Bring us the whole structure, not just the piece you think we’d fund. Twelve questions, about three minutes, no login — and a straight answer within two business days. It fits and here’s what we need next, it doesn’t and here’s precisely why, or here’s the one thing we can’t decide without.
If a bank sent you here, one thing worth saying plainly: your bank stays your bank. We are not looking to take over your banking relationship. We take the loan they cannot hold right now and hand you back stabilized, with them first in line for the permanent financing.
Black Keel is built to finance structure, not just a slot in it. Whatever the deal, we begin at the bottom of the capital stack — the senior loan — because that is the piece that has to be right before anything above it makes sense. It is also what we are deploying today.
So tell us about the whole structure, not only the part you think we’d fund. What sits above the senior piece, what the sponsor is putting in, where the gap actually is, and what you have already been offered. We would rather see the entire stack even when we are filling one part of it — it is how we tell you honestly whether the deal works, and it is how we get better as our own balance sheet scales into mezzanine, preferred and selective co‑investment.
One counterparty who understands the whole structure beats three with three agendas. That is the firm we are building toward, and it starts with getting the senior loan right.
Outside that? See what falls outside our box — you’re still welcome to send it, and we’ll tell you quickly.
Your best current numbers are fine — we’ll work from your statements later. Don’t send documents yet; if it clears the screen we’ll ask for exactly what we need.
Submitting a deal does not create any commitment to lend, and places no obligation on either side.