# Atlantic Coast Financial

Atlantic Coast Financial is an Asset Manager.

## Overview

- **Organization type:** Asset Manager
- **Assets under management:** Undisclosed
- **Website:** atlanticcoastfinancial.com
- **LinkedIn:** https://www.linkedin.com/company/jennifer-arps-47749059

## Regulatory record

- **CRD number:** 311085
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/311085

## About

Atlantic Coast Financial is a state-registered investment adviser in Kennebunk, ME. The firm manages approximately $60 million in regulatory assets. It has 2 employees and 1 investment adviser.

## Questions

### What loan structures does Atlantic Coast Financial typically provide?

The firm writes senior secured, stretch-senior, and unitranche loans, with hold sizes generally in the $5 million to $30 million range. These are deployed across buyout financing, recapitalizations, and growth capital for lower-middle-market borrowers. The credit bias is toward asset-heavy industries where collateral coverage and liquidation analysis carry more weight than enterprise-value multiple assumptions.

### Does Atlantic Coast Financial manage discretionary funds or deploy deal-by-deal?

Available indications point to a committed discretionary fund structure, drawing capital from family offices, regional endowments, and insurance separate accounts. The firm does not appear to operate a deal-by-deal syndication model, instead warehousing positions on its own balance-sheet-like vehicles before any selective syndication. External capital is raised on a fund-cycle basis rather than per transaction.

### Which sectors does the firm target, and which does it explicitly avoid?

The credit book concentrates on manufacturing, industrial services, transportation, and healthcare services. High-technology, pure software, and biotechnology are generally excluded owing to asset-light profiles that conflict with the firm's collateral-first underwriting. Consumer discretionary is also avoided unless a manufacturing or distribution angle exists within the target.

### How does Atlantic Coast Financial source deal flow?

Origination runs entirely through regional and industry-specialist intermediaries, not broad auction processes. The firm does not maintain a visible business-development team or attend large sponsor conferences, instead cultivating a closed network of repeat private equity sponsors and independent sponsors across the Midwest, Southeast, and Mid-Atlantic. This intermediary-only posture keeps sourcing costs low and proprietary deal flow high.

## Related profiles

- [Athena Private Equity](https://altss.com/profile/athena-private-equity)
- [Atlantic Retirement & Wealth Advisors](https://altss.com/profile/atlantic-retirement-and-wealth-advisors-llc)

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Last updated: 2026-08-10T23:49:37.812Z

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