Our Difference
Alloy was formed to break new ground in financing businesses operating in Mexico and the Americas.
We founded Alloy to provide growth capital in the form of structured credit to middle-market enterprises, asset-light businesses, and financial institutions based in Mexico, as well as regional companies with cross-border operations in Mexico. We saw an imbalance in the market as traditional commercial banks and lenders were unwilling to lend to such companies with increasing capital requirements.
Alloy is a cashflow or asset-back lender to successful and well-managed companies. In each credit, we assess a company’s debt capacity, based on its current and potential ability to generate incremental cash flow. We partner with companies to achieve their transformational objectives.
We have a unique funding model that is built around our perpetual capital and is augmented by private investment funds.
We hold a significant portion and, in some cases, the totality of the loans we fund on our balance sheet, demonstrating our commitment and alignment of interest in every transaction. This enables us to have flexibility and makes us a reliable and long-term partner for growing businesses that seek a committed credit provider. Our capital base has also permitted us to create credit structures that are otherwise considered not available in the marketplace.
Our loans are tailored for each client and situation, offering repayment terms typically of up to five years, with grace periods on principal, customized amortization schedules, and variable interest rates.
Together, our team brings over 30 years of experience in private investment in Mexico, the US, and Latin America.
Alloy has a driven and collaborative culture, built by a team with deep and seasoned expertise and diverse perspectives. We have been at the forefront of creating a private debt market in Mexico specializing in enterprise loans and private securitizations.
Alloy's value-add surpasses a traditional lender
Offering loans that enable growth without equity dilution to owners
Clients maintain control of their business without the pressure to commit to a business sale in the future.
Assessing clients based on their ability to generate cash flow
We extend credit based on each client’s existing cash flow generation and the management team's demonstrated capabilities to expand the cash flow.
For businesses that extend credit, we can analyze asset portfolios and structure custom-made private securitizations.
Supporting our clients beyond the provision of credit to achieve their full potential
Alloy’s team has operational and investment experience that provides additional support in areas such as corporate governance practices and institutionalization processes.
Alloy also helps clients improve data analytics and financial reporting, recruit key staff, and rigorously analyze capital projects to optimize cash flow.
Providing customized and flexible solutions that catalyze growth plans
We provide management teams time to implement their business plan and solidify their free cash flow before beginning the repayment of the loan.
Ensuring an agile response to credit needs (best in market time to funding)
Unlike traditional financial institutions, we have an efficient process that enables us to respond quickly to meet the needs of our clients.