About
A direct lender, holding its own paper.
Waltuc originates credit facilities for small and mid-sized businesses operating in the United States — unsecured, secured, asset-based, and structured — and holds them through the term.
Firm facts
- Facility range
- $200,000 to $10,000,000
- Term
- Out to 18 months
- Geography
- United States
The firm
What Waltuc does.
Waltuc is a private credit lender to operating businesses in the United States. We write facilities from $200,000 to $10,000,000, out to 18 months, against cash flow, against identified assets, against a borrowing base, or against a structure negotiated for the situation in front of us.
The businesses we lend to are the ones that run the operating economy: distributors, contractors, manufacturers, staffing firms, healthcare and professional practices, fleet and field service operators. They hold real assets, carry real payment cycles, and are frequently too small for the institutional market and too complicated for a scorecard.
We take submissions from owners directly and from independent sales organizations and brokers. Both reach the same desk. The person who reads a file is the person who will hold it, which keeps the underwriting honest and the answers direct.
Approach
How we work a file.
Four things hold across every product we write.
We underwrite the file
Every request is read by a person who works through the financials, the deposit behavior, the debt stack, and the assets available to secure a position. There is no scorecard standing between the business and the decision, and no intake tier between the submission and the underwriter.
We hold what we write
Facilities are originated to be held through the term. That shapes what we are willing to write: a structure that only works on paper is not one we want on the book, and a borrower we would not want to call in month nine is not one we lend to in month one.
Structure follows the business
Seasonality, customer concentration, prior positions, and uneven history are read on their facts. They shape security, amortization, and reporting rather than end the conversation. A facility funding a contract is not built like one funding a purchase.
We answer plainly
Files outside our parameters are declined with the reason. Files inside them come back with questions about structure. Terms are confirmed in writing before anything is signed, and specifics are never quoted casually.
Team
The people on the file.
Headshots and biographies are being prepared. The structure below is in place and will be filled with the credit and origination team.
- Headshot pending
Name
Title
Biography to follow.
- Headshot pending
Name
Title
Biography to follow.
- Headshot pending
Name
Title
Biography to follow.
- Headshot pending
Name
Title
Biography to follow.
Team size, titles, and the number of slots shown here are placeholders.
Offices
Bring us a file.
Owners and brokers use the same desk. Routing guidance sits on the contact page.
contact@waltuc.com