DIRECT LENDING

We have the flexibility to make bridge loans to lower market companies and other borrower types when banks and other firms cannot. Our loans are funded entirely using in-house capital and we do not seek to broker. In most cases, we can close in as fast as 10 to 14 days.

TARGET PROFILE

Companies headquartered within the United States
$100k to $10 million EBITDA
Experienced management teams with a history of building enterprise value
Identifiable capital mandates and inflection points
Effective financial controls and information systems

INVESTMENT TYPES

Growth Capital
Acquisition financing
Management buyouts
Recapitalization or refinance of existing debt including merchant cash advance and future revenue loans
Non-sponsored transactions
Loans to “fund-less” sponsors deploying equity or debt investments

STRUCTURE

$500k to $15 million of customized growth capital per transaction with the ability to syndicate larger financing
Senior lien or unitranche loans
Up to 6 months of interest only

ABOUT SPRUCE

Spruce Financial Group is a Southeast-based private equity firm focused on direct lending, co-sponsored real estate finance, and customized growth capital to lower and middle-market businesses.

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