Specialised financing for companies

Sienna Private Credit provides companies access to financing backed by the various assets on their balance sheets (fixed as well as current assets) and has based its positioning and added value from the outset on a deep understanding of possible risks and of the various assets accepted as collateral.
This goes beyond the basic credit analysis generally carried out at the time of a bank loan, thus making it possible to offer a borrowing capacity more favourable to the company, to be secured by the value of the assets taken as collateral.

Financing of companies backed by the various assets on their balance sheets

The SMB/MSB loan market has undergone a profound transformation characterised by a marked deterioration of the conditions offered to companies with the best credit quality, a steep decline in unsecured loans and the emergence of new players (including loan funds), some of which are inaugurating new techniques (Fintechs).

For lenders, the growth of collateralised financing (leasing of industrial equipment, financing of inventories, trade receivables, etc.) addresses the need for risk management.

Our scoring approach is consistent with the investment strategy conducted in each of our businesses and includes a threefold analysis which is central to overall assessment of the projects slated for inclusion in the assets of funds managed by Sienna Private Credit:

Understanding of the debtor by a credit analyst with solid credit experience acquired in a bank or rating agency
Understanding of and ability to evaluate the underlying and/or collateral assets
A particular focus on the loan agreement, its clauses and its legal enforceability, which have a significant impact on the successful completion of operations and, consequently, on the strength of the portfolio and its attractiveness to investors.