Bridging Generations. Bridging Business Ownership.
A private credit + impact fund providing short‑term, secured bridge loans to Millennial entrepreneurs acquiring profitable small businesses from retiring Baby Boomers — delivering predictable monthly income with downside protection and measurable social impact.
Fund Snapshot
- Asset Class
- Private Credit + Impact
- Target Size
- $100M
- Structure
- Delaware LP · 506(c) · Open‑ended
- Lockup Period
- 24 months
Distributions are targets, not guarantees. Accredited investors only. See disclosures below.
Why Now
The Generational Business Ownership Transition Hits a Financing Gap
The Silver Tsunami
- •Baby Boomers, born between 1946 and 1964 (age 61~79)
- •Collectively own 41% of small businesses in the US
- •10,000 boomers turning age 65 every day
- •12 million businesses expected to sell and change hands within 10 years
- •But 70% lack succession plan
- •25 million employees’ jobs at stake
- •Most boomers have trapped equity and not enough savings for retirement
Millennial Buyers
- •Millennials, born between 1981 and 1996 (age 29~44)
- •Tech layoffs (350,000+ tech workers laid off in last 3 years) catalyze ETA (entrepreneurship through acquisition)
- •Experienced professionals in their 30s and 40s with business acumen, management experience, digital fluency, and entrepreneurial drive
- •MBA programs and practitioners teaching buying businesses -> growing pool of buyers
Traditional Financing Gap
- •SBA timelines: typically takes 3~6 months to close, with no guaranteed timeline
- •Time and Uncertainty Kills All Deals
- •Rigid lending rules restrict creative deal structuring such as passive investor sponsorship, roll-up strategies, or bolt-on acquisitions
- •Banks, institutes and large funds prefer bigger-sized deals ($10M+)
- •Leaving a big gap for acquisition entrepreneurs and M&A investors to acquire profitable businesses
Our Solution
Private Credit with Secured Bridge Loans
Income + Low Correlation
Private credit has delivered attractive yields with lower correlation to public markets.
Secured & Structured
1st‑lien security position, disciplined covenants, interest reserves, and asset coverage targets.
Speed & Certainty
Fast underwriting with AI agent assistance, with Investment Committee oversight.
Impact Built‑In
Preserve jobs and local economies by enabling inclusive ownership transition.
Where We Fit
We finance the gap between LOI and long‑term takeout. Our loans bridge to SBA, conventional term loans, portfolio‑level institutional debt, mezzanine/revenue‑based financing, or equity recapitalization — depending on borrower profile and integration progress.
- 3–24 month bridge loan
- Up to ~70% LTV
- DSCR ≥ 1.25
- Asset Coverage ≥ 1.25
- Business Growth & Scaling Advisory
- Refinancing Coaching & Packaging
At a Glance
Fund Terms
Structure
- •Delaware LP
- •Reg D 506(c), open to accredited investors only
- •2‑year lock‑up after deployment
Investor Classes
- •Class A: $100K min — Target annualized 12% return, 1% monthly distribution, 2% management fee
- •Class B: $1M min — Target annualized 15% return, 1.25% monthly distribution, 1% mgmt fee
Objective
- •Capital preservation
- •Predictable monthly income
- •Social impact - financing the generational handoff of small business ownership in the United States
Focus
Target Financing Profiles
Ideal Business Profile
- •5+ years of profitable operations; $1M+ revenue
- •Clean, verifiable financials; stable cash flow (DSCR > 1.25)
- •Recession‑resistant sectors: home services (HVAC, plumbing, roofing, pest), auto repair, essential B2B services (accounting), childcare & senior care, facilities & commercial services
Ideal Borrower Profile
- •Millennial operators & investors; credit score > 680
- •Proven leadership, team management, growth mindset
- •Personas: Corporate Refugees, experienced investors, current GMs/second‑in‑command, Women & Minorities, Veterans
How We Underwrite and Manage Risks
AI‑Powered + Human Review
- 1
Application & Initial Screening
AI agents analyze financials (DSCR), risk factors, and flag inconsistencies between statements and tax returns.
- 2
Borrower & Collateral Assessment
Credit pulls, background checks, collateral valuation, and asset coverage calculations.
- 3
Exit / Takeout Readiness
Feasibility review for SBA and alternative takeouts; evaluate LOI/SPA and capital stack.
- 4
Investment Committee Approval
Experienced credit professionals vote on each deal.
- 5
Legal Docs & Closing
Loan agreement, pledges, guarantees, UCC‑1, and escrowed interest reserve before funding.
Risk Management: Multi-Layer Protection
- 1st‑lien on business equity with UCC-1 filing
- Irrevocable Power of Attorney for enforcement
- Springing Personal Guarantee on covenant breach/default
- ≥10% seller standby note
- DSCR > 1.25
- Asset Coverage > 1.25
- up to 70% LTV
- 3–12 months interest reserve in escrow
- Exposure caps: ≤10% per borrower; ≤20% per industry
- 5% loan loss reserve
- Real‑time financials covenant monitoring
- Top‑tier collections partners
- Access to Mentors Networks
Our Investment Philosophy
Bridging Purpose & Profit
We Bridge Timing Gaps with Flexible Capital
While SBA and conventional lenders move slowly, we can close fast and enable quick acquisitions and smooth transitions.
We Invest in People, Not Just Spreadsheets
We provide access to mentors and networks, empowering borrowers with the resources to succeed, not just the capital.
We Preserve Legacy While Creating Wealth
Every deal we close, we help sellers preserve their legacy and enable new owners to build wealth and financial freedom.
We Prioritize Capital Preservation and Downside Protection
Our lending approach is grounded in conservative underwriting with a focus on strong DSCR ratio and collateral coverage.
We Make Capital a Force for Good
We believe capital can do more than grow wealth—it can create opportunities, revive communities, and change lives.
Get In Touch
Ready to explore if we’re a fit?
This is more than lending. We’re linking legacy and ambition, business continuity and inclusive ownership, capital and community.
We invite you to join us in building a future where small business transitions are dignified, capital is empowering, and investors are rewarded for doing well and doing good.