Lender Finance - Capital Liaison

Lender Finance Overview

We facilitate structured capital solutions for non-bank lenders seeking to scale originations, enhance liquidity, or refinance portfolios. Through our institutional relationships and disciplined underwriting framework, we connect capital with performance-proven lending platforms. Our tailored strategies and institutional network fuel growth, optimize balance sheets, and expand lending capacity. With capabilities extending up to $5 billion, we deliver flexible, institutional-grade solutions designed to support sustained lending growth—executed with precision, confidentiality, and speed.

Markets We Serve

We partner with specialty finance companies across North America, facilitating capital strategies that enable growth, refinancing, and portfolio expansion.

Our platform supports:

Asset-based lenders, factors, and purchase order finance companies
Equipment lessors, trade and bridge lenders
Consumer finance and non-bank real estate lenders
Financial technology and other specialty finance firms

Each engagement is structured to strengthen liquidity, scale originations, and enhance market reach. Our experience spans every stage of the lending lifecycle—from origination and aggregation to securitization and recapitalization—positioning us as a long-term capital partner, not just a funding source.

Capital Solutions

We deliver adaptive, scalable capital structures designed to align with each lender’s unique funding model and portfolio performance objectives. Each solution is engineered to enhance leverage, liquidity, and long-term portfolio performance.

Warehouse & Credit Facilities — Institutional lines structured to fund recurring originations, support forward flow, or serve as interim facilities ahead of securitization or refinancing.

Portfolio Refinance & Liquidity Events — Custom facilities that release capital from existing portfolios, providing liquidity for new originations, redemptions, or acquisitions.

Structured Capital & Leverage Solutions — Senior, mezzanine, or hybrid structures designed to strengthen credit capacity, reduce cost of funds, and expand deployable capital.

Strategic Advisory & Capital Formation — End-to-end advisory for lenders seeking to institutionalize capital relationships, align capital stack efficiency, and optimize investor engagement.

Execution Efficiency — Our process emphasizes speed, precision, and certainty—delivering timely responses, coordinated documentation, and a direct path to closing for qualified participants.

Qualification Criteria

To qualify, applicants typically:

Maintain a minimum $10M active portfolio or equivalent origination volume
Demonstrate verifiable loan performance data
Operate under established underwriting and servicing procedures
Are incorporated and compliant within applicable jurisdictions

Data Room Requirements

To facilitate underwriting and due diligence, applicants should maintain a data room containing:

Corporate & Financial Documentation

Investor or company presentation / pitch deck
Historical financial statements (minimum two years)
Forward-looking financial projections (next three years)
Current capitalization table (if applicable)

Portfolio & Loan Data

Loan tape or portfolio schedule (active and historical)
Portfolio economics, including: average loan size, weighted average coupon or yield, average term or duration, and delinquency or charge-off history (if applicable)

Additional Information

Overview of underwriting, servicing, and risk management policies
Organizational chart or ownership summary

Application Process

Our review process is straightforward and confidential. Each submission is evaluated by our underwriting team to ensure alignment with available facilities.

Step 1: Complete the form below

Step 2: Upload key financials or investor materials (optional)

Step 3: Schedule a strategic review with our finance team

Apply Now → (Secure. Confidential. Fast-track review available for qualified applicants.)

Contact & Inquiries

Disclaimer:

Valerie Emanuel Associates is not a broker-dealer or investment advisor. All engagements are subject to review and qualification. Confidentiality assured.