Risk Adjusted Lending

We lend to companies via 2 separate products.

Credit Opportunities Fund

We provide Australian and New Zealand middle market corporate borrowers with tailored debt solutions via our Thames Credit Opportunities Fund which are structured to ensure they meet the funds mandate and investment criteria yet are flexible enough to satisfy the borrowers funding requirements.

We provide debt facilities to companies who have proven their commercial viability and are adequately capitalized to support and service debt capital funding. 

We also extend debt facilities to the real estate sector with real estate backed loans.

We lend to borrowers on a secured basis taking security over real assets, cashflows, receivables, GSA and market standard credit guarantees and covenants. We also lend on specific opportunities via subordinated financing facilities where the credit metrics provide sufficient comfort when pricing the risk and protecting investor capital.

We are sector and industry agnostic.

Fund use: Corporate - growth/expansion capital, acquisition, bridging, working capital, liquidity or buy out capital. Real Estate backed credit opportunities across the real estate sector.

Loan Amounts: $3 - 45 million

Loan Tenor: 6 months to 3 years

Security: First mortgage over real assets, plus GSA, receivables, cashflow, and market standard credit guarantees and covenants, equity warrants, options and subordinated debt.

Asset Backed Lending

We lend to companies on a Senior secured (first) mortgage basis taking security over real assets, either individually or as a pool.

Lending Criteria guide:

Borrowers: Corporate (no private individuals), Real Estate (excluding construction)

Region: Australia – Eastern Seaboard preferred

Loan Sizes: $8 million and upwards (can be lower subject to the investment managers discretion)

Use of Funds: Growth capital, working capital, bridging, acquisition finance, liquidity, buy-out capital and residual stock facilities.

LVR: Max 65% (subject to investment managers discretion)

Loan Tenor: 6 months – 2 years

Security: Senior secured over real assets and property where an independent 3rd party valuation can be obtained, General Security Agreements (GSA), other assets, cashflow, directors and/or personal guarantees + market standard credit guarantees and covenants

Loan Repayment: Borrower has a clear and viable exit strategy