Specialty Finance
Structured capital for nontraditional businesses
Specialty finance is built for businesses whose industries, asset types, or business models require a financing structure that a conventional credit product cannot provide. We work with businesses across a wide range of industries, including healthcare, litigation, and financial companies that need capital to fund their operations. In each case, we structure custom facilities built around how the business actually operates.
Facilities typically range from $1M to $50M, with terms up to 36 months.
Who Specialty Finance Supports
Healthcare Providers and Medical Staffing
Medical groups, healthcare providers, and medical staffing firms generate consistent receivables but face reimbursement timelines, Medicare and Medicaid cycles, and insurance adjudication complexity that standard lenders do not know how to underwrite. We structure facilities around the actual collection dynamics of healthcare receivables rather than a generic borrowing base formula.
Litigation and Legal Finance
Law firms managing contingency practices, litigation finance companies, and legal funding platforms hold real value that does not appear on a balance sheet in a way traditional lenders can evaluate. We work with firms and platforms in this space to structure capital against case portfolios, contingency fee streams, and legal claim portfolios.
Transitional Real Estate and Bridge Financing
Commercial real estate projects in transition, including lease-up, repositioning, or time-sensitive acquisitions, often fall outside conventional bank underwriting timelines and requirements. Bridge and transitional financing structures are designed for those realities, providing capital aligned with the operational and timing needs of the asset rather than a fully stabilized end state.
Financial Companies and Originators
Factoring firms, revenue-based lenders, merchant cash advance platforms, and specialty originators need capital to fund the financing they provide to their own clients. We arrange lender finance facilities and structures that allow credit platforms to leverage their performing portfolios and grow their books.
Nontraditional Borrowers Companies that do not fit standard credit criteria due to industry, structure, or collateral type. If your business generates real value that conventional lenders consistently misunderstand or undervalue, specialty finance is likely the right conversation to have.
How to get started with Specialty Finance?
You can do it yourself
- Start the application process by completing the specialty finance online application and submitting your portfolio summary and recent financial statements.
- The application is easy and without commitment.
Or, we can assist
- Complete our contact form and select Application Assistance in the Inquiry Type, and a representative will call you promptly. i95 Capital assists you every step of the way.
Either way, after receiving your completed financing application, we will promptly review the information and the documents you included and submit the file for prompt processing.
Flexible terms to maximize your opportunity
Amount
$1M to $50M
Agreement Term
Up to 3 years
Advance Rate
Custom to your assets and cash flow
Structures we support
Every facility we arrange is built around the specific asset type, cash flow mechanics, and operational model of the borrower. For healthcare and litigation borrowers, that means financing structured around how receivables are actually generated and collected in that industry rather than around a generic eligibility formula. For financial companies and credit platforms, that typically means a lender finance facility.
We work with clients to build custom facilities around specific cash flow triggers, portfolio eligibility criteria, and servicing arrangements unique to the borrower’s business model. Purpose-built solutions designed around your assets, your underwriting, and your operational reality.
If you operate a non-traditional business that needs leverage, liquidity, or capital to grow, contact us and we will help structure the right solution.
