FAQ: working with us

Caldrion Private Credit is the lending pillar of Caldrion, a single family office in New York. Caldrion invests only its own capital, has no outside investors or clients and does not offer securities.

We provide first-lien, senior secured loans backed by real and financial assets, originated, held and serviced on Caldrion’s own balance sheet with permanent capital. See lending from permanent capital.

No. A fund manages capital raised from outside investors and must return it on a schedule. Caldrion is a single family office that lends its own permanent capital. There is no investment period to meet and no fixed fund life to answer to.

Use the form on our contact page. Tell us about the borrower, the collateral, the amount, what the loan is for, the path to repayment and the timeline. Share a link to non-confidential materials (teaser, deck or data room); we sign NDAs promptly when there is mutual interest.

How to request a loan explains what a complete request looks like.

Our published checklist is:

• A link to an executive summary or deal memo.
• A link to the schedule of collateral (real estate, receivables, inventory).
• A link to the borrower or sponsor bio and track record.
• A link to the sources and uses of funds.

Collateral-specific essentials, such as a rent roll or a receivables aging, are covered in how to request a loan.

No. Our forms take links, not uploads. Share a link to a data room or document folder. If your materials are confidential, send a non-confidential summary first and we will move to an NDA if there is mutual interest.

We read every submission and aim to reply within a few business days of receiving a complete package, whether or not we proceed. A complete package is one that lets us form a view: the borrower, the collateral, sources and uses, the plan and the path to repayment.

Decisions are made by a small internal investment committee that meets weekly. We need no outside approvals and no fundraising to close. You deal directly with the people who decide.

Our process has six steps: submit, initial review, feedback, term sheet, diligence and documentation, and funding and servicing. From term sheet to funding walks through each in detail.

It depends on the collateral and the deal. A loan against a stabilized asset with recent third-party reports can move faster than a construction completion loan that needs a budget review, or an asset-based facility that needs a field exam before the first advance.

We tell you early what the critical path looks like. If you have a hard deadline, such as a maturing loan, say so at the outset; we will be honest about whether we can meet it.

Yes. Brokers are protected. We respect mandates and protect buy-side and debt brokers on introduced transactions, and we keep you informed as the request moves forward. Tell us about the mandate when you submit, so it is recorded from the start. See working with Caldrion.

No. We lend Caldrion’s own permanent capital and hold each loan on our balance sheet, so we never need to sell down a position to close. We do not originate to sell down or distribute.

We do. The team that underwrites the loan is the team that services it, so you will not be passed to a stranger after closing. See from term sheet to funding for what servicing and reporting involve.

Talk to us early. Because we lend our own permanent capital, we can evaluate an amendment or extension on its merits rather than against a calendar. Candor in both directions is the best protection either side has. See defaults, forbearance and restructuring.

Our transaction case studies describe closed loans under project code names, with terms as of closing. Twelve loans: the common thread compares them.

The usual reasons are that the position is not senior, the leverage is too high, the collateral is hard to value or realize, the exit depends on a single outcome or the request is outside our published criteria. None is a judgment on the borrower. We would rather say no early than leave you waiting.