Having both a direct lending and consulting platform provides Trinity with advantages over the competition as we have the flexibility of either underwriting the transaction directly, or placing it with one of the many traditional banks or alternative finance companies that Trinity works with. Bottom line is that we 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 engagement 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.