Eligible members may request an introduction to an investment bank supportive of the Secure Funder program to explore whether there may be a fit.
Request More InfoA credit facility is a structured financing arrangement in which an institutional capital provider extends a committed line of capital to a lender or specialty finance company. The facility is typically secured by the company's underlying loan portfolio or receivables and is designed to fund originations on a revolving or term basis.
Core components
- Facility structure — revolving, term, or senior-mezzanine configurations
- Borrowing base — the pool of eligible assets that determines available capital
- Advance rates — typically 70%–90% of eligible collateral
- Cost of capital — SOFR plus spread, or a fixed rate depending on structure
- Eligibility criteria — asset-level standards for inclusion in the borrowing base
- Covenants & performance triggers — portfolio-level metrics monitored over the life of the facility
Strategic benefits
- Scalable origination volume without proportional equity dilution
- Improved return on equity through institutional leverage
- Consistent liquidity across market cycles
- Greater balance sheet efficiency
A forward flow agreement is a contractual arrangement in which a capital provider commits to purchase newly originated assets on an ongoing basis at predefined terms. Forward flow arrangements provide a predictable exit for originated deals and are often used in combination with a credit facility.
Core components
- Purchase commitment — the volume of assets the buyer agrees to acquire over a defined period
- Pricing structure — purchase price methodology established in advance
- Eligibility criteria — asset-level requirements for qualifying deals
- Settlement timing — typically 0–5 days from closing
- Servicing structure — defines whether the originator retains servicing post-sale
- True sale structure — assets transfer cleanly off the originator's balance sheet
Strategic benefits
- Immediate liquidity on originated deals
- Risk transfer to the purchasing counterparty
- A predictable, contractual exit strategy
- Scalable growth without accumulating portfolio risk