I.M.S. Investment Funds Commercial & Industrial Finance provides customized financing and advisory services in all stages of the business cycle, including working capital, growth capital, acquisition, debt refinancing, recapitalization and restructuring. We serve a wide range of industries including manufacturing, retail, restaurants, consumer products, and chemicals.
Asset-based loans:
* Senior secured revolving and term debt based on asset valuations
* Revolving lines of credit based on valuation of inventory and receivables and term loans based on valuation of fixed assets (including machinery, equipment and real estate)
* Loans against Intellectual Property - valuable trademarks, patents, licenses and royalties
Cash Flow Financing:
* Predominantly in connection with acquisition financing
* Senior secured debt, which is based on a multiple of EBITDA and understanding of cash flow drivers
* Reliance on a company's operating performance, management strength and competitive position
Select stretch asset-based loans and hybrid structures:
* Senior secured revolver and term financing with advances beyond traditional ABL advance rates
* Reliance on cash flow and traditional asset-based analytics
First out/unitranche structures:
* On an asset-based or cash flow basis