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Good Morning Everyone

Last Week's Top Deals Plus:
📊 Weekly Growth Cap & ABL Deals
🏆 Winners & Losers
💫 Borrower's Tips To Success
💰 Opportunities (Targets for Brokers, Lenders, FO, M&A, and PE Firms)
📝 New Loan Programs
🦅 February Top US Lenders Summary
🌍 February Top Global Deals Summary

Let’s dive in.

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I hope you find value in today's newsletter if you seek insights on CRE lending trends, financing strategies, and active lenders for your next deal.

Bridge Loan Guy
Top Loans of the Week

Largest single deal: JP Morgan & Lending Syndicate/Getty Images - $1.04 billion refinancing ($580M USD and €440M EUR)

Lender of the Week: First Citizens Bank (4 deals)

February Lender of the Month: Bank of America (7 total, including 4 multi-billion dollar loans)

Global Lender of the Month: OakNorth (4 total)

Growth Capital Loans
◾ Getty Images: $1.04B refinancing from JP Morgan Chase-led syndicate (5-year terms) Read
◾ Surf Internet: $475M from Macquarie Capital (equity) and DigitalBridge Credit (debt) Read
◾ B. Riley: $160M from Oaktree Capital at SOFR+8.00% with equity warrants Read
◾ Wiesner Products: $100M from CIT Commercial Services (First Citizens Bank) Read
◾ Mountain Ridge Capital: $60M facility for Midwest health products distributor Read
◾ Centinel Spine: $60M from SLR Capital Partners with option for additional $10M Read
◾ Southern Transport: $50M from SLR Business Credit for heavy equipment transporter Read
◾ Conexwest: $30M from CIT Northbridge Credit for shipping container provider Read
◾ Capteris: $20M for global specialty chemicals manufacturer's railcar acquisition Read
◾ Urgently: $20M from MidCap Financial with second lien extended to July 2026 Read

Asset-Based Loans
◾ FTAI Aviation: $2.5B from ATLAS SP Partners and Deutsche Bank for aircraft financing Read
◾ Porter Capital: $20M factoring for Dallas-based manufacturing company Read
◾ Raymour & Flanigan: $15.7M from First Citizens Bank Middle Market Banking Read
◾ Formetco: $15M from Gibraltar Business Capital secured by receivables and inventory Read
◾ Utica Equipment Finance: $7.5M equipment lease for waste management provider Read
◾ TAB Bank: $5M facility for Nevada-based agricultural finance company Read
◾ Entrepreneur Growth Capital: $5M facility for kitchen products manufacturer Read
◾ Austin Financial Services: $5M AR-only facility for organic seed manufacturer Read
◾ First Business Bank: $4M factoring for robotics software provider Read
◾ Rosenthal & Rosenthal: $2.5M PO/factoring facility for Arizona pet food company Read

🏆 Winners 
◾ Digital infrastructure operators
◾ Medical device innovators
◾ Asset-rich transportation companies

❌ Losers 
◾ Traditional retail operators
◾ Highly leveraged businesses facing near-term maturities
◾ Early-stage companies without clear paths to profitability

📝 Current Tips For Borrowers

1. Specialized lenders now offer tailored solutions for businesses with concentrated customer bases, particularly when those customers have strong credit

2. Companies can achieve 10-15% savings by restructuring scattered equipment obligations

3. Businesses demonstrating sophisticated data-driven decision-making are securing 75-100 basis points in improved pricing compared to similar borrowers.

💡 Opportunities

1. Brokers 
   ◾ Regional fiber providers, data center operators, and edge computing facilities, particularly in secondary markets where traditional bankers lack specialized knowledge (Referral Partners: Telecom consultants, and rural broadband associations)
   

2. Financing Opportunities for Lenders
   ◾ Businesses building critical infrastructure with subscription-based models
   ◾ Pet industry suppliers with established retail relationships.
   

3. Opportunities for M&A
   ◾ Visual content platforms with established IP and undermonetized assets (Referral Partners: Technology-focused attorneys specializing in IP and digital rights management specialists)
   

4. Opportunities for Family Offices
   ◾ Acquire companies throughout the regenerative agriculture supply chain (Referral Partners: Regenerative agriculture certification consultants and specialized equipment dealers serving sustainable farmers)
   

5. Opportunities for PE Firms
   ◾ Acquire traditional medical device manufacturers with proven products but limited digital capabilities (Referral Partners: Medical device regulatory consultants, healthcare IT integration specialists)

💡 February Trends and Strategy For US Market

Top 3 Strategies
1) Multi-state CRE portfolios are attracting premium financing terms with 30-50 bps better rates and 5-10% higher LTV ratios. The smart play is aggregating similar assets across different markets to reduce concentration risk while standardizing operational metrics for simplified underwriting.

2) The most innovative deals are blending traditional debt with alternative financing elements. Layer C-PACE financing for sustainable improvements, equipment financing for technology infrastructure, and conventional loans for core real estate to optimize your overall cost of capital.

3) High-quality assets are securing favorable terms regardless of asset class challenges. Focus on strengthening tenant quality metrics (credit ratings, lease duration) and building amenities rather than purely on asset class reputation when positioning for refinancing.

Hot Industries Attracting Capital
◾ Industrial Outdoor Storage asset class is seeing significant institutional interest
◾ Skilled nursing, behavioral health, and specialized treatment facilities are attracting targeted lending programs
◾ Specialized fitness concepts with scalable models are securing substantial growth capital

💡 February Trends and Strategy For Global Market

Top 3 Strategies
1) The most successful deals combine multiple capital sources (institutional lenders, development banks, export credit agencies) to create flexible financing structures that distribute risk appropriately.

2) Companies securing the largest facilities are structuring deals with explicit environmental metrics, allowing them to access deeper pools of capital at more favorable terms.

3) Businesses securing significant funding are typically using capital to fuel international growth rather than simply optimizing existing operations—targeting adjacent markets with proven models.

Hot Industries Attracting Capital
◾ Massive capital flows toward renewable projects (wind, solar, biofuels) signal this sector's unstoppable momentum
◾ Platforms addressing specific payment friction points in digital commerce are attracting substantial funding
◾ Lenders are betting big on trade infrastructure modernization with environmental credentials


New Loan Programs/Lenders
◾ Hilco Commercial Industrial launches a $350M equipment finance group to drive strategic market expansion – Read
◾ Gordon Brothers unveils a $300M commercial equipment finance offering, setting a new benchmark in asset financing – Read
◾ Assembled Brands Capital expands a $200M credit platform to support the entire CPG ecosystem and enhance market capabilities – Read
◾ TradeBridge and Amazon partner on a $150M flexible term financing initiative, fueling growth for sellers – Read

😲 Didn’t see that one coming

◾ Joann ends an era by shuttering all 800 U.S. fabric and crafts stores as it seeks a buyer for its legacy operations – Read
◾ Newmark sues former Chicago appraiser over an internal document valued at millions through high-stakes litigation – Read
◾ Alan Burak faces indictment in a $4M fraud scheme targeting the Latino community through aggressive legal enforcement – Read
◾ Google warns users to delete the SpyLoan app amid escalating spyware risks on the Play Store – 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.