Pilothouse Structured Debt Finance

Comprehensive Secured & Unsecured Debt Solutions

At Pilothouse, we've moved beyond the high-friction brokerage model. We function as Commercial Credit Strategists across five core pillars: Enterprise Credit, Real Estate, Technology, Data Centers, and Luxury Assets.

We source and place capital across the entire credit spectrum, from senior secured facilities to complex junior capital and special situations. Our specialty is Situational Capital—bespoke financing solutions for unique scenarios requiring creative structuring and institutional expertise.

Beyond the Slog

The Pilothouse Intelligence Layer

Solving the structural friction of the traditional dataroom slog with Technology to achieve our ultimate goal: successful debt placement for every mandate.

For Clients

Maximum Velocity, Zero Guesswork

The Problem:

Founders are often trapped in the "Dataroom Slog," where raw data sits in static folders for weeks while lenders look for reasons to say "No".

The Solution:

We recognize that your time is your most valuable asset. Our Technology acts as a force multiplier, performing a deep-dive diagnostic of your financials to de-risk your file before it ever hits a lender's desk.

The Outcome:

Successful debt placement with maximum velocity. We move the ball exponentially down the field behind the scenes, ensuring that by the time you see a mandate, it has already passed the institutional "gate" and is positioned for close.

For Referral Partners

The High-Performance Nervous System

The Problem:

Referral partners often see high-potential deals that don't fit their specific credit box or require too much manual de-risking.

The Solution:

Partner with Pilothouse to leverage our proprietary Neural Framework—a technical intake model that Ingests, Optimizes, and Analyzes complex files in hours rather than weeks.

The Outcome:

Successful debt placement for your referred clients. We aren't just another broker; we are a "Force Multiplier" for your advisory team, amplifying your capacity to close complex unitranche, asset-based, or bridge requirements with surgical precision.

For Capital Partners

Precision Mandate Alignment

The Problem:

Institutional lenders are often overwhelmed by "noisy" data dumps and poorly structured mandates that waste underwriting resources.

The Solution:

Pilothouse maintains discrete, principal-level relationships with funds commanding billions in AUM, providing only "Committee-Ready" mandates that have passed our 8-step neural audit.

The Outcome:

High-quality deal flow that closes. We do not "shotgun" deals; we utilize the Gretzky Method to architect capital structures that align with your specific credit box, delivering only placement-ready mandates with transparency and data integrity.

Debt Advisory

Sourcing secured and unsecured capital for refinancing, acquisition financing, and dividend recapitalizations with optimal terms and structure.

  • Term Loans & SBA Loans
  • Lines of Credit
  • Acquisition Financing
  • Consulting for Business Financing

Working Capital & Trade Finance

Optimizing cash flow with flexible financing solutions for receivables, inventory, and supply chain needs.

  • AR Financing & Factoring
  • PO Financing
  • Asset-Based Lending (ABL)
  • Strategic Working Capital

Specialized Asset Finance

Bespoke funding structures for high-value assets, infrastructure projects, and specialized equipment.

  • Jet & Yacht Financing
  • Project Financing
  • Real Estate & Construction
  • Equipment Leasing

Growth & Venture Debt

Non-dilutive capital for high-growth technology companies, data centers, and recurring revenue models.

  • Venture Debt & Growth Debt
  • Data Center Financing
  • Technology Financing
  • SaaS Recurring Revenue Lines

Short-Term Opportunistic Credit (STOC) Scenarios

Strategic Working Capital

Addressing immediate liquidity demands or bulk purchase opportunities without violating permanent indebtedness clauses.

Bridge Financing

Securing immediate funds for M&A or competitor acquisition between primary financing rounds, ensuring growth opportunities are never missed.

Recapitalization

Replacing toxic or high-cost "bridge" debt with institutional-grade structured finance to restore balance sheet integrity.

Specialty Lending

Tailored financial solutions for niche industries with unique capital requirements and asset structures.

Law Firms

Case cost financing, settlement advances, and working capital for contingency-fee based practices.

Insurance Cos

Commission advances, agency acquisition financing, and liquidity solutions for carriers and brokerages.

Medical Practices

Equipment financing, practice buy-ins/buy-outs, and revenue cycle management lines of credit.

Luxury Assets

Bespoke financing for high-value assets including fine art, classic cars, and marine vessels.

Trusted Partner Ecosystem

We collaborate with industry-leading specialists to provide comprehensive operational support beyond capital.

King Insurance

Risk Management

Comprehensive insurance solutions for high-growth enterprises.

Interfor

Global Security

Intelligence, investigations, and physical security consulting.

Curation Agency

GTM & Design

Strategic marketing, brand design, and go-to-market execution.

Tip of the Spear Ventures

Strategic Growth

Fractional CXO for scaling companies—revenue, operations, and exit strategy.