What is the profile of your typical borrower?

Borrowers are typically small/medium enterprises and their rising centimillionaire owners.  

SME is roughly defined as follows: 

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​​Rising centimillionaire is any entrepreneur, founder or family office with current or aspiring net worth in excess of $100,000,000.  

We do not arrange or advise on consumer loans.

 

What are your other borrower requirements?

Prospects must be (a) looking for loans in one of the 20 listed categories, (b) the loan must be in excess of $3,000,000, and (c) the personal guarantor with a tangible net worth of > $75,000,000.  

 

What types of Collateral are eligible for loans?

Typically, the loans fit into the 20 categories on the ABOUT page (www.caplinx.com/about), however other categories may be considered.  

 

Do you make loans only in Florida?

No, we have a national coverage effort and will even consider international clients and loans.

 

What are the interest rates that you typically charge, loan term and other structure terms?  

Most of our loans are bank loans and based off a SOFR benchmark.  Spreads are typically in the 100 to 300 basis point range but may be higher.  Most loan maturities are in the 5-year to 7-year range.  The vast majority of our loans (> 90%) have personal guarantees.

 

Do you only lend to individuals?

Typically, we lend to companies, and 80 percent of our loans include personal guarantees.

 

What is your loan processes, and what is the typical timeline?

For our transaction-based engagements, our process includes: 

1 – Information request

2 -  Build dataroom

3 – Underwriting and analysis

4 – Lender Mapping 

The typical timeline is 4 weeks. 

Our other engagements are typically hour-based or milestone-based. 

 

How do you fee?  

We have two ways of charging clients. First, as a transaction fee we charge a percentage of the transaction value.  Second, as an advisory fee we charge based on the time, effort and skill of work performed.  All fees are based on the Economic Value Added to the situation.