Lightning Fast Data-Driven Lending solution for SME and Corporate.
We aim to Empower Businesses by being their partners in growth. In Pilot phase
Flexible Financing
Borrowing Range $500K to 5 million
Covenant and/or Asset Light Feature
Funding within 24 hrs. Approval in 17 hrs.
Fair Loan Pricing
Dynamic Origination Fee
Dynamic Interest Rate on BBSW (Rates from 9%)
5 min. Easy Application
features
A modern approach to lending that leverages data and technology.
Alternative Structure Group (ASG) is a data-driven lender dedicated to helping businesses access the financing they need to achieve their goals.
We understand that traditional banking institutions can be rigid and slow to adapt to the evolving financial landscape. This is why we offer a modern approach to lending that leverages the power of data & technology.
We aim to take a creative approach to business funding with flexibility in assessment and funding. However, we are also a strong believer in being prudent and transparent with our stakeholders and partners. We promote mutual dialogue in how we can help and solve the funding problem for your business.
Whether you’re looking for growth, specialty, or acquisition financing, looking to shore up your secure working capital, or a corporate client looking for direct lending; speak to one of our experts to explore your options with ASG.
SME Business Loans
Corporate Specialty Finance
How it works
Apply in less than 5 minutes, get approval in 17 hrs.
Get funded within 24 hrs, Launching Soon
- 01. Provide Information About Your Company
- 02. Submit Your Loan Application
- 03. Upload Your IDs
- 04. Connect Your Financials With A Click
Lending Criteria
We ensure lending with complete transparency and provide a genuine solution that will work in the best interest of our clients and investors.
ASG determines borrowing power on the following parameters. However, we are flexible where risk is mitigated by alternative metrics.
- DSCR – Debt Service Coverage Ration of approx. 1.20x +
- WCR – Working Capital Ratio 1.1x
- Approx. lending amount 2.0x to 2.5x+ of EBITDA
- ICR – Interest Coverage Ratio of 1.5x +
- Leverage 50% to 60%
We initiate our assessment based on the character of the management and the key individuals in the business. Then we consider the capacity and collateral.
We have developed our internal credit scoring model based on three major groups of criteria to assess the business’ credibility alongside the 5C’s.
- Business and Industry Risk Parameters
- Management Risk Parameters
- Financial Risk Parameters
With our more creative deals, we take a step further to carry out Advance Financial Risk Assessment (A-FRA) through our credit partner to ensure prudence.
This involves the accountant assessing the financials of the business to identify the key risk that may need further mitigation.
Overall, our credit assessment includes:
- 5C’s assessment
- Internal Scoring
- FRA and A-FRA
- Industry research
Interest Rates
Our rates start from 9%(inclusive of BBSW)