Financing built around how it will be repaid.
Four ways we put private capital to work for clients whose needs fall outside the standard bank process.
Insurance-based financing
For incorporated professionals and business owners who need permanent life insurance for estate, succession or buy-sell planning. A Thornquay facility funds the premiums, secured by the policy's cash value and, where needed, other collateral. You keep working capital in your business.
Suitability depends on your circumstances. We always recommend independent tax, legal and insurance advice.
Refinancing existing structures
Already have a leveraged insurance arrangement? We review the current lender's terms and, where it makes sense, refinance on clearer or more suitable terms.
Private lending
Bridge and term facilities for professionals, owners and holding companies, secured against real assets and documented in plain language.
Strategic equity and debt
Capital for unique private opportunities, from a single transaction to a longer partnership, where we can add structure as well as funds.