Monetization Financing vs Traditional Funding

VC/Investors
EquiLease One/SGC Bank
Funding Applications No Industry Limitations Traditional Start-Up
Expansion/Growth/Mezzanine
Recourse No; Funding is non-recourse to borrower Yes; Funding is recourse to borrower and often personal Yes: Funding is recourse to borrower
Funding Scope $5 million and up Limited by department and credit review committees Highly variable and dependent on fund size
Loan to Value 100% net present value of future payment stream Typically 10% – 50% Typically 10% – 70%
Interest Rate Fixed; Competitive Not Fixed; May be competitive Not Fixed; Not Competitive
Fees or Equity Grants None Closing & renewable fees Typically Fees AND Equity
Time to close 2 – 4wks 90+ Days 6mos – 18mos
Post Funding Reporting None Quarterly Monthly/Daily
Repayment Structure Customized to suit specific cash flow needs of project including option to defer start of repayment for up to 10 years Restrictive/Rigid 5-7 yr 10x Investment return expectation
Covenants & Reporting to Credit Agencies None Restrictive/Rigid Extensive and complicated
Security/Collateral Assignment of unconditional promise to pay from creditworthy entity 1st Lien position on tangible assets Control
Oversight None Audits, frequent reviews – life of loan Board representation
Documentation Efficient – prepared in-house Litigious and Extensive Litigious and Expensive
Relationship Dynamic Team/Collegial Supportive relationship manager , adversarial senior management Adversarial



Simply stated we offer the best financing package available to investment grade entities – low interest rates, no equity or board seats, no covenants, no oversight and done in a quick and efficient manner.

Contact Rob today to discuss your financing options
@ 303-521-7622
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