United States
Houston lending is shaped by energy, petrochemicals, engineering services and the port. Cash flow in those sectors moves in cycles, so lenders here are comfortable underwriting against equipment, receivables and contracted revenue rather than a smooth earnings line.
| Structure | Where it works |
|---|---|
| Asset based lending | Revolving lines against receivables and inventory, sized on a borrowing base. |
| Equipment finance | For rigs, fleet, fabrication plant and yard equipment. |
| Project debt | For contracted energy and infrastructure assets with offtake in place. |
Borrowing base reporting is standard, so accurate monthly receivable ageing matters more here than in most markets.
Concentration with one or two large customers is common and needs to be addressed openly in the credit paper.
Cycle exposure is expected. Lenders respond better to a stress case than to a forecast that assumes prices hold.
Yes, where the loss is explained by a cycle and the collateral supports the facility. Asset based structures exist precisely for that case.
Three to six weeks for equipment and receivables lines, longer where a full field examination and appraisal are required.
Tell us what the business in Houston needs and we will structure the request and approach the providers whose criteria match. No upfront fees, charges apply only once funding completes.
Start a funding request