About Us
An ASEAN private credit arranger.
Bankable by design. Built for mid-market borrowers and institutional capital.
STIDE is a Singapore-based arranging platform focused on turning complex, often messy mid-market situations into bankable private credit and project finance transactions. We design lender-grade structures around assets and cashflows, engineer SPVs, waterfalls and covenant frameworks, then curate institutional and professional lenders who can actually fund those structures across ASEAN.
The platform
A cross-border arranging platform that sits between mid-market borrowers and institutional capital—structure-first, lender-fluent, and execution-obsessed.
Arranger, not a lender
We do not run a fund, take deposits or hold client money. We design and arrange deals so borrowers and professional lenders can transact on executable terms.
- Mandated arranger on mid-market tickets (typically USD 5–150m)
- No balance-sheet lending or retail distribution
- Independent of any single capital provider
Bankable-by-design playbook
We reverse-engineer what credit committees, legal counsel and security agents require, then build the structure and evidence backwards from there.
- SPV lender and security structures mapped upfront
- Cash-flow waterfalls, reserves and control accounts designed early
- Term sheets aligned to real risk appetite, not wishful thinking
Execution network
We coordinate the ecosystem required to get cross-border deals closed, not just “introduce” parties and walk away.
- Onshore/offshore legal counsel and security agents
- Escrow banks and account banks
- Rating agencies, valuers and technical consultants where needed
How we work
A blunt, structured process from intake to closing—designed to kill weak deals fast and give strong deals a credible path to funding.
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1
Intake & reality check
We interrogate the borrower’s story, numbers and constraints. If the ask is unrealistic for available capital, we say so and recalibrate before wasting cycles.
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2
Bankability X-ray
We map assets, cashflows, corporate structure and legal position into a lender-style risk view, identifying where the deal breaks under credit scrutiny.
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3
Structure & term sheet design
We engineer the proposed facility: SPVs, security, waterfalls, covenants, reserves and pricing bands, then lock this into an investor-grade term sheet.
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4
Lender curation & soft soundings
We target a short-list of relevant funds, credit arms and institutions, align expectations, and secure serious interest before pushing into full credit work.
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5
Credit, docs & closing
We coordinate diligence, credit memos, legal documentation, account opening, CP/CS satisfaction and funds-flow so money actually moves.
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6
Monitoring & next steps
We help set up monitoring, covenants and reporting so the deal performs as structured and can justify upsizes, extensions or follow-on capital.
Operating principles
Guardrails that keep everyone honest: sponsors, lenders—and us.
Structure before story
If it does not work as a structure—SPVs, security, waterfalls and covenants—it does not matter how compelling the narrative is.
Transparent economics
Fees, margins, reserves and waterfalls are explicit, model-linked and defensible to both sponsors and capital providers.
Model-anchored
Decisions are tied to a clean model, tapes/datasets and document trails—not slideware or promises.
Cross-border realism
We design around actual enforcement, FX, tax and regulatory constraints in ASEAN—not theoretical textbook structures.
Independent & conflict-aware
We are transparent about who we act for, how we are paid, and where we step back to avoid conflicts.
Compliance-first perimeter
We operate within the relevant Singapore and local regulatory frameworks and do not market to retail or quasi-retail investors.
Core services
End-to-end arranging around one goal: get viable deals funded on terms that survive credit, legal and monitoring.
Bankability diagnostics
Blunt assessments of whether and how a situation can clear institutional credit committees, with concrete fixes—not optimism.
Private credit arrangement
Structuring and arranging senior, unitranche, mezzanine and structured credit for asset-backed and cashflow-backed situations.
SPV & security architecture
Design of lender SPVs, borrower SPVs, security packages, account control and trustee/security-agent frameworks.
ABS & portfolio structures
Warehouses, securitisations and receivables structures where granularity and data quality justify institutional appetite.
Project & asset-backed finance
Structuring around real assets and contracted cashflows with realistic risk allocation, ratios and covenants.
Monitoring & covenant stewardship
Design and, where needed, operation of post-closing monitoring regimes so deals perform as structured, not just at signing.
Governance & independence
Clear mandates, documented decisions and a defined regulatory perimeter.
Engagement governance
- Written mandates with scope, fee structures and conflicts disclosures
- Decision logs for structure choices and key trade-offs
- Alignment on who is the client in each transaction
Regulatory perimeter
- Focus on corporate counterparties and institutional / accredited investors
- No retail marketing, deposit-taking or client-money handling
- Use of licensed partners where regulated activities are required
Confidentiality & data handling
Deal rooms are only useful if counterparties trust them. We treat information like a risk asset, not a marketing feed.
Information controls
Access is on a need-to-know basis; NDAs and wall-crossing protocols apply before any sensitive information moves.
Data lineage
Borrower data, models and documents are versioned and traceable so lenders can see exactly what they are relying on.
Separation
Segregation of mandates, counterparties and internal workstreams reduces leakage risk and conflict contamination.
Our confidentiality baseline (summary)
- Secure, role-based data rooms and communication channels
- No third-party sharing without express, written consent
- Pragmatic retention periods and secure destruction of records
Footprint & pipeline focus
ASEAN-centric, with Singapore as the structuring hub and capital gateway.
Borrower markets
Mid-market sponsors and operators primarily across Indonesia, Vietnam, Malaysia, Thailand, the Philippines and Singapore.
Capital relationships
Private credit funds, family offices, credit-oriented institutions and specialist lenders with appetite for ASEAN risk.
Sector focus
Real assets, transportation, industrial and manufacturing, logistics, recurring-revenue platforms and selective special situations.
FAQs
Are you a broker?
No. A broker typically just introduces parties. STIDE acts as an arranger: we design the structure, run the process and stay involved through credit, legal and closing. Our fees are tied to clear work and clearly defined outcomes.
Do you manage a fund or take deposits?
No. We do not pool investor money, manage a fund vehicle or take deposits. We arrange transactions between borrowers and institutional/professional capital providers, often via SPVs and structured facilities.
What ticket sizes and profiles do you focus on?
We are built for mid-market transactions. As a guide, that is typically USD 5–150m per deal, with identifiable assets or cashflows and sponsors who can put real equity at risk.
Who do you work with on the capital side?
Private credit funds, credit-oriented family offices, specialised lenders and, in specific cases, bank or quasi-bank balance sheets. All are institutional or professional investors—not retail.