The Credit Platform

Senior secured debt, backed by a pledge of private equity.

Anchor Advisory underwrites, structures, and manages equity-collateralized private credit for U.S. operating businesses in the $500K–$5M gap between institutional credit and retail lending.

How It Works

Deal by deal, through a dedicated vehicle.

No blind pool. For each approved loan we form a single-purpose vehicle. Partners opt in deal by deal and fund the SPV; the SPV makes the loan secured by an equity pledge; Anchor manages the credit end to end.

01
Capital partners → SPV
Family offices and private lenders fund the single-purpose lending vehicle for a specific deal they have chosen.
02
SPV → Borrower
The vehicle advances a senior loan to the operating business, secured by a pledge of private-company equity.
03
Anchor → The Deal
As manager, Anchor underwrites, structures, services, and monitors the credit throughout its life.
04
Returns flow back
Principal, interest, and equity upside flow to the SPV. Capital partners receive principal plus a preferred return first; Anchor's economics come last.

Where We Play

Target deal profile.

Our edge concentrates where the team has operated. The profile below is illustrative and is refined with each partner's mandate.

Attribute	Detail
Deal size	$500K – $5M — below institutional credit, above retail.
Sectors	Construction, CRE, and B2B services — where our operating and development experience runs deepest.
Collateral	UCC Article 9 pledge of private-company equity, plus structural protections.
Use of capital	Growth, bridge, and special-situation needs that don't fit a bank's standardized box.
Geography	United States — nationwide sourcing through the team's operating network.
Structure	Senior secured, current-pay debt with an equity kicker or success participation.

Alignment

We get paid to be right — not to close.

A fixed share of every fee is held back as a reserve, available to absorb losses or fund a cure, and forfeited on a credit event. Our fees literally sit behind your capital.

Fee component	Treatment	Status
Underwriting / diligence fee	Flat fee for deep-dive work; earned even if the deal does not close.	Earned
Origination fee (current)	A portion paid at close to cover the work of getting the deal done.	Current
Servicing fee (base)	Modest current draw for active monitoring over the life of the loan.	Current
Escrowed origination	Held in escrow; released only after first paydown or clean seasoning.	At risk
Servicing (at-risk portion)	Suspends on a credit event; resumes on cure.	At risk
Carry on equity upside	Paid only after principal plus preferred return are returned to you.	At risk

Downside First

What happens when a deal goes sideways.

The question that matters most to a credit investor. Our answer is a defined sequence built on objective triggers — not judgment calls after the fact.

Triggers

◆Payment default beyond a stated cure period.
◆Covenant breach where DSCR or leverage crosses a defined threshold.
◆Collateral re-valuation below an agreed floor.
◆Material impairment event, operationally or financially defined.

The Defense

01
Monitor
Continuous KPI and covenant tracking — we see deterioration early, not at default.
02
Control
UCC Article 9 equity pledge, information rights, board observer / step-in rights negotiated at close.
03
Restructure
Re-cut terms, inject covenants, or add collateral while the business is still salvageable.
04
Step in & enforce
Exercise on the equity pledge and operate or transition the business — the capability banks lack.

The Path

Prove it deal by deal, then scale.

We're not asking for a blind pool on day one. We earn the track record one SPV at a time, then graduate the model into a fund once the underwriting is proven in the open.

Let's underwrite the first deal

Phase 1

Proof-of-concept deals

Co-underwrite live SPV transactions with founding partners. Full transparency, deal by deal.

Phase 2

Track record & repeatability

A seasoned book of closed and performing loans demonstrates the underwriting system in practice.

Phase 3

Programmatic capital

Graduate to committed or fund-style capital for partners who want to scale behind a proven engine.