08/06/2026
One of the biggest misconceptions in commercial finance is that every decision starts with a credit score. It doesn't.
In this transaction, the buyer invested $375,000 of their own capital before we funded the balance on a $675,000 sport-fishing vessel. That wasn't just a number on a spreadsheet.
It demonstrated commitment.
When someone has meaningful equity in a transaction, incentives are aligned. They're protecting their investment just as much as we're protecting ours. That's why we look beyond the asset itself. We evaluate the entire structure of the deal—from collateral to borrower commitment—before making a lending decision.
Inside the Deal is about pulling back the curtain on how disciplined, asset-backed underwriting works in the real world.
Because the right structure changes everything.