Societies and investment funds
Direct lending is mainly financed by investment funds that mobilize resources from financial markets, institutional investors, banks, public administrations, family offices, etc. to invest them through direct loans to companies that are not listed on regulated financial markets of fixed income or fixed income.
Direct Lending has a greater flexibility in terms of its ability to finance, since it is not limited to a series of solvency and guarantee requirements, since these are investment vehicles that are not subject to international agreements and regulations in the banking sector. However, this does not mean that there are no internal controls in the study process and that there are no comprehensive control and analysis systems that guarantee a professional management, responsible and in line with the investment criteria set by the funds and companies investment.
For this reason we can channel financing through longer term operations, higher volumes, different levels of coverage and more flexible financing in terms of capital and interest repayments, etc. in relation to what banks can offer.
As a result, Direct Lending funds can provide the company with a type of financing solution that complements the banking offer.
Direct Lending Type of Operations
Operations that are carried out through loans with terms of 3 to 10 years, aimed at consolidated companies, with growth projects or with solid real guarantees, project finance (project financing and contracts), etc.
Operations that are carried out through loans and credit lines in installments between 3 months and 36 months, aimed at financing domestic and international orders and operating contracts.
Factoring transactions usually provide without recourse, as well as discount of promissory notes. The fund focuses on the study of risk not so much in the solvency of the transferor as in the solvency of the business of the commercial title.
Operations backed by some type of solvent and liquid guarantee that allows to raise specific financing for a project or to anticipate future collections, etc.