Private Credit

Custom Credit Solutions for Growth Stage Companies

Targeting expansion stage technology and technology-enabled services companies nationwide.

Filling the growth capital funding void

Many expansion-stage technology driven companies have difficulty accessing traditional lending and equity sources. The Sun Mountain team has decades of experience providing highly tailored lending solutions to high quality, high growth companies whos needs aren’t otherwise being met by the commercial banks, venture capitalists, venture lenders and mezzanine lenders.

We discover, validate and unlock value from different vantage points

Tailored Structures

Creative payment plans and underwriting – which is not tied to EBITDA multiples or rigid borrowing base calculations

Creative Collateral

We identify and value collateral suited to tech companies, IP, recurring revenue, licensing agreements, enterprise value and more

Cheaper than Equity

Our capital is non-dilutive, board seats aren’t required, and companies are not forced to sell the business to pay off the loan

Follow-on Capital

Follow-on capital reserved for all portfolio companies. Where appropriate, we can participate in follow-on equity rounds or secondary offerings

Value-added Partner

Act as a resource for business development, recruiting, M&A, strategy, follow-on capital, operational support and more

Broad expertise. Cross-strategy solutions. Sustainable outcomes.

What to expect

Our typical loans are $2 – $7 million.
Use of proceeds include:
  • Working capital flexibility
  • Funding growth initiatives
  • Refinance existing credit facilities that are nearing maturity and or have less than optimal structures
  • Acquisition financing
  • Bridge between equity rounds or to an exit

What we look for

Revenue run-rate of $5+ million

High growth, proven momentum

Recurring or predictable revenues

Cash flow breakeven or sufficient liquidity reserves

Attractive gross margins

Capable core leadership team

Selected Portfolio*