For banks & referral partners
Keep the relationship, even when you can’t keep the credit.
Winncoe Capital works alongside banks, not against them. We give your good-but-not-bankable-today borrowers a credible home, structure facilities you can participate in, and hand relationships back when they’re ready.
Three ways to work together
Built for the credits that fall just outside your box.
01
Turndown referrals
A home for good companies that don’t fit today.
- Your depository and treasury relationship stays with you
- We keep you informed as the credit progresses
- We point the borrower back to you when they’re bankable again
02
Participations
A senior position in a Winncoe-structured facility.
- We structure, document and administer as agent
- Field exams, appraisals and borrowing-base monitoring done for you
- Regular reporting package to participants
03
Co-lending
Complete the capital stack in one close.
- Pair your cash-flow or real-estate loan with our asset-based piece
- Clear intercreditor terms agreed up front
- One closing timeline for the borrower
How a referral works
Simple for you, fast for your borrower.
A short call is all it takes to find out whether a borrower fits. If it doesn’t, we’ll say so quickly — you won’t lose time or credibility with your customer.
1
Call or send a summary
A few lines on the company, the need and why it doesn’t fit your box. No package required to start.
2
Quick read
We give you and the borrower an honest view early, before anyone spends money on diligence.
3
Term sheet & diligence
Winncoe leads the field exam and appraisals, and structures any participation or co-lend with you.
4
Close & administer
We fund and administer as agent, report to participants, and keep you in the loop throughout.
Why banks work with us
Lenders who have sat on your side of the table.
Our principals have built and run asset-based lending platforms inside banks and specialty finance companies, and have worked out credits from both sides. We know what your credit committee needs to see.
$7.0B+
Originated by platforms our principals co-founded or led
250+
Companies financed across the US, Canada and Europe
In-house
Appraisal, field examination and inventory analytics
Good fits
Borrowers we’d like to hear about.
- Growing faster than their bank line allows
- Seasonal or inventory-heavy businesses
- Recent loss or covenant issue with solid collateral
- Customer concentration outside bank policy
- Ownership change, acquisition or recapitalization
- Leaving a lender that is exiting the space
- Inventory-only borrowing needs
- In or near a restructuring, including DIP and exit
- Companies on a path back to bankable
Refer a borrower or start a conversation.
Everything you share is confidential. You’ll hear back within one business day.
Daniel F. O’Rourke, Founder & Managing Member
(617) 417-1459
dorourke@winncoe.com
60 State Street, 7th Floor, Boston, MA 02109
