Projects with the paper in order, matched to your mandate.
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 project financing 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
- Sectors and technologies you finance, and those you exclude
- Stage: construction, operating, or both
- Recourse: non-recourse, limited recourse or sponsor guarantee
- Revenue basis you accept, and minimum counterparty credit quality
- Minimum debt service coverage and maximum gearing
- Tenor and amortisation
- Sponsor equity requirements and the evidence you need
- Independent engineer, insurance and environmental requirements
- Geographies and governing law
- Hedging and reserve account requirements
- 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 of the project company and authority to borrow
- Site control and permit status, with documents
- Revenue contracts and counterparty credit
- Budget, contingency and schedule
- Sponsor equity: amount, source and commitment
- Whether the model ties to the contracts
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
How do you check the model? We confirm it ties to the contracts and the budget and flag assumptions that need your engineer's view. We do not replace your credit work.
Do you screen for permits and site control? Yes, against documents, before any introduction.
Can we set sector exclusions? Yes. They are part of your criteria.
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.