Private credit,raised properly
Borrowers and sponsors raising private debt, presented with the security package, coverage and covenant position resolved up front.
What is different about raising in private credit
Credit investors underwrite downside. The materials have to lead with coverage, security and what happens if the plan slips.
Covenant design and headroom is a negotiation you want to enter prepared, with your own modelling.
Existing lender consents and intercreditor position are frequent, avoidable deal-killers.
The engine behind the raise
Capital types we most often work across here: Private credit, Asset-backed lending, Mezzanine.
- Credit memorandum: use of proceeds, coverage, security and downside cases
- Covenant modelling with headroom analysis under stress
- Existing debt, consents and intercreditor position mapped before outreach
- Lender and private credit investor audience matched to ticket size and structure
- Process management through to term sheet and completion
The questions capital will ask
If you cannot answer these with evidence in the data room, the process stalls at week two.
- What is the security package, and what ranks ahead of it?
- What is interest and debt service coverage under base and downside cases?
- What existing debt is in place, and are consents required?
- What is the use of proceeds and the repayment or refinancing route?
We work across private markets
Fintech
Payments, lending, wealth infrastructure and embedded finance, raised with materials that survive a diligence team who already knows the sector.
View sectorDeeptech
Hard science, long horizons and technical risk, presented so a generalist committee can underwrite what a specialist already understands.
View sectorTechnology and software
SaaS, marketplaces and platforms, raised on metrics that reconcile to the accounts rather than to a slide.
View sectorLife sciences
Clinical, regulatory and reimbursement risk explained in one sequence a committee can underwrite.
View sectorBiotech
Platform or asset, preclinical or clinical, the raise gets built around what the next milestone proves and what it costs.
View sectorHealthtech
Digital health and care technology, raised on adoption evidence, procurement reality and a credible route to contracted revenue.
View sectorEngineering and industrials
Manufacturing, advanced engineering and industrial businesses, raised on order book, capacity and the capex plan behind them.
View sectorCleantech and energy transition
Where technology risk meets project risk, raised with the structure, offtake and permitting position resolved before outreach begins.
View sectorInfrastructure projects
Shovel-ready or nearly there, raised on planning, permits, offtake and a contracting structure that stands up to lender diligence.
View sectorReal estate
Development and income strategies, raised on site control, planning status, debt position and a stated exit.
View sectorSustainable Wealth Group is not authorised or regulated by the Financial Conduct Authority. Nothing on this page is advice, or an invitation or inducement to engage in investment activity. Capital at risk.