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).
Capital Acquisition
Over 60 years of combined underwriting & debt origination
Trinity fully underwrites a transaction to bank and alternative banking standards for a one-time underwriting fee before placing it with one of the many traditional banks or alternative finance companies that Trinity works with.
Contact UsExperience60+ Yrs Combined
OriginSoutheast US
Lender NetworkBank · Alt-Finance
ApplicationsB2B · B2C · B2G
01How Trinity Works
A seamless fund-raising process — and a stronger chance of getting your deal done
With over 60 years of combined underwriting and debt origination experience at various commercial banking and alternative finance institutions, Trinity has distinct advantages over the competition as we have the ability to fully underwrite a transaction to bank and alternative banking standards for a one-time underwriting fee before placing it with one of the many traditional banks or alternative finance companies that Trinity works with.
Bottom line: not only do we make the fund-raising process as seamless as possible for the client, but we also have a much better chance of "getting your deal done" than most of the competition.
02The Process
From engagement to closing
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 underwriting 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.
03Underwriting Capabilities
Debt underwriting and placement capabilities
Trinity has over 60 combined years of commercial and corporate banking experience. Trinity's original founder and now senior advisor served as senior underwriter for a Florida-based national bank; designed and implemented the asset-based lending electronic borrowing base program for a major regional bank; helped implement an Eximbank Working Capital Guaranty Program for the same regional bank (as well as for an investment-grade multinational finance company); and managed the credit policy manual and underwriting program for an almost $1 billion Florida-based hedge fund, and actively provided SBA packaging services during Trinity's initial two years of operation.
Trinity generates the majority of its alternative finance referrals from business, commercial, and corporate bankers throughout the Southeast US. As a result of its exceptional underwriting and credit credentials, and a strong commitment to integrity, Trinity has an excellent relationship in the banking sector.
As a result, Trinity can assist you in sourcing, pre-screening, negotiating, and closing traditional (primarily working capital revolvers and commercial real estate mortgage), as well as SBA, and Eximbank credit facilities with a wide array of regional and community banks.
Given its credit background, the Trinity management team can also assist commercial and business banking prospects with preparation of full bank and alternative finance standard underwriting packages and with analyzing and interpreting balance sheet and income statement trends and ratios. This is an excellent pre-screening tool that can save the client significant time, money, and aggravation in its search of a bank lending partner.
04Financing Products
Products Trinity helps place
Conventional Bank Lending
Working capital revolvers and commercial real estate mortgage
SBA Credit Facilities
Sourced with regional and community banks
Eximbank Working Capital Guaranty
International trade working capital
Asset-Based Lending (ABL)
Receivables, inventory, and equipment collateral
Equipment Leasing
Match financing to equipment life
Vendor Finance
Supplier-backed working capital
Commercial Real Estate Lending
Owner-occupied and investment property
Merchant & Direct Cash Advances
Alternative working capital
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