With over 60 years of combined underwriting and debt origination experience at various commercial banking and alternative finance institutions, Trinity has distinct advantages over the competition as we have the ability to fully underwrite a transaction to bank and alternative banking standards for a one-time underwriting fee before placing it with one of the many traditional banks or alternative finance companies that Trinity works with. Bottom line is that, not only do we make the fund-raising process a seamless a possible for the client, but also, have a much better chance of "getting your deal done" than most of the competition.
Pre Screening
Once Trinity is engaged by a client, they will conduct a detailed thirty minute to over two hour pre-screening interview (depending on the type of financing the client is soliciting).
- Interview
The purpose of the interview will be to identify any financial, collateral, legal, or character challenges, and to educate the client on any changes they may need to make to their operational structure to qualify for traditional bank debt or alternative financing. Trinity will also use this interview to set expectations and to discuss all of the financing options that may be available to each client.
- Credit Application
Trinity will send the customer a credit application for the specific product that the client is applying for; together with a contract and a request for information.
- Credit write-up
Once the application is filled out, support documents are received, and an underwriting fee is collected from the customer, Trinity will prepare a credit write-up of the transaction for the lenders and begin the process of approaching select lenders for a preliminary indication of interest.
- Closing
Once a lender has expressed interest, Trinity will arrange, and participate in, a conference call with the Lender and client where additional questions will be asked to assist the lender in determining whether or not they wish to proceed with the transaction. If the lender is interested in the transaction, and they find the client acceptable, they will issue a term sheet, or financing proposal.
Debt Underwriting and Placement Capabilities
Trinity has over 60 combined years of commercial and corporate banking experience. Trinity’s original founder and now senior advisor served as senior underwriter for a Florida based national bank; designed & implemented the asset based lending electronic borrowing base program for a major regional bank; helped implement an Eximbank Working Capital Guaranty Program for the same regional bank (as well as for an investment grade multi-national finance company); and, managed the credit policy manual and underwriting program for an almost $1 billion Florida based hedge fund, and actively provided SBA packaging services during Trinity’s initial two years of operation.
Trinity generates the majority of its alternative finance referrals from business, commercial, and corporate bankers throughout the Southeast US. As a result of its exceptional underwriting/credit credentials, and a strong commitment to integrity, Trinity has an excellent relationship in the banking sector. As a result, Trinity can assist you in sourcing, pre-screening, negotiating, and closing traditional (primarily working capital revolvers and commercial real estate mortgage), as well as SBA, and Eximbank credit facilities with a wide array of regional and community banks.
Given its credit background, the Trinity management team can also assist commercial and business banking prospects with preparation of full bank and alternative finance standard underwriting packages and with analyzing and interpreting balance sheet and income statement trends and ratios. This is an excellent pre-screening tool that can save the client significant time, money, and aggravation in its search of a bank lending partner.