The PPL Difference
Privately Funded by Entrepreneurs
Created in 2018, Pasadena Private Lending pioneered the Owner-Guaranteed Business Loan as a non-bank lender focused on lower middle market companies. Unlike traditional banks funded by consumer deposits, our capital primarily comes from former entrepreneurs who have sold their companies and want to invest in the next generation of risk takers. These business owners have entrusted us to bring them a fair return on their money by helping other entrepreneurs grow their business.
What this means for you:
- Your reputation and track record count.
- We are able to make common sense decisions.
- You don’t experience unexplained delays red tape.
- We don’t force you to move your deposit accounts.
If you are a successful entrepreneur who needs prompt and specialized financing, we encourage you to explore what Pasadena Private Lending can do for you.
Entrepreneurial
Privately Funded by Entrepreneurs
Created in 2018, Pasadena Private Lending pioneered the Owner-Guaranteed Business Loan as a non-bank lender focused on lower middle market companies. Unlike traditional banks funded by consumer deposits, our capital primarily comes from former entrepreneurs who have sold their companies and want to invest in the next generation of risk takers. These business owners have entrusted us to bring them a fair return on their money by helping other entrepreneurs grow their business.
What this means for you:
- Your reputation and track record count.
- We are able to make common sense decisions.
- You don’t experience unexplained delays red tape.
- We don’t force you to move your deposit accounts.
If you are a successful entrepreneur who needs prompt and specialized financing, we encourage you to explore what Pasadena Private Lending can do for you.
Fast
Fast Answers & Rapid Funding
When working with Pasadena Private, you are working directly with the decision-makers.
What this means for you:
- Decisions and funding can be fast.
- 24 – 48 hour feedback and conditional approval.
- No hard requirement for time-consuming appraisals or audited financials.
- If your corporate records are in order we can normally close in 7 – 10 business days.
Flexible
Flexible Lending
Pasadena Private Lending is not bound by the rules of a traditional bank. We are industry agnostic, flexible on the use of proceeds, and adapt to your needs rather than force you to fit obscure bank rules that are periodically changed and reinterpreted by bank management.
What this means for you:
- Access to lines of credit, term loans, equipment financing, and mortgages.
- Customized payments geared to your cash flow expectations.
- Approvals based on borrowers’ satisfying most and not all credit factors.
- Flexibility and creativity in how we evaluate credit risk by considering factors such as profits, collateral, experience, and net worth.
- Greater discretion over how you choose to use proceeds.
We make creative, flexible, and fair loans to successful entrepreneurs for a variety of business purposes. Visit our loan types page for more detail.
Priced Fairly
Fair Rates
Why we can lend at lower rates…
Because we look at the whole picture, we can give credit where banks can’t and hard money won’t. That also means we look to owners to guarantee the loans. In that way we invest in a long term relationship with you, not just a “one-time” transaction.
What this means for you:
- Lower rates than most non-banks.
- Discounts offered to borrowers also using other Pasadena Private Financial Group services.
- Interest rate margins tied to performance (i.e. reduced when your business improves).
- Transparent pricing and no hidden fees.
- We honor most introducing broker arrangements.
Reliable
Reliable Partner
We deliver.
Our capital comes from our ecosystem of high net worth families and is further augmented by our institutional relationships. We have earned our partners’ trust throughout the years by delivering on our promises and doing the right thing. With over a combined century of underwriting experience, our senior team makes prudent and common-sense credit decisions that help successful entrepreneurs grow companies within the Pasadena Private eco-system.
What this means for you:
- We cannot get overruled by changing bank regulations or distant credit committees who are unfamiliar with our markets.
- We are long-term partners in your success and through inevitable challenges.
- We understand the urgency of deal-making.
- Your success is our success and we hope that one day you will be consider recycling your capital towards the next generation of entrepreneurs.
``It became clear that my bank was not going to move at the speed we needed to close an opportunistic purchase. My CFO found Pasadena Private Lending and the team at PPL moved quickly to secure us the funds we needed on good terms to get the deal done.``
CEO of an industrial manufacturing company
Whether for an acquisition, refinancing, or growth capital, our team of experts is here to help you access funding for all types of opportunities.