When financing doesn't exist, we structure it.
The Starks Structured Private Credit Programme designs and funds bespoke credit structures from our own balance sheet — facilities engineered around your assets, contracts and cash flows. Not a loan product with a rate card, but genuine structured finance: security architecture, repayment mechanics and instruments built transaction by transaction.
What We Structure
Cash-flow-linked facilities
Repayment profiles engineered to your actual receipts — contract milestones, offtake payments, seasonal collections — not rigid monthly amortisation.
Borrowing-base structures
Revolving facilities sized dynamically against eligible receivables, inventory or contracted revenues, with availability that grows as your book grows.
Asset-backed & hybrid structures
Credit secured on securities portfolios, equipment, real assets or a blend — including mezzanine and holdco structures layered above senior bank debt.
Trade-linked credit
Self-liquidating structures where repayment flows directly from the underlying trade — collections accounts, assigned receivables, controlled waterfalls.
SPV & ring-fenced structures
Where the deal warrants it, we structure through dedicated vehicles — isolating the financed assets and cash flows from wider group risk.
Restructuring & bridge solutions
Recapitalisation, refinancing and bridge structures for businesses in transition — designed around the path back to conventional funding.
How A Structure Comes Together
1. Deconstruct
We map your assets, contracts, cash flows and existing obligations — finding the financeable value conventional lenders overlook.
2. Engineer
We design the structure: instrument, security package, cash flow waterfall, covenants and repayment mechanics matched to how value actually moves through your business.
3. Fund
On completed due diligence and documentation, Starks commits and disburses the capital directly — with security perfected before drawdown.
4. Manage
Structures are living arrangements. We monitor performance through agreed reporting and adapt the structure as your business evolves.
Ready to get started?
Speak to our structured products team to discuss your specific requirements.
Product Specifications
| Facility size | Determined by the structure — scoped at appraisal following your enquiry |
| Tenor | 6 – 36 months |
| Instruments | Senior secured, mezzanine, unitranche, convertible and hybrid structures; term, revolving and bridge formats |
| Security architecture | Layered packages: fixed and floating charges, receivables assignment, collection account control, share pledges, SPV ring-fencing, guarantees |
| Repayment mechanics | Amortising, bullet, cash-sweep or waterfall-linked — engineered to the underlying cash flows |
| Pricing | Fixed or benchmark-linked, reflecting structure and risk; indicative terms on application |
| Borrower profile | Mid-market corporates with African operations, identifiable assets or contracted cash flows, and audited financials |
Eligibility
Established Corporates with: at least two years of audited financial statements; identifiable assets, contracts or recurring cash flows capable of supporting a structure; and a clear commercial purpose. If your financing need has been declined because it doesn't fit a standard credit product, that is usually where our work begins.
Frequently Asked Questions
Important: SPCP is positioned strictly as Starks structuring and lending from its own balance sheet to corporate borrowers. No indicative rates are published. Legal disclaimers apply per jurisdiction.
Let's structure it
Every Starks facility starts with a conversation about your actual flows — not a form. Speak to the structured products team directly.
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