SG Credit Partners is a national lender providing $1 - $10mm situational capital to lower middle market businesses. We focus on the underserved part of the market where borrowers’ credit profiles or needs do not fit traditional mezz, equity, and/or other credit fund offerings.
Our deals are structured as a term loan (6-36 months) and range from interest-only to amortizing depending on credit profile and deal structure. What makes our platform unique is our ability to structure deals around a broad use of proceeds and situations – loans can be structured as 1st lien, 2nd lien, split-lien, or uni-tranche. We are industry agnostic and can underwrite a deal solely based on cash flow/liquidity, collateral/enterprise value, a strong/secured guaranty, or a combination thereof. Our borrowers generally fit one of the following credit profiles – structured cash flow, non-conforming ABL, SaaS/recurring revenue, or high net worth guarantor.
Headquartered in Southern California with offices throughout the country, SG Credit Partners has provided in excess of $250 million to 150+ borrowers across a variety of industries. We pride ourselves on flexibility, speed and certainty to close as well as providing creatively structured solutions that do not require equity and have minimal covenants.