75% Loan-to-Cost (LTC) Financing
We offer 75% Loan-to-Cost (LTC) Senior Debt. Uniquely, 100% of the total project costs are advanced, eliminating the need for sponsor construction equity deployment upfront.
Mandatory Readiness & Metrics
Project must have a Binding Offtake Agreement (PPA), a minimum 1.2x DSCR potential, and an Appraisal showing 120% or more of the total project cost.
True Non-Recourse Debt
The liability for the debt rests exclusively with the project's SPV. No personal guarantees are required from principals, providing essential protection for your corporate balance sheet.
The Equity Balloon Requirement (25%)
The client secures 25% of the total cost in cash equity, which is placed in a non-interest-bearing Custodial Account. This acts as high-quality collateral that is shielded from construction risk.
$50 Million USD Minimum Project Size
This program targets large-scale, viable projects only. Projects must demonstrate a minimum total project cost of $50M USD to be considered for submission.
Fixed, Competitive Interest-Only Rate
Lock in predictable costs immediately with a fixed interest-only rate on the debt portion. The funds advanced against the equity reserve carry 0% interest.
Senior Debt Financing Phases
Phase 1:
Client submits core documents: Financial Model and initial Feasibility Study. We pre-screen to ensure the $50M minimum cost and 1.2x DSCR potential are met. The lender issues a Letter of Intent (LOI). Upon acceptance, the due diligence phase formally begins.
Phase 2:
Client provides all third-party reports, including the Appraisal (120%+ value) and Market Studies. You must finalize the binding Offtake Agreement (PPA). Once verified, the lender issues the Rate and Term Sheet.
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Phase 3:
The sponsor must secure all final permits and confirm all Devex is funded. Critically, the secured 25% Equity Balloon must be deposited into the non-interest-bearing Custodial Account. The loan is then formally closed.
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Phase 4:
Construction starts with oversight by a Cost Consultant. Funds are disbursed monthly, with invoicing provided in arrears. The client benefits from quarterly interest-only payments for the first four years, converting to a 25-year fixed-rate permanent note.
The American Business Capital Advantage
When seeking $50 Million+ Project Capital, you need a partner who offers solutions beyond conventional banking. We serve as your expert Project Finance Broker, providing direct access to a sophisticated private funding source with a highly competitive debt program.
Our core proposition is the Equity Balloon Model, a paradigm shift that eliminates administrative and construction risk for developers and equity partners. We offer 75% LTC Senior Debt while advancing 100% of project costs against the secured equity guarantee.
This structure provides critical advantages:
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True Non-Recourse Debt: The loan is purely project-based, resting solely with the SPV. No personal guarantees are required from principals.
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Accelerated Construction: Our unique draw mechanics eliminate administrative stops, meaning you never have to stop building to make draw requests.
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De-Risked Equity: Your equity is secured in a custodial account, shielded from construction risk, and not deployed until the project is stable.
We are not a traditional bank—we are your direct conduit to flexible, high-leverage institutional capital. Our priority is a streamlined closing that moves your shovel-ready project from commitment to funding quickly.
Initiate Project Review & Receive Full Program Overview
Please submit your details below. We will contact you with the complete Program Overview document detailing Due Diligence Requirements, the unique Equity Balloon Model, and the full operational mechanics of our financing program.
American Business Capital | Project Finance Brokerage
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Disclaimer: The information presented describes a unique project finance program administered by a licensed securities firm. American Business Capital acts exclusively as a broker. All transactions are subject to final underwriting by the lender and compliance with FCA/SEC regulations.