For lenders funding a loan book
The in‑house debt-capital-markets desk you have not hired yet. Zenith sources, structures, places, and reports your facilities on a standing basis, so your book never outgrows your capital.
The problem
A lending business lives or dies on its cost and continuity of capital. Yet most scaling lenders raise each facility from a standing start: the founder runs the process, the packaging is rebuilt under pressure, and the institutions that actually fund books are hard to reach cold. When the facility runs out, origination stops.
Typical founder-led facility raise, from first outreach to close.
Private credit and asset-backed capital actively seeking lending books it can underwrite.
Time to be institutionally packaged and in market with a standing desk.
The mechanism
We package you once to institutional standard, then keep you permanently in market. Each facility closes faster, cheaper, and larger than the last, because the work compounds instead of restarting.
Data room, credit memo, borrowing-base and covenant models built to the standard funds and DFIs require.
Introductions into our standing network of credit funds, family offices, and development-finance institutions.
Monthly borrowing-base, covenant, and portfolio reporting, produced and filed by our desk on cadence.
The next tranche starts from a standing position. Upsizes and new facilities on your growth calendar, not a restart.
What the desk runs
Credit memo, lender-grade financial model, borrowing-base build, data room. Rebuilt once, maintained continuously.
Direct access to institutional lenders that fund books: warehouse lines, forward flow, and structured facilities.
Term-sheet strategy, pricing, covenants, and closing support. We negotiate alongside you on every facility.
Monthly reporting produced by our desk. Covenant-headroom monitoring that flags a breach before it reprices your line.
How an engagement runs
Credit memo, model, borrowing base, data room to institutional standard.
Curated lender introductions begin. Process run by Zenith, decisions stay with you.
Structuring, negotiation, diligence management, closing.
Reporting, covenant management, and the next facility, on a calendar we can both see.
Engagement structure
| Component | Structure |
|---|---|
| Desk retainerThe standing team: packaging, reporting, lender management, covenant monitoring. | $10,000 / month |
| Placement feeCharged only on debt capital that closes. | 2% of facilities closed |
| We earn when you close. |
Zenith operates the standing debt desk for a global consumer-lending platform active across five emerging markets, from packaging through placement and monthly lender reporting.
Current mandate · reference available on requestNext step
Bring your current facility terms and growth plan. We will tell you what institutional capital would require, what it would likely cost, and whether a desk mandate makes sense. If it does not, you will know why.