for projects seeking from $100M to $5B or more (no UPPER limit)
financing solutions tailored to project’s unique needs
PRIME LOCATIONS: USA, CANADA, AUSTRALIA & UK
FINANCE PRODUCTS:
Our private debt lender provides non-recourse or limited recourse private debt financing tailored for large-scale projects—from infrastructure and renewable energy to real estate and hotel resorts. These flexible solutions adapt to your project’s unique needs, offering either single-product facilities or hybrid structures that combine multiple phases, including: project finance, acquisition loans or construction and development financing.
Project Finance:
- Structured Project Finance: a flexible, structured solution for capital-intensive projects from $100 million to $5 billion+
- Non-recourse or limited recourse
- $100M+ minimum to $5B+ (no upper cap)
- Based on IRR, scalability, and cash flows
- Requires 10–20% Cash Collateral (not used, pledged and held as security)
- Draws aligned with milestones
- Private lender takes a first lien on the project /assets and a pledge in the SPV
- Terms up to 30 years
Acquisition Loans:
- For strategic acquisitions of existing assets, sites, or platforms that qualify under private lender’s underwriting model
- Typically structured as part of an integrated project finance facility
- Project floor: $100 million minimum (no upper limit)
- Available for real estate, energy assets, or corporate rollups
- Assessed case-by-case within the lender’s project-centric framework
Construction to Permanent Loans:
- Construction and Development Financing for the design-build phase of eligible projects
- Can be part of a hybrid structure (e.g. acquisition → construction → stabilization)
- Up to 30-year terms; $100M minimum
- Always milestone-tied, with full project oversight and capital control
- Permanent Loans available only for projects originally financed by the private lender through a senior loan
Trade Programs:
- Exclusive structured trade programs for Accredited and Sophisticated Investors with verified financial instruments (cash, commodities, or paper)
- Operated through four Tier 1 Desks in London, New York, and Singapore
- Entry from $1M, with no upper limit
- Bullet Trades available from $100M; lower amounts may be accepted when desk liquidity needs arise
Bullion Dealing:
- Facilitation of secure transactions in gold and other precious metals, focusing on verified, authentic trades
- Transactions require direct access to seller or official mandate to complete due diligence
- Investor confidentiality and fraud mitigation are top priorities to ensure clean, credible execution
Asset Monetization:
- Available exclusively to asset owners seeking to unlock liquidity from held assets.
- Designed to convert dormant value into usable capital
- Applicable to qualifying hard or paper assets
- Inquiries must come directly from the owner or authorized representative
TYPES OF PROJECTS FINANCED:
Infrastructure & Large-Scale Development
Smart Cities; Airports; Marine Ports; Highways & Roads; Bridges; Water & Waste Management Infrastructure (Desalination Plants, Water Treatment, Waste Management & Recycling Plants)
Hospitality & Tourism Development
Hotels & Resorts (Large-Scale Hotels, Luxury Resorts & Branded Residences); Luxury Villas & Branded Residences (High-End, Exclusive Properties in Prime Locations); Integrated Tourism Developments (Master-Planned Tourism Hubs With Multiple Components: Hotels, Entertainment, Retail, Marinas, Theme Parks, Casinos); Convention Centers & Business Tourism (Large Venues Designed for Global Conferences, Exhibitions & Corporate Events)
Construction Finance (Standalone Large-Scale Construction Projects)
Commercial Real Estate (Office Towers, Business Parks, Retail Complexes, Industrial Facilities); Residential Real Estate (Luxury Developments, Large-Scale Housing Communities, Condo Towers, Gated Communities); Tower Blocks (High-Rises & Skyscrapers); Mixed-Use Developments; Multifamily Housing & Apartment Complexes; Senior Care Facilities (Retirement Communities, Assisted Living, Nursing Homes, Memory Care Centers)
Renewable Energy & Clean Technology
Hydropower Plants; Solar Farms; Wind Farms; Geothermal Power Plants; Energy Storage; Battery Storage Facilities & Grid Modernization; Hybrid Energy Systems
Natural Resources & Energy
Mining Projects (Gold, Copper, Lithium, Rare Earth Elements, Coal, etc.); Oil & Gas Exploration & Production (Upstream, Midstream, Downstream Operations); Liquefied Natural Gas (LNG) & LPG Facilities (Processing, Storage, Distribution); Pipelines & Transport Infrastructure (Oil, Gas, Hydrogen, CO₂ Capture Pipelines); Alternative Fuels & Clean Energy Transition (Biofuels, Hydrogen, Carbon Capture, Synthetic Fuels)
Industrial & Technological Development
Industrial & Manufacturing Facilities (Refineries, Factories, Processing Plants, Industrial Parks); Telecommunications & Technology (5G Infrastructure, Fiber Optic Networks, Satellites); Data Centers & Cloud Infrastructure (Large-Scale Server Facilities, AI & Web3 Hosting Centers)
LENDER PROCESS:
Please review this section thoroughly before submitting projects. We strictly adhere to our Lenders’ procedures, which are non-negotiable. Proceed only if you can comply and are comfortable with this process.
Each finance inquiry undergoes the 7 Stage Project Financing Process:
- Initial Project Assessment:
- Evaluation of project eligibility via our Initial Project Assessment Form.
- Documents you are advised to provide for review:
- Project details in the form of an Executive Summary, Project Teaser, or Pitch Deck.
- Feasibility Studies and Appraisals (where available)
- Details of Collateral (investment-grade; a proof of collateral will be required should lenders decide to engage with the project)
- Long-term Contracts or Offtake Agreements (where available)
- Please be aware that preliminary due diligence will be conducted on the Project, Project Principals and Project Sponsors.
- Pre-Underwriting: Preliminary review of the project based on initial submission details.
- Underwriting: In-depth examination of project documents and associated parties via the Virtual Data Room (VDR), including but not limited to the Team’s CVs and experience, Proforma/IRR, Construction/Project Budget & Draw Schedule, Sources & Uses, Site Control Status, and any available Feasibility Studies. Lender applies its proprietary Underwriting Predictive Model (UPM) to assess each project’s viability, risk profile, and alignment with funding thresholds.
- Final Underwriting: Issuance of a term sheet following deeper evaluation and additional document requests.
- Contract Stage: Loan agreements are finalized after thorough risk management.
- Closing: Client transfers collateral per instructions, triggering lender responsibilities.
- Post Closing: Funds are disbursed in a structured draw schedule aligned with project milestones. Repayment follows per loan terms. Collateral is secured via a pledge in the SPV and a first lien on the project.
Many projects fail to launch after being declined by traditional financial institutions. Turning to the private lending market often means navigating a maze of intermediaries, secrecy, and inefficiencies, requiring countless hours of networking, emails, and calls.
We solve this problem by providing project owners and sponsors direct access to Private Debt Lenders, bypassing unnecessary barriers once a project passes our initial project assessment and is deemed eligible.
Our approach simplifies the initial project assessment into a single form, saving project owners time and effort while enabling lenders to quickly determine if they can support your project
Lenders assess financing eligibility by reviewing the Initial Project Assessment form alongside essential documents such as the Executive Summary, Feasibility Studies or Team Experience. This pre-underwriting step is designed to be brief and efficient.
When a project meets the lending criteria, we guide you through the next steps, ensuring a smooth transition to underwriting and beyond.
Please note that all projects must include 10–20% Cash Collateral in USD/EUR/CHF, from a primary bank to pass the Initial Project Assessment. Collateral is not used for the project but pledged as security. Inquiries without collateral details will not be processed.
FAQs:
What is project finance?
Project finance involves funding public services, industrial projects, and long-term infrastructure through a non-recourse or limited recourse financial structure. This method typically combines equity and debt, with repayment coming from the project’s generated cash flow.
A key advantage of project financing is its off-balance-sheet nature, ensuring no impact on the credit of shareholders or government contracting authorities. It also transfers risk to the lenders, who may receive higher margins as a result.
Project finance is also commonly applied in sectors like mining, oil and gas, construction, and building projects. Ordinarily, the finance is composed of debt. The capital stack determines the hierarchy of different financing sources. Senior and subordinated debts are classified according to their position in a business’ capital stack.
What is collateral?
Collateral is an asset that serves as security for project finance loans provided by the lenders. Collateral is an item of value that is utilized to secure the project financing, which is essentially the loan.
Each project may have different forms of collateral, and the lenders may accept various collateral forms to fund.
The purpose of collateral is to protect the lender, and it serves as a form of security in case of default by the project or borrower. In the event of default, the lender can seize the collateral to recover its losses. Collateral adds validation to the project and increases the chances of its success while minimizing the lender’s risk.
What is cash collateral?
Cash Collateral refers to cash or cash-equivalent assets (such as highly liquid securities) that are set aside or pledged as security for a financial obligation. This arrangement ensures that the party receiving the collateral has access to funds if the other party fails to meet its obligations. It is commonly used to reduce credit risk by providing an accessible form of compensation in case of default.
In financing, borrowers may pledge cash collateral to secure loans or credit facilities, and in project finance, it can serve as a guarantee for performance, payment obligations, or as part of escrow arrangements. In trading, cash collateral ensures the performance of contracts, particularly in derivatives or securities lending, where it might be required as margin.
It is typically held in a separate account, such as an escrow or designated collateral account, and may earn interest depending on the terms. Governed by agreements like loan documents or International Swaps and Derivatives Association (ISDA) agreements, cash collateral is considered a low-risk security measure due to the liquidity and stability of the assets involved.
How does collateral work?
Before providing finance, the lenders need to ensure that the project can repay the loan and safeguard the lender’s interests. Collateral is required as a form of security to protect the lender’s financing.
In situations where there are no initial assets, such as during the construction phase of a project, temporary collateral may be utilized to ensure that the borrower meets its financial obligations until the project is completed. This guarantees that the project will be able to repay the loan and protects the lender’s investment.
Collateral can come in various forms depending on the nature of the project finance loan. A commercial property mortgage, for instance, may require collateral in the form of the property itself. In some cases, institutional credit may be used as security, provided by a credit-worthy co-signer or borrower with a credit rating from Moody’s, S&P, or Fitch.
For project finance loans, collateral typically includes the pledge of interest in the credit-worthy borrowing group, as well as all the assets associated with the project.
Do you offer project financing globally?
Yes, we can facilitate project financing globally, focusing on US-friendly countries but capable of financing projects anywhere provided that the project is a prime investment grade project and the location is not under international sanctions by the USA, UK, or Canada.
To be considered a prime investment grade, a project must have bankable investment-grade collateral and a rating of AAA or AA from Moody’s, S&P, or Fitch.
Priority is given to projects in Prime Locations such as the USA, Canada, the UK, and Western Europe due to their established economic stability and favorable investment conditions.
The countries where the projects are located should also have investment-grade status and pose low risks for anti-money laundering (AML).
All other locations/regions with verifiable sound economics can also be considered subject to meeting the above criteria.
What types of projects do you fund?
Our Lenders fund capital projects. Please view the ‘Types of Projects Financed’ section on this page for details.
What are the minimum and maximum amounts for project financing?
We facilitate financing for projects starting from $100 million to over $5 billion, with no maximum limit.
Can you finance projects without equity?
Generally, lenders require Collateral to be up to 20% of the Project Expenditure (CAPEX) on average (subject to terms).
Lenders allow the Borrower and/or Sponsor to source Collateral however they are able: i.e. Borrower and/or Sponsor own capital, Equity, or Joint Venture partner, Bridge Lender.
If utilizing a Bridge Lender or Investor to Finance Collateral, the Borrower and Sponsor can debt-service the bridge loan through the loan proceeds. Simply include any debt-service disbursements to the Sponsor in the Project draw schedule. This allows the Borrower to buy out and pay off the bridge lender or investor with the loan proceeds at any point in the Project draw schedule.
100% financing might be facilitated in certain cases via equity shareholding structures or helping projects secure collateral from operators.
Please review Project Eligibility Requirements and Acceptable Collateral Forms on the application page before submitting an inquiry.
What collateral is required for project finance?
A project must have collateral. Collateral must be bankable, investment-grade, and equivalent to at least 20% of project CAPEX.
A project itself may not be used as collateral.
Acceptable Forms of Collateral for Project Finance are: Cash, Bank Guarantees (major banks only), Commercial Real Estate (CRE), Corporate Guarantees, Credit Enhancements, Debt Instruments (e.g., corporate bonds, US treasuries, municipal bonds, etc.), Future Contracts, Insurance Guarantees, Investment Portfolio (traded securities, bonds, commodities, cash, etc.), Letters of Credit (investment grade), Sovereign Guarantees.
Note: instruments, such as bonds, submitted as collateral must be actively TRADING instruments in recognized markets to ensure their liquidity and current market value.
Please review our Project Eligibility Criteria and Acceptable Collateral Forms on the application page.
Please be aware that the acceptance of your collateral is entirely at the discretion of the Lenders.
Can we use our project as collateral?
No, a project itself may not be used as collateral.
Each project must have collateral that is bankable, investment-grade, and equivalent to at least 20% of project CAPEX. Please review the Acceptable Collateral Forms on the application page.
Please note that the acceptance of your collateral is entirely at the discretion of the Lenders.
Are there upfront fees?
No, our compensation is through a success fee after your project secures finance.
It should be noted that our financiers are not traditional banking institutions but include our flagship Private Debt Lenders, private financial institutions, institutional funds, and family offices that offer alternative finance solutions.
Applicants seeking debt financing are expected to cover all due diligence expenses, such as professional reports, legal fees, and financial structuring. These costs are not charged by AltFin or our Lenders, but by the companies that provide such services that have upfront fees. The costs arise upon project approval, particularly when a term sheet is issued, and can vary based on the project’s complexity and credit risk. To recap, although there are no initial fees, these structuring costs are applicable only if the project receives financing approval.
What about the project costs?
Project costs can be paid through Loan Proceeds, including soft costs, hard costs, closing costs, loan interest, bridge loans, and previously paid project capital expenditures (with approval from Lenders).
What loan terms do you offer? What are the interest rates for private money lending?
Our lenders offer flexible loan types: from single-product project finance, construction-to-permanent loan or other loan type combinations.
Interest rates for private money lending typically range from 6-10.5% of the capital stack , depending on factors like project industry, risk level, collateral, and market conditions.
Terms are flexible. Currently, it averages 20-30 years, but is scalable and can be lowered to suit Project needs.
When will funds be available?
The funds will become available according to the agreed Schedule / Construction Phase Drawdown. Currently, the first tranche can be available in as short as 30-45 working days after completion of the transfer deposit of the Collateral.
In some rare instances when the project requires larger tranche disbursements, the availability of the first tranche can take longer than the previously stated period.
What types of clients do you work with?
We work direct to projects and lenders. We work with project owners who are ready to take action and have the necessary capital for both the loan structuring and their project investments. Ideal clients have strong project and management teams and are committed to the lending process, ensuring timely submission of documents and active involvement in securing their project’s financing. Your collaboration is essential for us to effectively meet your financing needs.
Can we schedule a call?
Calls are scheduled only after a project successfully passes the Initial Project Assessment stage. This initial step is essential to ensure that each project we consider aligns with our Lenders’ criteria.
Once a project clears this preliminary phase, indicating its potential viability for financing, we then proceed to the next stages of communication and further assessment by the Lenders’ Underwriting Team, facilitating you with a direct communication channel with the Lenders.
Please be aware that our Lenders have a rigorous 8-Stage Project Financing Process, with which you must comply. Our lenders operate a unique financing platform with specific processes and financial modeling that cannot be modified. Following Lenders’ processes closely will result in a streamlined and efficient lending process, and is not negotiable and we will not make any exceptions. Borrowers expecting this standard process will be modified for them may be best to explore other financing sources that align better with their approach.
How do I submit my project for review?
All initial financing inquiries must be submitted via www.altfin.net/apply with complete project and collateral details.
How long does the Initial Project Assessment take?
The Initial Project Assessment is expected to take about 3 to 5 working days, subject to our current workload. If your project does not meet the Lenders’ criteria, we will promptly notify you of the decline after the initial review. If your project aligns with the Lenders’ criteria based on the information you have submitted, we will inform you of the next steps.
Can you sign my NDA?
No, we do not sign external NDAs due to the high volume of finance requests we receive. However, all information is treated as private and confidential at all times.
Once we determine that a project is eligible for financing, we may ask project owners to sign our standard Non-Circumvention, Non-Disclosure Agreement (NCNDA) before moving forward with financing discussions.
This standard process is a prerequisite for working with us. If it does not align with your needs, we suggest looking for a service that better fits your requirements. Compliance with our Lenders’ operational protocols is mandatory.
I have an issue with your Project Intake Process. Can you make make an exception for me?
No, exceptions or deviations to our Project Intake Process are not permitted. Compliance with our project intake process and our Lenders’ operational protocols is non-negotiable and mandatory.
Please review our Lenders’ 8-Stage Project Lending Process, which you must follow. Our Lenders operate a unique private finacing platform with specific processes and financial models that cannot be modified. Adhering to these protocols ensures a streamlined and efficient lending process.
Compliance with our project intake process is a prerequisite for working with us, and if it does not align with your needs, we recommend considering alternative services.
How are you different from other lenders or brokers?
Our strength lies in connecting Project Owners directly to Private Capital. We provide you with direct access to lenders and project finance that is typically inaccessible on the open market. There are no daisy chains, and no intermediaries.
Our associated private debt lenders specialize in large-scale and complex projects, and are adept at managing complex financial transactions that are often beyond the reach of traditional banking, with the capability to offer up to 100% finance against adequate collateral.
Do you work with introducers, intermediaries or brokers?
No, we do not work with introducers, intermediaries or brokers unless they are professional entities retained and mandated by project owners to represent the project. This is because our model is designed for direct engagement with project owners and lenders, and thus we do not involve ourselves in other entities’ operations or fees.
If you are retained and mandated by the project principals or project sponsors, you are welcome to submit the project details via the application form. Please note that charging double fees is not permissible. Should our Lenders decide to engage with the project, we will require your letter of authorisation or mandate. If you would like us to review your client’s project eligibility for finance, you must follow our process as described on this page.
Inquires from individuals or entities that do not meet the above criteria will not be processed.
If I submit a project on behalf of a client, how are my broker fees protected?
Any broker fees you have negotiated with your client can be written into the final financing agreement by the lender. This is standard industry practice and ensures your fees are contractually secured.
Do you have a referral program?
No, we do not have any referral program, as our business model is designed for direct engagement with projects and lenders only.
Can you reveal your lenders?
We work closely with Private Financial Institutions, Family Offices, and Private Equity Firms, acting as gatekeepers in the financing process. Our role is to streamline the influx of proposals, presenting only those that are viable and well-prepared to our lenders.
This approach ensures that our lenders can focus on financing activities rather than handling the high volume of inquiries we receive. Once the Lenders’ Pre-Underwriting Team has reviewed and confirmed your project is proceedable we can move on to the next steps, and reveal our Lenders’ identity.
In some cases, our Lenders may choose to interact through their legal representatives for further privacy.
Can you provide references for past transactions?
Due to confidentiality agreements, we cannot disclose specific details of past transactions. Each transaction we handle is confidential and protected by these agreements. We do not use client information to attract new business.
It is important to note that our private lenders and investors, who often operate through asset managers, hedge funds, or wealth managers with unique investment structures, also adhere to strict confidentiality. Any violation of these agreements could lead to significant consequences for both investors and lenders.
However, with Lenders’ permission, we present you below with two examples of recently funded projects.
EXAMPLES OF PROJECTS FUNDED:
Our Lenders have collaborated with some of the biggest infrastructure project construction companies worldwide and teamed up with reputable Private Equity investment groups and trusted Asset Monetizers.
Through these partnerships, it can be possible to aid in obtaining collateral either from or via our trusted partners, or the partners themselves may become part of a project. However, it is important to note that the quality of the project will determine if it will be possible to assist with project financing.
innovative finance
$600 Million Green Resort Development
The resort project needs $600 million in financing, but its $160 million valued land cannot be collateral due to liquidity issues. Lender can help by monetizing the land for a bridging loan or remortgage, usable as collateral.
Additionally, Lender can bring a hotel operator that may offer about $50 million upfront, also serving as collateral.
creative finance
$1.4 Billion Port in South America
Lender has structured a proposal for a $1.4 billion port project in South America, where the project owner’s contribution is limited to $5 million. An innovative financing solution, involving collaboration with port operators.
This approach could potentially enable the project owners to secure 100% of the project financing, ensuring full financing for the project if approved.