Short-term and junior risk, screened before it reaches you.
You know what you write. We hold your criteria on file, in your words, and introduce only borrowers that fit them, after we have reviewed their information. Facilities from $5 million, typically $10 million to $250 million.
Who this is for
Banks, credit funds, family offices and specialty finance companies that write bridge and mezzanine of $5 million or more, typically in the $10 million to $250 million range. We describe lenders by type and never name them.
What you tell us
Your mandate, once, in writing. We update it when it changes.
- Facility size range and hold size
- Structure: bridge or mezzanine; senior or junior; secured or unsecured
- Tenor and minimum or maximum term
- Collateral and loan-to-value or loan-to-cost limits for a bridge
- Leverage attachment and detachment points for mezzanine
- Return structure: cash coupon, paid-in-kind, fees, equity features
- Industries and geographies you will and will not consider
- Sponsor-backed or not; minimum EBITDA or revenue
- Intercreditor positions you require
- Evidence you need of the repayment source
- Closing speed you can offer; who receives introductions
What you receive
- A fit note first. A short, anonymised description of the opportunity against your criteria. No company name.
- Your yes or no. If yes, the borrower and you both sign the NDA.
- A screened package in an access-controlled data room.
- A clear route to a term sheet. You underwrite and decide. We manage the process and the timetable.
Every view of the room is logged.
How we screen borrowers
- Identity, ownership and authority to borrow
- The repayment source for a bridge, with evidence, and its timing
- Senior-debt restrictions and intercreditor limits
- Valuation support and existing liens
- Use of proceeds and the closing date
- A realistic view of the borrower's ability to carry the cost
We do not replace your underwriting. We reduce the number of introductions that fail at the first hurdle.
Fees
Your engagement agreement sets out what you pay and when, before you sign. In short: a platform fee for access to screened deal flow, and a per-transaction fee when a loan we introduced is originated. A platform fee is not a guarantee of volume.
Questions
Do you know how the borrower will repay? We require a stated, evidenced repayment source before we introduce a bridge, and say where we are not convinced.
Do you check the senior documents? We read them for restrictions on junior debt and flag conflicts before you spend time.
Can we set an equity-feature preference? Yes. It is part of your criteria and screens what we send.
Do you commit capital or take credit risk? No. We introduce. You decide and fund.
How do you keep a borrower's information safe? NDA first, an access-controlled room, personal links with emailed one-time codes, a watermark on every page, and a log of every view.
Commercial lending introductions are provided by River Guide Labs, LLC. They are not securities transactions and are not offered through Finalis Securities LLC. Securities transactions are offered only through Finalis Securities LLC, Member FINRA / SIPC. River Guide Labs does not lend, commit capital or guarantee that any financing will be offered. Size ranges are typical, not offered terms and not a record of past transactions.