General Credit Solutions
Capital That Adapts to the Opportunity
Standard bank lines are rigid; your opportunities are not. Origin provides flexible credit facilities designed to strengthen liquidity, support M&A, and bridge the gap between strategic milestones.
THE ORIGIN ADVANTAGE
BEYOND THE BALANCE SHEET
Covenant The
Flexibility
We lend based on the reality of your business plan. We structure financial covenants that allow breathing room for growth, turnarounds, or seasonal fluctuations.
Speed And
Certainty
Time kills deals. Whether it’s an acquisition closing or a debt maturity, we move with the speed of a private fund—issuing term sheets in days and funding in weeks to ensure you win the bid.
Enterprise Value Approach
We don’t just look at hard assets. We structure facilities based on your recurring revenue, EBITDA, and total enterprise value, allowing service and tech-enabled businesses to access capital that traditional asset-based lenders miss.
FLEXIBLE STRUCTURES
Structuring & Technical
Considerations
Is this secured or unsecured?
Origin’s general credit facilities are typically secured. Depending on the credit profile, we may take a senior lien on all business assets (UCC-1 filing) or lend against specific cash flows. For high-grade clients, unsecured structures are available on a case-by-case basis.
What are the typical terms and tenors?
Flexibility is key. We typically structure Term Loans ranging from 12 to 36 months, and Revolving facilities that renew annually. Amortization schedules can be customized (e.g., interest-only periods) to match your cash flow cycle.
Do you require personal guarantees (PGs)?
We view this as a partnership. While we focus primarily on the strength of the corporate entity and enterprise value, we evaluate the need for personal guarantees on a case-by-case basis, often limiting them to “bad boy” acts (fraud/misrepresentation) for stronger credits.
Can this work alongside my existing bank?
Yes. We frequently structure “subordinated” or “mezzanine” debt that sits behind a traditional low-cost bank line. This provides you with additional liquidity (the “stretch piece”) without disturbing your primary banking relationship.
What industries are eligible?
We are industry-agnostic but asset-aware. We work with Manufacturing, Distribution, Logistics, Staffing, Tech-Enabled Services, and Government Contracting. We look for stable or growing EBITDA and identifiable repayment sources.
Every deal is unique Your
capital should be too
Discuss your structure with the Principals