Senior secured asset-based lending
Capital built around what you own — not around a credit box.
Winncoe Capital provides revolving lines and term loans secured by receivables, inventory, equipment and real estate to lower-middle-market companies that need more liquidity, more flexibility, or more attention than their current lender gives them.
$7.0B+
Originated by platforms our principals co-founded or led
250+
Companies financed across the US, Canada and Europe
25 yrs
Of asset valuation, underwriting and workout experience
A lender that understands the business behind the collateral.
We started our careers valuing assets and working out credits. That is why we can say yes to structures other lenders pass on — and why we can help once the loan is in place.
Borrow against all of it
Receivables, inventory, machinery and equipment, and real estate — in one facility. We are a nationally known inventory lender and will look at inventory-only structures.
A lower blended cost
Bank participation structures pair Winncoe’s facility with bank capital, so you get specialty-lender flexibility at a cost of capital closer to a bank’s.
Help beyond the loan
Senior people on every relationship, plus client advisory support for reporting, borrowing bases and finance operations when your team is stretched.
Solutions
Structured to the situation.
Asset-based revolvers
For companies whose growth, seasonality or turnaround needs more availability than a bank line provides. Advances on receivables and inventory, including inventory-only structures.
Senior secured term loans
Machinery and equipment, real estate and enterprise-value term loans — alongside a revolver or on their own — to fund acquisitions, capex or a refinancing.
Bank participation structures
A single facility that blends Winncoe capital with a bank partner’s, lowering your all-in rate while keeping one lender relationship and one set of reporting.
Special situations
Restructuring financing, debtor-in-possession and exit facilities for companies working through a transition, in or out of court.
For banks & referral partners
Keep the relationship, even when you can’t keep the credit.
We work alongside banks, not against them. Send us the borrower who has outgrown your box, and we’ll structure a facility you can participate in — or hand back when they’re bankable again.
01 · Turndown referrals
A credible home for good companies that don’t fit today. Your depository relationship stays with you.
02 · Participations
Take a senior position in a Winncoe-structured, Winncoe-administered facility, with the field work and monitoring done for you.
03 · Co-lending
Pair your cash-flow or real-estate loan with our asset-based piece so the borrower gets the full capital stack in one close.
How we work
From first call to funding.
You’ll hear an honest read early. If we can’t do it, we’ll say so on the first call — and usually point you to someone who can.
1
Conversation
A confidential call about the need, the collateral and the timing. Recent financials and an A/R and inventory aging are enough to start.
2
Term sheet
A proposed structure and terms built around your assets and plan — delivered quickly, on your timeline.
3
Diligence
Field exam and appraisals, run by people who have done thousands of them — focused, not a fishing expedition.
4
Close & administer
We fund, then administer the facility as agent — one point of contact for borrowing bases, reporting and changes as you grow.
The team
You’ll work with the people you meet.
Daniel F. O’Rourke
Founder & Managing Member · Boston
More than 25 years in lending, credit and turnaround. Co-founded several non-bank and asset-based lending platforms that financed 250+ companies and $7.0 billion; former CEO of Rise Line Business Credit and Chief Credit Officer of Metis Commercial Finance.
David A. Supple
Partner · Operations & Growth · Atlanta
More than 30 years leading start-ups and middle-market companies, including as President of Mashburn and CEO of Party City of Atlanta. He brings the operator’s view of the borrower’s business.
Ward Urban
Underwriting & Portfolio Management
Senior transactor across corporate and leveraged finance, ABL, M&A and treasury, with fractional CFO, treasurer and VP-finance roles at public and private companies.
Tom Garner
Inventory Analytics & Systems
Turns inventory and ERP data into SKU-level intelligence for borrowing bases and collateral monitoring. Former Director of Inventory and Planning at Sid Mashburn and Ann Mashburn; Georgia Tech MBA.
Barton Hyte
Appraisal & Field Examination
Leads appraisal and field examination work — on-site review, collateral analysis and valuation that underpin every credit decision.
Philip Italiano
Business Development
Leads outreach and relationship building with borrowers, banks and referral partners. Rutgers University and American University graduate with a corporate development background.
Start with a twenty-minute call.
Tell us a little about the company and what you need. Everything you share is confidential, and a partner will get back to you within one business day.
Daniel F. O’Rourke, Founder & Managing Member
(617) 417-1459
dorourke@winncoe.com
60 State Street, 7th Floor, Boston, MA 02109
