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Good Morning Everyone

Last Week's and January’s Top Deals Plus:
📊 Weekly Scoreboard
💫 Borrower's Blueprint
🎯 Deal Flow Deep Dive (Targets for Brokers, Lenders, FO, M&A, and PE Firms)
💎 New Loan Programs
🤖 US Market Trend
🌱 Global Trend

Let’s dive in.

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I hope you find value in today’s newsletter if:

1) You want to know what active Growth Cap and ABL lenders are mainly financing
2) You want innovative insights/strategies to secure Growth Cap and ABL debt financing.
3) You seek active Growth Cap and ABL lenders to close your next deal.

Bridge Loan Guy
Top Loans of the Week

Top Growth Cap/ABL Lenders
Refinance & Growth: Ares Management, Leste Group, Eden Global Partners, Allianz X, Trinity Capital, and Leonid Capital Partners
Senior Secured / Term Loans / Revolvers: CIBC, Citibank, Bank of America, and PNC Bank (Joint Lead Arrangers)
Acquisition Capital: Monroe Capital
ABL/Factoring: nFusion, TAB Bank, Coral Capital Solutions, 1st Commercial Credit, Alleon Healthcare Capital, Cloud Capital
ABL/Factoring: King Trade Capital

Largest single deal: Boldyn Networks US closed $1.2 billion in Senior Secured Credit Facilities and Fixed-Rate Notes from CIBC

Number of states involved: 24 (major deals in CA, NY, TX, FL, MA, AZ, UT, NJ, and more)

Sectors financed: Medical technology, music royalties, e-commerce, logistics, construction, aerospace, healthcare, and fintech

Growth Capital Loans
◾ CIBC Agents arranges a $1.2B debt financing for Boldyn Networks to fuel its future growth and innovation Read
◾ Influence Media Partners raises $360M in debt financing led by Goldman Sachs to power its strategic expansion Read
◾ Billor secures a $330M credit line and equity investment from Leste Group to accelerate its expansion Read
◾ Ares Management provides a $275M credit facility to ID.me to boost its digital identity platform Read
◾ Openly announces $193M in financing to expand its home insurance platform nationwide Read
◾ The RMR Group secures a new $100M revolving credit facility arranged by Citibank to enhance its liquidity Read
◾ Trinity Capital Inc. provides $30M in growth capital to Elucent Medical to drive surgical innovation Read

Asset-Based Loans
◾ MidCap Financial closes a $145M asset-based credit facility for Newman Tractor to drive growth Read
◾ Coral Capital Solutions extends a $42M factoring facility to a leading medical device manufacturer Read
◾ nFusion Capital provides a $12M ABL facility to a construction company to boost its working capital Read
◾ 1st Commercial Credit, LLC completes a $7M factoring facility for a temp-staffing agency to streamline payroll funding Read
◾ King Trade Capital provides a $5M purchase order finance solution for an aerospace contractor to secure essential components Read

🏆 Winners 
◾ Digital Identity Pioneers: ID.me secured a $275 million credit facility from Ares Management and an equity investment to accelerate its digital identity wallet platform. With over 139 million users, this deal showcases the increasing importance of digital trust in the economy.
◾ IP-Backed Deals: Influence Media Partners raised $360M through innovative music royalty securitization, showing strong institutional appetite for alternative asset-backed structures
◾ Healthcare Tech Growth Companies: Elucent Medical's $30M growth capital from Trinity Capital, following their $44M Series C round, highlights lender confidence in healthcare innovation

❌ Losers 
◾ Traditional Working Capital Borrowers: Companies without clear growth stories or specialized assets are facing higher rates and shorter terms in standard ABL facilities
◾ Early-Stage Companies Without Government Contracts: Firms lacking government contracts or predictable revenue streams struggle to secure growth capital without significant equity dilution
◾ Single-Product Companies: Businesses without diversified revenue streams or multiple products face increased scrutiny and potentially less favorable terms, as lenders prioritize companies with broader market presence

📝 Current Tips For Borrowers

1. Leverage Non-Traditional Collateral for Asset-Based Financing

   If your business has intangible assets like patents, trademarks, or recurring revenue streams, work with lenders specializing in alternative collateral structures. This approach can unlock significant capital that might otherwise remain untapped.

2. Structure Your Financing for Flexibility

   When negotiating financing, prioritize flexibility over lower interest rates. Look for features like accordion options (to increase the facility size), extension rights, and covenant-lite terms. These provisions can provide a safety net during periods of volatility or rapid growth.

3. Align Your Financing Strategy with Macro Trends

   Position your business as a solution to a macro trend. Whether it’s the rise of AI, the shift to renewable energy, or the growth of e-commerce, lenders are more likely to invest in companies riding the wave of a larger economic shift.

💡 Weekly Opportunities

1. Brokers 
   ◾ Government Contractor Supply
   Target: Companies that provide specialized components, testing services, or compliance software to government contractors often have predictable cash flows but struggle with working capital due to long payment cycles
   Referral Partners: Government contract consultants and procurement officers at prime contractors
   

2. Financing Opportunities for Lenders
   ◾ Enterprise SaaS with Identity/Security Focus
   Why It Works: High margins, sticky enterprise customers, regulatory tailwinds
   Similar Target: Okta
   Pro-Tip: Look for net revenue retention >120% and gross margins >70%
   
   

3. Opportunities for M&A Investment Bankers
   ◾ Healthcare Tech Integration Plays
   Why It Works: Healthcare providers are desperate for workflow automation and integration. The fragmentation in healthcare technology creates perfect consolidation opportunities. The market rewards integrated solutions because they reduce IT complexity, improve patient outcomes, and lower total cost of ownership.
   Similar Target: Omnicell (healthcare automation)
   Referral Partners: Healthcare IT consultants who understand workflow pain points, medical device distributors witnessing integration challenges, specialist healthcare attorneys handling compliance issues, and hospital CFOs looking to reduce vendor complexity.
   
   

4. Opportunities for Family Offices
   ◾ Insurtech companies blending AI with traditional networks
   Why It Works: This model succeeds by combining AI-driven cost reduction in underwriting with the established distribution of conventional agent power networks.
   Similar Company: Hippo Insurance
   Pro-Tip: Target sub-industry average loss ratios
   Referral Partners: Regional insurance agency network leaders managing technology transitions, insurtech accelerator program directors identifying promising startups, and risk management software providers serving independent agencies.
   

5. Opportunities for Private Equity
   ◾ Tech-Enabled Trucking Platforms- Companies combining fintech, logistics, and driver empowerment

   Why It Works: $800B trucking industry fragmentation creates tech consolidation opportunities. Driver ownership model addresses chronic retention issues while generating recurring revenue through an integrated payments/logistics platform
   Similar Company: CloudTrucks (valued at $850M)
   Pro-Tip: Look for >80% driver retention rates and proprietary fleet management software
   Referral Partners: Commercial fleet management consultants specializing in owner-operator programs, logistics technology integrators serving mid-market carriers, and CDL training schools with established relationships with major trucking companies.

💡 Trends and Strategy

US Market
Last month, we witnessed a fascinating convergence in the infrastructure financing space, exemplified by Databricks' massive $5 billion debt raise from Blackstone, Apollo, and Blue Owl Capital, alongside Sentry Financial's $68 million equipment lease for NVIDIA AI servers. These deals reveal a new pattern where traditional infrastructure lending is intersecting with AI computing needs, creating novel financing opportunities.

This trend signals a broader transformation in how computing infrastructure is being financed, with implications far beyond the tech sector. The financing structures being developed for AI infrastructure are creating templates that could be applied to other capital-intensive industries, particularly those requiring specialized equipment financing.

Strategies
Mid-Market Firms
1) Regional data center operators can secure better financing terms by developing specialized equipment leasing programs for their clients' AI/ML computing infrastructure.
2) Mid-market commercial real estate owners can retrofit buildings with enhanced power and cooling capabilities specifically for AI computing needs and then use these improvements to secure better financing terms.

Small Businesses
1) Local IT businesses can create niche services (such as monitoring systems for power usage and cooling) related to AI infrastructure maintenance and optimization.
2) Small technical service companies can establish specialized services for recertifying and remarketing used AI hardware (like NVIDIA servers), partnering with equipment lenders as their end-of-lease asset management solution

Capital Sources: Blackstone, Apollo Global Management, Blue Owl Capital, Sentry Financial

Strategic Partners: Data center consultants, Equipment leasing specialists, and Power infrastructure advisors

Across the Pond
January saw multiple major sustainability-linked loans (SLLs) across diverse sectors, including RELEX Solutions' €10M green revolving credit facility, JK Tyre's $100M SLL, and HKBN's HK$5.25B SLL. These deals demonstrate that green financing is no longer limited to obvious environmental projects but is expanding into traditional industries seeking to improve their sustainability metrics.

The integration of specific ESG KPIs into loan terms, such as HKBN's focus on Scope 1, 2, and 3 emissions plus cybersecurity metrics, signals a maturation in how lenders evaluate and price sustainability risk. This evolution creates opportunities for companies across all sectors to access preferential financing terms by embedding sustainability into their operations.

Strategies
International Firms 
1) Partner with green financing institutions like the European Investment Bank (EIB) or IFC to secure lower-cost capital for sustainable projects
2) Partner with sustainability rating agencies to develop credible ESG metrics

US Companies 
1) Target joint ventures with European or Asian firms specializing in renewable energy or EV infrastructure to leverage their expertise and access new markets.
2) Target European banks expanding their green lending portfolios in North America

Capital Sources: BNP Paribas, SMBC, Crédit Agricole, ING Bank

Strategic Partners: ESG consulting firms, Sustainability rating agencies, Environmental engineering firms, and Green certification bodies


New Loan Programs/Lenders
◾ Choice Hotels International secures a strategic financing partnership with Bridge to offer affordable capital solutions for hotel owners Read

😲 Didn’t see that one coming

◾ Bank of America faces a class action for allegedly neglecting mortgage loan requests Read
◾ Flagstar Purges secures a $4.7B purge of CRE loans as losses narrow through Read
◾ Bright Green goes bankrupt under Chapter 11 as market pressures mount through Read
◾ The Peach Owner is sued for allegedly faking leases to land a mortgage through Read
◾ USAA sues Regions Financial Corporation over alleged mobile deposit tech patent infringement through Read

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We welcome any feedback on how to improve your experience. If you have anything interesting to share or a deal that we can help with, reach out to us by sending us an email at [email protected]. Thank you for reading, and enjoy the rest of your week.

Lastly, no content provided by Bridge Loan Guy or Loans, Lenders & Leverage should be considered tax, investing, or financial advice. This email and any other content we provide are for entertainment and education purposes only. We do not claim to provide tax, investment, financial, or other legal advice. Any content provided by Bridge Loan Guy or Loans, Lenders & Leverage is the personal opinion of our owners and/or staff – you should always conduct your own research.