Capital Relationships
Direct Credit Opportunities
Backed by math, logic, and risk management
We deliver pre-underwriting credit opportunities with risk-adjusted structures and organized documentation to capital relationships.
Capital Relationships
Eieyani Capital Associates works to develop its credit network and relationships through risk-adjusted, pre-underwriting preparations for our deals. We act as the intermediary, translator, and filter of credit opportunities. This allows our capital relationships to obtain credit opportunities without bearing the costs of deal sourcing, initial risk structuring, and documentation preparation for underwriting. We do it so our credit network can make their decisions decisively while remaining in control over the underwriting process.
Benefits to Credit Investors
Working with Eieyani Capital Associates aligns with credit investors seeking pre-structured, risk-adjusted deal flow built on operational sustainability:
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We structure debt using strict DSCR models and leverage-to-revenue caps to ensure long-term debt service sustainability.
By stress-testing balance sheets against rate shifts prior to submission, we protect investor yield and eliminate over-leveraged credit risk.
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Operational risk occurs after capital deployment. We construct capital allocation sequences for borrowers, aligning funding intention with execution goals.
This provides investors complete clarity on how capital is deployed, significantly reducing post-funding operational uncertainty.
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We reverse the traditional brokerage sequence by packaging fully modeled, diagnostic deal files upfront.
Investors receive immediate operational and mathematical clarity to make rapid binary decisions, receiving underwriting documentation only when deal alignment is established.
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Our deal flow originates from proprietary business relationships developed through operational advisory, macro risk modeling, and strategic execution.
Borrowers view ECA as a strategic partner rather than a capital vendor, granting our credit network exclusive, non-auction deal access.
What to expect
For credit investors that work with us, our engagement follows a transparent process defined by three clear milestones:
Risk-Adjusted Deal Overview
A high-level overview presented as an introductory, interest-gauging communication. It contains all core information about the deal. It’s short, precise, and accurate to our findings. Most importantly, it condenses your decision to pursue or pass down to a matter of seconds.
Executive Deal Brief
Upon initial interest, we deliver an anonymized, scannable Deal Brief detailing financial fundamentals, DSCR stress testing, post-funding deployment logic, and available documentation. This provides actionable mathematical clarity to confirm mandate alignment within minutes rather than days.
Documentation for Review
When mandate intent is aligned, we release verified borrower documentation alongside our structured allocation models. This phase validates our initial brief with full documentary evidence, providing your underwriting desk with everything required to execute formal review.
Our Deal Discipline
These frameworks represent our disciplined approach, where mathematical and logical structures align:
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We eliminate over-leveraging risk through strict structural caps.
In our borrower simulations, debt maximums are capped at 20% of revenue for unsecured facilities and 35% for secured facilities, depending on collateral. This protects both borrower and lender long-term.
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We model borrower cash flows to verify debt interaction, requiring a minimum 1.30x DSCR.
We then stress-test the facility against rate and term shifts. Only structures that remain resilient under these simulated conditions are approved as sustainable.
Mathematical Structure
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Once mathematical parameters hold, we build a custom capital deployment strategy tailored to operational realities.
By blending risk management, operational liquidity, and demand capture, the resulting framework aligns directly with the business’s specific growth goals and repayment capacity.
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Clear financial modeling shows borrowers exactly how debt impacts their balance sheet and where funds go.
This operational clarity builds trust, incentivizes prudent capital deployment, and aligns document collection and closing timelines directly with lender mandates.
Logical Structure
The Credit Opportunity Difference
Evaluate different deal sources to align with your operational interests:
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Summary: Independent brokers originating fast-paced, high-yield business credit opportunities, often using short-term factor rates with higher risk. Packaging covers basic financials and capital use, leaving deep risk analysis entirely to the lender.
Requirements: Lenders bear the full workload of manually or algorithmically vetting documents and enforcing underwriting standards to manage risk.
Benefits: Provides raw deal flow within your criteria that can yield good opportunities if you have an efficient internal screening process.
Risk: Deal quality varies significantly and borrower intent is often vague. Reviewing unrefined files consumes time and resources, creating a numbers game that risks tech overreliance over sound underwriting.
Yield: Higher short-term returns (6 to 24 months), often carrying elevated default risk offset by daily or weekly debits.
Capital Relationships: MCA funders, micro-private credit funds, and private investors with bank lines.
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Summary: An intermediary network providing private investors direct access to $100K to $10M credit opportunities. Combines institutional-grade risk structuring and clear post-funding logic with the speed of direct allocation, avoiding management fees and unrefined broker paper.
Requirements: Lenders maintain full underwriting authority and allocation oversight, using internal team members or software to review ECA’s pre-packaged deal flow.
Benefits: Pre-structured, risk-adjusted deals with organized documentation ready for rapid evaluation. Investors gain institutional discipline and direct private credit yield without paying management fees or spending days vetting intent.
Risk: Lenders must maintain internal underwriting diligence and avoid overreliance on pre-packaged data, as deal execution and capital risk remain with the investor.
Yield: Full direct yield with zero management fees. Broker fees are paid separately by the borrower through the transaction.
Capital Relationships: Virtual family offices, micro-private credit funds, credit unions, and private lenders seeking $100K to $10M allocations.
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Summary: Established asset managers pooling LP capital into funds to allocate larger private credit deals under a 2/20 fee structure. They handle sourcing and underwriting, trading direct deal control for institutional fund management.
Requirements: Significant minimum deployment commitments and deep due diligence on the firm’s investment framework, as decision-making is fully outsourced to fund managers.
Benefits: Turnkey deal sourcing, underwriting labor, and portfolio management. Ideal for allocators seeking exposure to larger private credit markets without internal operational overhead.
Risk: Total loss of deal-level control and reduced yield compared to direct allocation. Fund-level fees and potential financial engineering can lower net returns below expectations.
Yield: Stable gross returns, but the typical 2% management fee and 20% performance fee haircut net IRR and Distributed to Paid-In capital (DPI).
Capital Relationships: Large single-family offices, pension funds, and asset managers executing fund-of-funds strategies.
Our Deal Flow Capabilities
Eieyani Capital Associates connects direct credit investors and private funds with pre-structured, risk-adjusted yield opportunities ranging from $100K to $10M.
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Structure: Senior Secured & Unsecured Term Facilities
Facility Size: $100K – $10M
Full Timeline: 14 – 30 Days (Avg. ~ 21 Days)
Yield & Profile: Risk-adjusted yields aligned with C&I credit risk, DSCR stress-tested against interest rate shifts.
Collateral & Security: Blanket liens, corporate guarantees, and cash-flow covenant structures designed for debt service sustainability.
To review active term loan inventory or discuss mandate alignment, request a conversation with us.
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Structure: First Lien Revolving Credit Facilities
Facility Size: $1M – $10M
Full Timeline: 45 – 90 Days (Avg. ~ 60 Days)
Yield & Profile: Stable, asset-backed yield backed by borrowing base monitoring and structured liquidity reserves.
Collateral & Security: Senior position on accounts receivable, inventory, and equipment with conservative loan-to-value (LTV) limits.
To review active ABL opportunities or discuss mandate alignment, request a conversation with us.
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Facility Size: $100K – $10M
Full Timeline: 3 – 14 Days (Avg. ~ 5 Days)
Yield & Profile: Short-duration, self-liquidating trade debt offering stable interest margins and fast capital turnover.
Collateral & Security: Direct assignment of creditworthy buyer invoices, supplier PO verification, or underlying equipment value.
To review active specialty finance inventory or discuss mandate alignment, request a conversation with us.
Frequently asked questions (FAQs)
Here are answers to common questions regarding our approach, evaluation process, and deal sourcing execution:
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We act as an intermediary between operating businesses and capital providers.
We work with companies to strengthen operational positioning while offering lenders risk-adjusted credit opportunities for direct deployment. We bridge both sides by aligning borrower organizational goals with investor yield expectations.
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Originating in private credit, ECA trains associates to translate complex business operations into viable credit opportunities.
By evaluating operational realities alongside macro conditions, we structure clean credit packages with clear risk management, capital allocation logic, and organized review documentation.
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Consistency stems from our operational dialogue with business owners combined with rigid, simulated debt modeling.
We stress-test cash flows and post-funding logic for long-term sustainability. Once validated, we deliver the structured data and documentation lenders need to perform efficient underwriting.
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Intermediary fees are paid directly by the borrower through loan closing proceeds or structured as part of the total facility origination cost.
Credit investors and capital allocators pay zero management fees, performance carry, or platform access fees to review ECA deal flow.
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There is no penalty or obligation. If a file does not align with your internal risk appetite or current portfolio concentration, a simple pass decision allows us to re-route the brief to another partner immediately.
Lenders maintain their own internal underwriting standards.
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Yes. Every credit facility is structured for direct, single-lender execution between the business and the capital provider.
We do not run fractional syndications, co-funding pools, or complex investment banking fee stacks. The deal is funded directly on your balance sheet terms.
Request a Callback
For general inquiries or capital relationship discussions. Send us a message below or email us directly at info@eieyanicapitalassociates.com