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The Challenge
Recently a co-founder of a private fintech, we will call him James, came to Rampart with a clear challenge. He held a large shareholding in his company and wanted to buy into a new issuance. But timing mattered. He needed cash within weeks, not months.
He is also the beneficiary of a family trust that pays steady annual dividends. The income stream was reliable but wasn’t available at the right time or in the right size.
What he needed wasn’t just capital – it was a partner to bridge the gap between income and opportunity.
Structuring the Loan
At Rampart, our role was to design a solution that aligned with his cash flow. We advanced a $3m loan using his shares in the business – a valuable SaaS platform with an all-in-one system, unique in its industry – as the primary security. That gave him the immediate liquidity required to purchase the new shares. The debt would be amortised over time using the dividends from the trust.
This structure solved two problems at once. It gave James the liquidity to act quickly in the share issuance, while ensuring the loan would naturally pay down in line with his income. No strain. No mismatch.
Beyond the Loan
But the real value went further. Because our founders have built and advised fintech businesses, we could speak his language and help him think beyond the transaction. Participation in the issuance was one step. The bigger prize was the growth potential of the fintech itself.
In our conversations, we explored different ways the business could deepen its value to customers via new embedded finance capabilities. That thinking wasn’t tied to the loan – it grew out of the partnership.
The Outcome
James secured his position in the issuance, expanded his shareholding, and did so on terms that worked with his personal cash flows. More importantly, he left with more than capital. He left with a stronger vision for his company’s growth.
Closing Thought
At Rampart, we see lending as more than capital – it’s a quiet partnership that helps clients act boldly when opportunity knocks. And when we can, we bring more than money to the table: we bring ideas for the future.
