Leverage Your Assets

Asset-based loans offer businesses a unique financing solution by leveraging assets as collateral. Unlike traditional loans, which rely heavily on creditworthiness and cash flow, asset-based loans focus on the value of the assets being used as collateral. At SR Alternative Credit, we provide asset-based lending solutions tailored to the unique needs of each borrower, unlocking immediate capital for growth, cash flow management, or other strategic initiatives.

Transaction Characteristics

Alignment of Interests
We seek transactions where borrowers have significant capital at risk.

Flexible Financing Solutions
Offering senior secured term loans, revolving facilities, principal transactions, or combinations thereof.

Terms and Rates
Transactions range from $10 million to $50 million, with maturities of 1-4 years and floating or fixed interest rates, tailored to the risk and asset type.

Global Reach
Our transactions focus on U.S borrowers, however, we can entertain transactions in Canada, South America, Australia, Europe, and Asia.

Borrower Support
A high-touch approach ensures we provide advisory services as needed, demonstrating our commitment to borrower success.

Versatile and Adaptive
We are opportunistic and asset agnostic, capable of handling a diverse array of financing needs.

Asset Experience

SRAC boasts a vast array of asset-based lending experience, covering but not limited to:

  • Auto Loans and Leases
  • Art and Antiquities
  • Aviation
  • Transportation
  • Commercial Receivables
  • Credit Card Receivables
  • Consumer Loans
  • Consumer Leases
  • Charged-off Debt.
  • Film Financing
  • Inventory
  • Legal Settlements
  • Machinery
  • Equipment
  • Merchant Cash Advances
  • Medical Receivables
  • Rail
  • Small Business Loans
  • Tax Credits
  • Trademark Royalties
  • Other Hard or Esoteric Assets

Representative Transactions

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Auto Loans

$20,000,000

Auto Loans

$20,000,000

Senior Secured Revolving-to-Term Credit Facility

Senior Secured Revolving-to-Term Credit Facility secured by subprime vehicle retail installment contracts backed by Automobiles and Light Trucks.

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Aviation

$14,000,000

Aviation

$14,000,000

Senior Secured Draw Facility

Senior Secured Draw Facility for ownership and conversion of two aircrafts to cargo, including maintenance and leasing.

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Art and Antiquities

$40,000,000

Art and Antiquities

$40,000,000

Senior Secured Revolving-to-Term Facility

Senior Secured Revolving-to-Term Facility secured by fine and decorative art and antiquities

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Trade Finance

$8,000,000

Trade Finance

$8,000,000

Senior Secured Draw Facility

Senior Secured Draw Facility secured by green and processed tobacco.

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Chemical Containers

$10,000,000

Chemical Containers

$10,000,000

Co-Investment in a Senior-Secured Term Loan.

A co-investment in a senior-secured sustainability-linked term loan to a global provider of containers (LIBC, DIBC & ISO).

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Shipping Container

$10,000,000

Shipping Container

$10,000,000

Senior term loan

Senior term loan facility on containers and leases

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Water Rights

$7,000,000

Water Rights

$7,000,000

Senior Secured Term Loan

Senior Secured Term Loan secured by water rights.

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Infrastructure

$8,000,000

Infrastructure

$8,000,000

Investment in a Series A Preferred Shares

An investment to support the company’s refinancing and growth in water infrastructure.

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Supply Chain Finance

$15,000,000

Supply Chain Finance

$15,000,000

Senior Secured Revolving Credit Facility

Senior Secured Revolving Credit Facility to fund advances under lines of credit extended to small and medium enterprises to satisfy their vendor payments.

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Credit Card Receivables

$37,000,000

Credit Card Receivables

$37,000,000

Senior Secured Revolving-to-Term Credit Facility

Senior Secured Revolving-to-Term Credit Facility secured by subprime credit card receivables.

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Consumer Loans

$20,000,000

Consumer Loans

$20,000,000

Senior Secured Revolving-to-Term Facility

Senior Secured Revolving-to-Term Facility secured by retail installment sales contracts.

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MCA

$48,000,000

MCA

$48,000,000

Senior Secured Revolving-to-Term Facility

Senior Secured Revolving-to-Term Facility secured by merchant cash advances

Disclosure for the representative transactions

The examples of specific transactions listed above are included merely to illustrate the types of investments and strategies that may be pursued by SRAC and SRAC’s due diligence and investment process. These examples represent investments made by various investment vehicles managed by SRAC and are not representative of all types of investments that may be pursued by SRAC. It should not be assumed that similar investments will be profitable or that recommendations made in the future will be profitable or are representative of investments that will be made in the future by SRAC. The information included in the examples listed above should not be considered a recommendation to purchase or sell any particular security or pursue any particular investment strategy. There can be no assurance that any SRAC investment will achieve its objectives or avoid substantial losses.