Private debt
An alternative to bank credit
Private debt funds lend directly to companies, with case-by-case analysis: cash flows, assets, outlook, management quality. They operate on amounts, maturities and profiles that banks find hard to handle.
The cost is generally higher than bank credit, in return for more flexibility: bullet repayment, grace periods, tailored covenants, speed of execution.
When it fits
Growth
Funding a growth plan, an acquisition or a major investment.
Ownership transition
Supporting a transfer of ownership or a capital reorganisation.
Refinancing
Replacing or supplementing a saturated or withdrawing bank pool.
Special situations
Turnaround, continuation plan, company in transition.
Asset-backed
Funding backed by identified assets: real estate, equipment, inventory, receivables.
Unitranche and mezzanine
A single tranche or subordinated debt, depending on the need and the balance sheet.
Our approach
Assessment
Need, timing, assets and existing commitments: we measure what can be financed and on what terms.
Funder file
A clear file, prepared once, in the format specialist funders expect.
Targeted approach
We approach the funders that fit your situation, without broad circulation.
Set-up and follow-up
Terms, security, documentation, timing: we follow the set-up through to first drawdown.
Youllsee advises and does not lend: we prepare your file and present it to the right funders, alongside your bank partners.
Frequently asked questions
From what amount?
Funds generally start at a few hundred thousand euros, depending on the company’s profile and the nature of the need.
Does private debt replace the banks?
Not necessarily. It often comes alongside banks, with an intercreditor agreement on ranking and security.
Do I have to open my capital?
No, this is debt. Some structures include a performance-linked component, to be negotiated.
How long does it take?
Allow in general a few weeks to a few months between a complete file and drawdown, depending on complexity.
Is private debt right for your project?
A first 30-minute call with our team, confidential and with no commitment.