Institutional funding for US specialty lenders.

Arrabon originates, structures and monitors senior secured funding for US specialty lenders, and prepares each opportunity for private-credit investors.

For capital partners

I deploy capital

Specialty-credit funds, family offices and insurers assessing US specialty-finance assets.

See how we work with investors

For lenders

I need funding

US non-bank lenders and venture-backed fintechs preparing for institutional funding.

See lender finance

Senior securedSenior secured facilities

One credit standardInstitutional credit discipline

After close, tooMonitoring for the life of the facility

Two sides of the same transaction, rarely in the same room.

Specialty lenders need institutional funding. Credit investors want specialty-finance exposure they can underwrite. The work in between is translation, and that is what Arrabon does.

The lender

Seeks a funding partner to support continued growth.

Building on existing funding relationships, institutional capital can help diversify funding sources and support the next stage of growth. We work alongside lenders to prepare for diligence and structure funding around their portfolio.

Arrabon

Translates the opportunity into a structure.

We analyze the loan-level data, set the borrowing base and eligibility criteria, and document what the investor expects to see.

The investor

Needs an asset it can underwrite.

Familiar mechanics, clean data, enforceable security and someone watching the collateral after close.

From first conversation to the life of the facility.

Source
We meet lenders directly and through advisers and banks, and pre-screen against investor criteria.
Analyze
We take in the loan-level tape, build vintage loss curves and analyze the collateral before anything is sized.
Structure
We set the borrowing base, eligibility criteria, advance rates, reserves and covenants.
Place
We match the opportunity to investors whose criteria it fits and run execution to close.
Monitor
Monthly borrowing-base and covenant reporting, with early warning when performance moves.

Markets.

United States

Venture-backed fintech lenders raising a first asset-backed facility. Established specialty lenders adding or replacing a warehouse, forward flow or securitization. Asset-rich companies borrowing against receivables, inventory and equipment.

Europe

The Netherlands and Belgium, with Germany as the next market.

Lender finance.

For non-bank lenders, from venture-backed fintechs raising their first facility to established platforms funding at scale. We arrange senior secured funding against the loan book.

Venture-backed fintechs

First facility

For venture-backed fintech lenders whose book is too young for a bank warehouse. A senior secured facility placed with specialty credit funds, so venture equity stops funding loans. Built with a defined path to a bank warehouse.

Scaling lenders

Warehouse facility

A revolving senior secured line against the eligible loan book. Borrowing base, advance rates, concentration limits and monthly reporting.

Receivables finance

For factoring companies and receivables-heavy lenders. Debtor eligibility, dilution reserves and collection accounts, tested monthly.

Forward flow

A committed buyer for new originations against agreed criteria and pricing. The originator keeps servicing, with a back-up servicer in place.

Established lenders

Portfolio purchases

One-off sales of existing loan portfolios, priced from loan-level data and vintage loss curves.

Private securitization

Term funding through a bankruptcy-remote vehicle, with senior and junior notes, credit enhancement and monthly investor reporting.

Advisory

Funding readiness

A review of data, credit policies and structure before approaching institutional funders. Fixed fee, credited against our arrangement fee.

Facility design

Borrowing base, eligibility, covenants and reporting, set out before a facility goes to market.

Structuring

SPV, true-sale and tranching analysis for lenders moving toward securitization.

Each stage is structured to lead to the next.

Book a funding readiness review

US specialty-finance opportunities, prepared for institutional underwriting.

We source and prepare lender-finance opportunities for specialty-credit investors. You make the credit decision. We do the groundwork before it and the monitoring after it.

Pre-screened against your criteria
Asset type, ticket size, seniority and jurisdiction are checked before an opportunity reaches your team.
Data you can underwrite
Loan-level tapes, static pools and vintage loss curves, prepared in-house.
Mechanics you already use
Borrowing bases, eligibility criteria, advance rates and concentration limits.
Monitoring after close
Monthly borrowing-base checks, covenant tracking and early warning if collateral performance moves.

Why this segment

Venture-backed fintech lenders with institutional equity sponsors, and smaller specialty lenders, seeking a first or second institutional facility.

How we work with investors

We start non-exclusively: a first look at opportunities that match your criteria, full diligence materials and ongoing reporting. As a relationship develops, Arrabon may invest alongside its partners.

Request an introductory call

Financing for companies.

For operating companies, we arrange senior secured facilities underwritten on cash flow or on collateral.

Cash-flow based

Direct lending

Senior secured term loans underwritten on cash flow and enterprise value, with leverage and coverage covenants.

Asset-based

ABL revolvers

Revolving facilities against receivables and inventory, with field examinations, inventory appraisals and cash dominion.

Receivables-only facilities

For companies whose main asset is what customers owe them. Debtor eligibility, concentration limits and dilution reserves tested monthly.

Equipment finance

For equipment-heavy companies, including venture-backed hardware businesses. Advance rates set against independently appraised value.

Typical facilities are senior secured.

One firm, one standard.

Arrabon is based in Seattle, close to the lenders we finance and the investors we structure for.

Mailson Ribeiro

Managing Partner

Mailson has worked across European capital markets, North American investment banking & asset-based lending, and private capital strategy. He works in English, Dutch, French, Spanish, and Portuguese.

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National Bank of Canada Capital Markets, Toronto: structured finance and ABL across a $450MM+ portfolio of seven facilities.
ABN AMRO Global Markets, Amsterdam: debt capital markets syndicate on €5B+ of EMEA benchmark issuance, and structured products across securitization, significant risk transfer and secured debt.
SFI Markets, Amsterdam: co-lead arranger on ACCIONA's €300MM GCC syndicated green loan.
McKinsey & Company, Brussels
MSc Financial Economics, Maastricht University, BSc Electrical & Electronics Engineering, Universiteit Gent

Start a conversation.

Tell us which side of the transaction you are on and what you need. We reply within two business days.