A lending business that had closed its first institutional facility and discovered what closing one actually commits you to: a borrowing base recalculated monthly, covenant certificates delivered on a schedule, and portfolio reporting a credit committee will read.
Most lenders at this stage have a finance function built for statutory reporting, not facility reporting. The two are not the same discipline, and the gap only becomes visible after the first missed certificate — by which point it's a lender conversation rather than an internal one.
Borrowing-base calculation and certificate production against eligibility criteria and advance rates.
Covenant compliance tested internally before it's tested externally, with breaches modelled forward rather than reported backward.
Monthly lender reporting delivered on the facility's schedule.
Portfolio analytics — cohort performance, roll rates, loss curves — in a form the credit committee already recognises.
Clean reporting history is the cheapest pricing leverage a lender-borrower will ever have. Every month of it is diligence for the next tranche, done in advance.
Last reviewed August 2026
USD 100,000,000
A two-tranche club facility for a multi-market emerging-markets lender
USD senior tranche at the Singapore holdco · local-currency and ECB tranche at the India NBFC subsidiary
Facilities for platforms lending against trade documents, not balance sheets
Debt placement mandates for trade finance and commodity receivables platforms — facility structuring and lender engagement
Tell us the transaction and the timetable. If it is not something we should run, we will say so.