Credirati

Credirati focuses on directly originated senior secured, unitranche, and second-lien loans to North American lower-middle-market companies. The firm typically targets businesses generating between $5 million and $50 million in annual EBITDA. It structures and leads transactions, holding the debt on its balance sheet and through managed funds, rather than syndicating broadly.

Credirati's deal flow is predominantly sponsor-backed, originating transactions through relationships with private equity firms executing acquisitions, recapitalizations, and growth financings. Its certainty-of-close mandate is specifically designed to compete with delayed bank syndications that can jeopardize sponsor deal timelines.

Credirati targets individual transaction sizes between $10 million and $75 million. This places the firm in the lower-to-core middle market, a niche it believes is structurally underserved as larger direct lenders have migrated upmarket to compete for billion-dollar unitranche deals.

Credirati operates as a direct lender and does not function as a fund-of-funds. It originates and structures loans directly to companies, holding the credit instruments on its own balance sheet and through its managed commingled vehicles and separately managed accounts for institutional LPs.

The firm runs a hybrid sourcing engine combining a proprietary direct origination network with secondary-market loan acquisitions. The direct channel is built on long-tenured sponsor relationships. The secondary capability provides a counter-cyclical deployment lever, allowing the firm to acquire seasoned loans from sellers facing liquidity pressure, market dislocation, or regulatory-driven balance-sheet exits.