Structured Debt Finance
& Advisory
"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."
Our Technical Intake model transforms how mandates get executed—AI-driven ingestion, automated risk assessment, and institutional capital matching at maximum velocity.
Strategic Pillars
Technical Intake
Our AI-driven ingestion engine de-risks client files through 635-point verification, ensuring every placement is "Committee-Ready" for institutional mandates.
Market Focus
Specializing in LMM firms and MM outliers requiring bespoke capital stacks beyond traditional bank capabilities.
Institutional Reach
An elite network of partners—from private credit funds to family offices—providing mission-critical secured and unsecured debt solutions.
Key Insights & Capabilities
Bespoke Debt Vehicles
Secured and unsecured debt structures including senior/junior facilities, unitranche solutions, and off-balance sheet vehicles.
Structural Flexibility
Interest-only periods, PIK interest options, and customized amortization schedules.
Opportunistic Credit
Strategic working capital, bridge financing for M&A, and recapitalization solutions.
Business Financing & Debt Capital
Pilothouse structures secured and unsecured debt capital for businesses and sponsors seeking flexible financing solutions beyond traditional bank constraints. Our institutional network provides access to competitive capital across the full spectrum—from senior secured term loans and revolving credit facilities to subordinated mezzanine debt and unsecured growth capital—for transactions ranging from $5 million to $250 million+. We specialize in sourcing Situational Capital for complex scenarios requiring bespoke solutions beyond conventional financing structures.
We architect debt structures that align with your operational cash flow, growth trajectory, and strategic objectives. Our expertise spans acquisition financing, working capital facilities, equipment financing, recapitalization, and refinancing across diverse industries. Whether you're funding business expansion, commercial real estate development, or luxury asset acquisitions (private jets, yachts, art collections), our Pilothouse A³ Technology matches your mandate with the optimal capital source from our network of life insurance companies, private credit funds, family offices, and specialty lenders.
Financing Use Cases
- Acquisition & M&A Financing
- Working Capital & Growth
- Equipment & Asset Financing
- Real Estate & Luxury Assets
Debt Structures
- Senior Secured Term Loans
- Revolving Credit Facilities
- Mezzanine & Subordinated Debt
- Unsecured Growth Capital
The "Locker" Advantage
Our technical infrastructure redacts and optimizes sensitive data, highlighting borrower strengths against specific funder underwriting mandates for a higher probability of close.
Source-verified data integrity
"Committee-Ready" placement packages
Privacy-first data redaction
Advisory Mission
"Architecture for Alpha"
For pre-bankable founders or firms in transition, we provide high-level advisory to prep and package mandates, moving borrowers from high-risk tiers toward institutional rates.
Quality of Data
Transforming raw financials into institutional-grade narratives that withstand rigorous due diligence.
Risk Triage
Proactively identifying and mitigating "Hidden Reefs" like customer concentration and messy cap tables before funder engagement.
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Contact Information
Ready to move forward? Our team is available to discuss your specific situation and how Pilothouse can structure the right capital solution for your business.
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Headquarters
New York, NY