Mid-Market Borrowers & Corporate Sponsors
Mid-Market Borrowers & Corporate Sponsors.
For operators seeking USD 5–150m in structured capital, not another overdraft.
Operating companies with facility needs of roughly USD 5–150 million, backed by real assets (plant, property, equipment, aircraft, vessels) or contracted cashflows (concessions, offtakes, long-term service contracts). You are typically seeking cross-border or structured private credit rather than a simple local working-capital line.
You care less about the “cheapest headline rate” and more about certainty of execution, sensible covenants, and a structure that works in your real operating environment.
Is this you?
If the profile below does not sound like you, we are probably not the right arranging partner.
Real operators, not slideware
You run an operating business with history—not a deck.
- Minimum 3–5 years of operating track record
- Audited or audit-ready financial statements
- Existing assets, contracts and teams on the ground
Facility size & shape
Your ask is large enough to justify serious institutional work.
- Typical facility size: USD 5–150m
- Use of proceeds: capex, expansion, acquisition, refinancing, structured working capital
- Willing to consider SPVs, security packages and covenants
Why you are here
You have outgrown simple domestic bank products.
- Seeking cross-border or structured private credit
- Local banks are constrained by limits, regulations or risk appetite
- You need a bankable structure that can speak to institutional capital
How STIDE helps you get funded
We are blunt on what is possible, then obsessed with driving the right deals to execution.
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1
Pre-screen & reality check
We look at your numbers, structure and constraints. If your ask will not clear institutional credit committees, you will hear that upfront—with options, not platitudes.
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2
Bankability X-ray
We map your assets, contracts, corporate structure and cashflows into a lender-style risk view, identifying where the deal breaks and what must change.
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3
Structure & term sheet design
We engineer the proposed facility: SPVs, security, waterfalls, reserves, covenants, pricing bands and key terms—then lock this into a lender-fluent term sheet.
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4
Lender curation & soundings
We curate a short-list of funds and credit providers whose mandate fits your situation, align expectations and get serious interest—not generic “we are looking” feedback.
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5
Credit, legal & closing
We coordinate diligence, credit memos, documentation, account opening and CP/CS satisfaction so the structure survives law firm mark-up and money actually moves.
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6
Monitoring & future capital
We help design the post-closing monitoring and covenant regime so the deal performs as structured and can justify upsizes, extensions or follow-on tranches.
What we need from you
If you want serious capital, you must show up like a serious sponsor.
Clean baseline numbers
We do not build structures on sand.
- Full financials (historical and projections) with assumptions
- Up-to-date management accounts and cashflow views
- Visibility on existing debt and obligations
Real equity & skin in the game
Debt cannot fix an absence of equity.
- Meaningful sponsor equity at risk
- Willingness to support with guarantees or credit support where required
- Acceptance that leverage has limits
Decision-makers at the table
Deals die when key people are absent.
- Board / owner alignment on mandate and terms
- Designated internal lead with authority to move
- Ability to clear internal approvals on realistic timelines
Time & responsiveness
Slow responses kill momentum with lenders.
- Agreement to tight document and Q&A turnaround
- Willingness to prioritise lender information requests
- Fast decisions on trade-offs and structure tweaks
Governance & compliance
Basic housekeeping must be in order.
- Corporate filings and licences up to date
- Shareholding structure and ultimate owners clearly documented
- Prepared to undergo full KYC / AML checks
Realistic expectations
If you want “no covenants, low margin, high leverage”, call a fantasy lender.
- Openness to structured solutions, not just plain vanilla
- Acceptance that pricing and covenants follow risk
- Understanding that not every deal is fundable—yet
Typical use-cases & structures
Where mid-market borrowers and sponsors get the most value from engaging STIDE.
Asset-backed term facilities
Loans anchored on hard assets or contracted cashflows, with clear security packages and amortisation profiles.
Expansion & capex programmes
Structured facilities to fund plant upgrades, fleet additions or capacity expansion, staged against milestones and covenants.
Refinancing & recapitalisations
Reshaping existing balance sheets where the underlying business is sound but the current capital stack is not.
Acquisition & M&A financing
Facilities to support bolt-on acquisitions or roll-up strategies where synergies and cashflow support are credible.
Portfolio & warehouse lines
Private credit and ABS-style structures where you originate granular receivables or contracts and need scalable leverage.
Hybrid & structured solutions
Combinations of term, revolver, mezzanine or preferred instruments designed to work with your actual cashflow profile.
Engagement model & fees
We behave like an arranging partner, not a casual introducer. Our fees mirror that.
Mandate & economics
- Written mandate with clear scope, roles and timeline
- Combination of work-fee retainer and success-based arranging fees
- Exclusivity for the agreed facility scope and tenor of mandate
Timelines & ownership
- Typical full process (intake to closing): 12–24 weeks, depending on complexity
- STIDE owns structure design, lender curation and process management
- You own data quality, responsiveness and internal approvals
Information pack we will ask for
If you cannot or will not provide most of this, institutional capital will not move—regardless of arranger.
Business & financials
We need a clear picture of the economics.
- 3–5 years audited financials and latest management accounts
- Projections with key assumptions and downside cases
- Customer, supplier and contract concentration details
Legal & security
Structures only work if the legal base is clean.
- Corporate structure charts and shareholder registers
- Key contracts, licences and permits
- Existing loan agreements, security and guarantees
Operations & risk
Lenders will test operational reality, not just numbers.
- Key asset registers (plant, fleet, equipment, properties)
- Operational KPIs and utilisation metrics
- Risk, ESG and compliance issues (if any) and how you manage them
Stage-gated information flow (summary)
- Stage 1 – Screening: High-level fact pack and management discussion
- Stage 2 – Indicative terms: Detailed financials, contracts and asset information
- Stage 3 – Credit & docs: Full data room including legal, technical and ESG where relevant
Where we can help most
We focus where we understand the risk, the regulations and the counterparties.
Borrower geographies
ASEAN-centric with Singapore as the structuring hub.
- Indonesia, Vietnam, Malaysia, Thailand, Philippines, Singapore
- Selective mandates in neighbouring markets on a case-by-case basis
- Cross-border flows via Singapore SPVs and structured facilities
Sector bias
We prioritise sectors where real assets and contracted cashflows are central.
- Industrial, manufacturing and logistics
- Transportation, aviation, maritime and related infrastructure
- Real assets, energy transition and recurring-revenue platforms
Where we are usually not a fit
Better to be direct than waste time.
- Sub-USD 5m facilities with no path to scale
- Early-stage ventures with limited operating history or assets
- Situations driven purely by distress with no credible turnaround
FAQs
What is the minimum and maximum facility size you work on?
As a guide, STIDE is optimised for facilities from about USD 5m up to roughly USD 150m. Below that, institutional work is often uneconomic; above that, you are likely already in bank / club-deal territory and may need a different configuration.
Do you guarantee that I will get funded?
No. Nobody credible can guarantee that. What we can do is tell you quickly whether your ask is realistic, what must change to make it fundable, and—if we accept the mandate—drive a bankable structure and process that gives you a serious shot with institutional capital.
How much will this cost?
Fees depend on complexity and size, but typically include a work-fee retainer and a success-based arranging fee payable out of proceeds at closing. We are explicit about economics before you sign anything, and there are no hidden “consulting” charges.
Will I need to provide personal guarantees?
Sometimes. It depends on the structure, security, leverage and sponsor profile. Where guarantees are expected, we will be upfront about that early in the process so you can decide if the trade-off is acceptable.
Can you help if we are already in covenant breach or distress?
Potentially, but only if there is a credible business underneath the stress. In those cases we will start with a hard assessment of whether a restructuring or rescue facility is realistic, or whether other options are more honest.