What you get
Capital against your loan book, in the layer your bank will not advance against. No equity, no warrants, no board seat. Your own money stops being the thing that limits how much you can lend.What it costs
Roughly 11% a year, all in, on the slice PRISM funds. That is more than a bank charges and less than your own equity costs you. We are not trying to replace your bank — keep it. We fund the part above their advance rate.Why this is not a bank replacement
Your bank’s money is cheaper and always will be, because it is priced off the US base rate. PRISM is not competing with that. PRISM competes with your own equity, which is the most expensive capital you have. The structure assumes your senior facility stays exactly where it is. We work inside it, not around it — which is why your lender’s consent is a hard requirement.What we are not
Next
What we need from you
Six requirements, one of them non-negotiable.
What this looks like in your numbers
A $10M book, with and without PRISM.