Underwritten files, priced before you know whose they are
We are a placement agent, not a lender and not a competitor. Files arrive with the arithmetic done, the documents collected and the borrower’s approval already given. You give a preliminary indication on the metrics; the identity follows.
Files that are already underwritten
Coverage, global cash flow, collateral, tenure and eligibility, computed and shown as arithmetic rather than asserted. If it fails your floor you will see that on the first page, not in week three.
Documents collected before you see it
Two years of business returns, YTD financials, a current debt schedule and an A/R aging where receivables matter. You are not chasing a borrower for a balance sheet.
Redacted until you engage
You price the credit metrics under a codename. Nothing about the borrower's identity reaches you until they approve you by name — which also means no wasted pull on their file, and no wasted read on yours.
Matched, not blasted
Files reach you because they fit your box, your check size, your sector and your geography. A lender that never writes restaurant paper is never sent restaurant paper.
Tell us your box
What you write, what you will not, your check size, your geography and the name of the person who should receive files. We will send you what fits and nothing that does not.
lenders@transparentcap.comQuestions
What does it cost a lender?
Nothing to join and nothing to look. Where a lender pays a referral fee we disclose the amount to the borrower in writing on the same page as their terms, and on SBA transactions compensation follows SOP 50 10 8 and comes from the lender rather than the applicant.
What size and shape of file will I see?
Businesses with $1M – $50M in revenue, across 9 structures — senior and junior term debt, asset-based lines, equipment, receivables, contract financing, floor plan, bridge and SBA — in 26 industries we publish guides for.
Do I have to bid blind?
You give a preliminary indication on the credit metrics. That is the point of the process, and it is what makes borrowers willing to run one: the number comes before the relationship, so nobody is anchored. Full diligence happens normally once you are engaged.
How do you decide who sees a file?
Credit box, check size, sector and geography — and the borrower approves the list by name before anything goes out. We will tell you why you were included, and if you tell us your box has changed we will stop sending files that no longer fit.
Borrower instead? Send us your file.