Lending Guidelines

Key Benefits

Loan Size

  • Deal Size $2,500,000 - $25,000,000. 
  • Larger transactions can be accommodated on a syndicated basis. 

Flexible Structure 

  • Revolving Credit Term of 3 to 5 years.
  • Term Loans Amortization up to 7 years depending on the nature of the machinery and equipment. 
  • Owner Occupied Real Estate Amortization up to 10 years.
  • Competitive pricing. 

Advance Rates

  • Trading Assets up to 85% of eligible accounts receivable plus up to the lesser of 60% of eligible inventory or 85% of net Orderly Liquidation Value (OLV) of eligible inventory. 
  • Fixed Assets up to 80% of net OLV of machinery and equipment plus up to 75% of Quick Sale Value (QSV) or 60% of Fair Market Value (FMV) of real estate.

Marketing Territory

  • National platform

Target Companies

  • Manufacturers, distributors, wholesalers, retailers and select service businesses.

Use of Proceeds

  • Growth opportunities, acquisitions, ownership succession financing, recapitalizations, buyouts, refinancings, seasonality, restructurings and turnarounds.

HVB Capital Credit Advantage

  • Led by industry veterans with years of experience.
  • Expeditious approval process.
  • Ready access to Senior Management.

For additional information please contact:

Ken Murphy
(212) 461-4351

Cyril Prince
(212) 461-4353