loans (RIA Owners)
Unlock personal liquidity without diluting equity
Designed for firm principals, these loans provide personal liquidity by accessing your firm equity. Secure funds for personal financial needs, bridge financing ahead of liquidity events, or reinvestment - all without selling ownership or triggering tax events.
FAQs
Commonly Asked Questions
From initial assessment to ongoing support, we provide a clear and structured path to success.
Borrowing is ideal for retaining ownership and quickly accessing liquidity without sacrificing future equity value; it’s typically faster and simpler than selling equity, avoiding complex valuations and lengthy processes. However, selling equity may be preferable for substantial, long-term capital needs or forming strategic partnerships that drive growth.
Our tailored credit solutions offer a tax-efficient way to access liquidity, as loan proceeds are generally not considered taxable income. Unlike equity sales or distributions that may incur capital gains taxes, this approach allows you to manage both personal and firm liquidity without immediate tax consequences.
Missing a payment may result in penalties such as late fees or increased interest rates, and in severe cases, loss of collateral. However, we work with borrowers to offer payment restructuring options where possible.
Funds may be used at the borrowers full discretion including: acquisitions, distributions, technology investment, retirement and transitions, or office expansions (subject to debt levels).
Key Features
Tailored RIA credit solutions unlocking liquidity, preserving control, and maximizing growth
Credit solutions offer many unique advantages for your business and your personal financing needs which equity solution may not sufficiently address.
Enables liquidity without triggering taxes from equity sales or distributions
Tax
Efficient
Allows you to maintain full control over your business while accessing liquidity
Retain
Control
Tailored loans offer faster capital access with minimal scrutiny and fewer delays
Flexible Financing
Supports business growth without equity dilution during critical growth milestones