Capital solutions that unlock growth, manage risk and maximise enterprise value
Vicage partners with founders, management teams and investors to design and deliver financing structures that match strategy with capital. Whether you need working capital, growth finance, structured debt or project funding, our focus is on execution, compliance and measurable outcomes.
Comprehensive Financing Solutions
Our product suite is built to support every stage of a company's lifecycle. We combine market knowledge, investor access and structuring expertise to deliver practical capital solutions.
Corporate Term Loans
Medium- to long-term senior debt with amortisation profiles tailored to cashflow. Suitable for CAPEX, refinancing, and acquisition financing.
Working Capital Facilities
Revolving credit lines, overdrafts, inventory and receivables financing to optimise liquidity across operational cycles.
Mezzanine & Hybrid Capital
Subordinated instruments, convertible notes and preferred equity that bridge the gap between debt and equity for growth stages.
Syndicated & Club Loans
Coordinated financing with multiple lenders for larger ticket sizes and risk sharing. We lead syndication and agent roles.
Asset-Backed & Receivables Finance
Collateralised lending using inventory, equipment, receivables or warehouse receipts to secure higher advance rates.
Project & Infrastructure Finance
Long-term project finance for infrastructure, energy and large-scale capex, with off-take and concession structuring.
Product Deep Dives
Each financing product is customised across tenors, covenants and security packages. Below we explain common structures and when they are used.
Corporate Term Loans
Typical structures include fixed-rate or floating-rate loans, amortising schedules, and covenant packages (financial covenants, reporting obligations). Suitable for capital expansion and one-off investments.
Working Capital
We provide seasonal facilities, invoice discounting, and supplier pre-finance. Advance rates depend on debtor credit and collateral (up to 85% for high-grade receivables).
Mezzanine
Structured as subordinated debt with equity kickers. Used by growth-stage companies to avoid immediate dilution while accessing capital for expansion.
Asset-backed Structures
We arrange asset-backed lending using equipment, inventory or receivables. Security perfection and insurance are critical; we coordinate local counsel where needed.
Syndication
For large financings we run a structured syndication process — lead arranger, bookbuild, lender DD coordination and agency mechanics.
End-to-End Financing Process
A clear, repeatable process ensures speed and transparency. Below is our standard workflow for corporate finance mandates.
1. Initial Brief & Pre-screen
Client shares a one-page mandate: purpose, tenor, amount, key counterparties and timelines. We perform a pre-screen to confirm fit and sensitivity to our risk appetite.
2. Diagnostic & Data Room
We request financial statements, forecasts, contracts, corporate docs and perform a diagnostic: cashflow modelling, covenant stress testing, and collateral assessment.
3. Structuring & Term-sheet
We produce a recommended term-sheet outlining pricing range, covenants, security, fees and drawdown mechanics for client review and negotiation with prospective lenders.
4. Market Engagement & DD
We run a targeted lender/investor outreach, manage Q&A, coordinate site visits and third-party reports (valuation, asset inspections, technical reviews).
5. Documentation & Close
We coordinate legal documentation (loan agreement, security docs, intercreditor agreements), escrow instructions and closing conditions. Funds are released per agreed mechanics.
6. Monitoring & Covenant Management
Post-close we monitor covenant testing, KPIs and trigger early-warning mitigants to avoid technical breaches. We provide monthly or quarterly dashboards to lenders and stakeholders.
Pricing, Fees & Commercial Terms
Pricing varies by tenor, security, counterparty strength and jurisdiction risk. Below are indicative ranges and typical fee types to guide planning.
Interest / Margin
Indicative: Base rate + 3% to 8% for senior facilities; mezzanine pricing is higher depending on subordination.
Arrangement Fees
Arrangement / structuring fees typically range from 0.5% — 2% of facility size depending on complexity.
Commitment & Agency Fees
Commitment fees on undrawn amounts and agency fees for syndicated facilities are charged separately.
These ranges are indicative. Final pricing is provided after credit assessment and market testing.
Legal, Security & Compliance
Robust legal design reduces enforcement risk and preserves lender confidence. We coordinate local counsel to perfect security and manage cross-border enforcement mechanisms.
Risk Management & Hedging
We identify material risks and design mitigants including insurance, hedging and contractual protections. For commodity or currency-exposed clients we integrate market risk solutions where appropriate.
Credit Risk
Counterparty assessment, credit insurance and receivable factoring for high-risk buyer profiles.
Market Risk
FX and commodity hedges, natural collars and structured hedging tailored to cashflow profiles.
Operational & Legal Risk
Perfection of security, on-site asset verification and detailed covenants to protect lender recovery values.
Case Studies & Impact
Representative examples of how Vicage structures and delivers complex financing across sectors.
Manufacturing SME — Working Capital & CAPEX
Mandate: $1.2m blended facility (term + working capital) to modernise production lines and ramp output. Structure included inventory security, receivable factoring and milestone-based tranche releases. Outcome: 60% revenue uplift and export expansion.
Renewable Energy — Project Financing
Mandate: $18m project finance for a 10MW solar micro-grid. We structured a non-recourse debt facility with sponsor equity, concessional DFI tranche and construction guarantees. Outcome: energy access for 30k households and predictable cashflows from long-term offtake.
Frequently Asked Questions
A: We consider transactions from $50k upwards, with different product teams handling small-ticket SME finance versus large project financings.
A: Simple working capital facilities can be agreed in 7–14 business days; complex structured financings may take 4–12 weeks depending on due diligence and syndication.
A: For security perfection and regulatory filings we engage reputable local counsel to ensure enforceability and compliance.
Start Your Financing Conversation
Send a brief or request a term-sheet. Please include headline financials and an overview of collateral or security available.