Specialty

Private Credit

Custom non-bank financing negotiated for your business.

At a Glance

Funding Amount $1,000,000 - $50,000,000+

Term 1 - 7 Years

Overview

The Angel Funding Advantage

Private credit is lending that happens outside the banking system: the loan is negotiated directly between you and the lender, so every element — term, covenants, collateral, repayment structure — can be tailored to your situation rather than forced into a bank's rigid credit box.

Our private credit solutions span direct lending (senior-secured term loans to operating companies), asset-based finance secured by cash-flowing asset pools (equipment fleets, receivables, contracts), junior and mezzanine debt that sits behind your existing bank loan, and bespoke capital solutions that blend debt and equity features. Whether you're expanding, acquiring, or navigating a situation traditional lenders won't touch, we structure capital around your business — not the other way around.

Directly negotiated terms
Senior, junior & mezzanine structures
Asset-based options

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Tell Us the Situation

Share your capital need, timeline, and what's blocked you elsewhere — complexity is welcome here.

Bespoke Structuring

Our advisors handle this step for you and keep you informed at every stage.

Direct Negotiation

Terms, covenants, and collateral are negotiated directly — no syndicates, no committees, no waiting on public markets.

Certain Execution

Our advisors handle this step for you and keep you informed at every stage.

Who Qualifies?

Established businesses with meaningful revenue and a clear use of capital
Companies seeking $1M+ in flexible growth, acquisition, or recapitalization capital
Borrowers with strong collateral or contracted cash flows (equipment, receivables, real estate, long-term contracts)

Why Choose This Option

Bespoke terms: covenants, collateral, and repayment structures negotiated around your business — not a bank's credit box.
Senior-secured and asset-backed structures keep pricing competitive for strong collateral.
Flexible position in the capital stack — senior, junior, or mezzanine behind your existing bank debt.
One direct lender relationship — no syndicates or committees slowing the deal down.

Common Scenarios

How businesses use Private Credit

Business Expansion

Funding a new facility, product line, or geographic market when growth can't wait for bank timelines.

Acquisitions

Senior or mezzanine debt to acquire a competitor or fund a partner buyout with a custom capital stack.

Asset-Based Finance

Borrowing against pools of cash-flowing assets — equipment fleets, receivables, or long-term service contracts.

Capital Solutions

Bespoke debt-equity hybrid structures for recapitalizations, turnarounds, and special situations.

FAQ

Frequently Asked Questions

Get the facts on Private Credit.

What is private credit?

Lending that takes place outside the banking system — the loan is negotiated directly between you and the lender rather than syndicated or traded on public markets. That direct relationship is what makes bespoke terms, covenants, and collateral packages possible.

What types of private credit do you offer?

Direct lending (senior-secured term loans), asset-based finance secured by cash-flowing asset pools, junior/mezzanine debt that sits behind existing senior loans, and bespoke capital solutions that blend debt and equity features.

What is asset-based finance?

Lending secured by a specific pool of assets that generates its own cash flow — think equipment fleets, receivables portfolios, or long-term service contracts. The assets, not just the company's balance sheet, support the loan.

Can private credit sit behind my existing bank loan?

Yes. Junior and mezzanine structures are designed to layer behind senior bank debt, letting you raise additional capital without refinancing your existing facility.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

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