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In addition to financing individual
transactions, Catalyst works with manufacturers,
equipment vendors, energy service companies (ESCOs)
and
utilities
to customize financing programs that will accommodate the diverse needs of
their customers.
Catalyst understands that organizations
have unique financing needs, and that "one size does not fit all." For example:
Public schools, state and Local governments, state universities and
community colleges and other public agencies
are able to issue tax exempt
commitments, which can have substantially lower interest rates than
commercial transactions. Financings that are paid out of operating expenses
are preferred to making capital budget obligations, which usually require
voter approval.
The federal
government,
while not tax exempt, is typically
considered a safe credit risk. However, improperly structured
contracts can substantially increase the financing cost to the point of
becoming too expensive or unfinanceable.
Commercial real estate
projects
are typically owned by limited partnerships or LLCs, and are often managed
by service companies unable to make financial commitments on behalf of the
owners.
Small and medium sized
industrial clients
benefit from
traditional financing programs as they are often viewed by the banking
community as higher risk customers who typically borrow at higher interest
rates. On the other hand, large, well-established
industrial clients can easily borrow on their
own, however they are often hindered by budget and other internal
constrains. Special financial structuring, including off-balance
sheet treatment, may be necessary for these larger companies.
New or financially recovering
companies are considered higher risk and often need venture capital
or
venture leasing.
Non-profit corporations have
special needs and often qualify for non-traditional financing.
Public Housing and
Multi-Family
(apartment houses) projects are of interest. However, we do not
finance individual residential
projects (other than portfolios).
Catalyst can help finance equipment or
projects for these clients, and more.
Commercial lease
financing starts as low as $20,000. Other
domestic projects must be at
least $250,000. International
and
Project Finance
must be $2 million or more.
Growth Capital projects
start at $1 million.
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