Credit
Flexible financing for stronger businesses
Our Approach
Disciplined Credit Investing
Our Credit platform provides flexible financing solutions across private credit markets, serving as a trusted partner for middle-market companies seeking capital for growth, acquisitions, and refinancing.
We focus on strong credit fundamentals, deep sector knowledge, and rigorous underwriting. Our team brings decades of experience evaluating credit risk across industries, enabling us to structure solutions that work for both borrowers and investors.
Borrowers turn to HMA for our ability to provide certainty of execution, flexible terms, and a partnership-oriented approach. We take the time to understand each company's unique situation and tailor our solutions accordingly.
Key Highlights
15+
Years Credit Experience
50+
Transactions Evaluated
Broad Market Coverage
We evaluate opportunities across industries and geographies to find the best risk-adjusted returns.
Financing Stronger Businesses
Our flexible solutions help finance stronger businesses in all market environments.
Downside Protection
We seek to generate attractive risk-adjusted returns with appropriate downside protection.
"We are patient, we are a solutions provider, and we are flexible in terms of where we can go in both yield and structure. Our focus is always on finding the right solution for each situation."
Asset Classes
Credit Capabilities
We invest across the credit spectrum, focusing on opportunities where our expertise and relationships provide a competitive advantage.
Direct Lending
Financing growth for middle-market companies
We provide senior secured loans directly to middle-market companies, offering flexible terms and certainty of execution. Our direct lending solutions support acquisitions, growth initiatives, refinancings, and recapitalizations.
- First Lien Senior Secured
- Unitranche Facilities
- Delayed Draw Term Loans
- Acquisition Financing
Asset-Backed Finance
Secured lending backed by tangible assets
We originate and finance asset-backed capital solutions secured by hard assets and financial assets. Our structured approach provides downside protection while generating attractive yields.
- Equipment Financing
- Receivables Financing
- Inventory Lending
- Real Estate-Backed Loans
Investment Strategies
How We Deploy Capital
Our credit strategies are designed to deliver consistent, risk-adjusted returns across market cycles.
Senior Secured
- First lien priority
- Strong covenant protections
- Established cash flows
- Downside protection focus
Opportunistic
- Dislocation opportunities
- Event-driven situations
- Higher yield potential
- Active management
Asset-Backed
- Hard asset collateral
- Financial asset security
- Structured protection
- Diversified exposure
Mezzanine
- Subordinated positions
- Enhanced yield
- Equity participation
- Partnership approach
Why HMA Credit
Our Competitive Advantage
What sets our credit platform apart from traditional lenders and other private credit providers.
Speed & Certainty
We move quickly and provide certainty of execution, enabling borrowers to close transactions on their timeline.
Flexible Structures
We tailor our solutions to each borrower's unique needs, offering creative structures that traditional lenders cannot provide.
Partnership Approach
We view ourselves as partners, not just lenders. We work collaboratively with management teams throughout our relationship.
Deep Expertise
Our team brings decades of experience across industries, enabling sophisticated analysis and informed decision-making.
Long-Term Focus
We take a patient approach, focusing on building lasting relationships rather than maximizing short-term returns.
Aligned Interests
We invest our own capital alongside our investors, ensuring our interests are fully aligned with all stakeholders.
Related Insights
Credit Perspectives
Market Outlook
Private Credit Opportunities in Today's Market
Exploring how current conditions are creating attractive entry points for disciplined credit investors.
Investment Insight
The Case for Direct Lending
Why middle-market direct lending continues to offer compelling risk-adjusted returns.
Risk Management
Credit Underwriting in Uncertain Times
How rigorous underwriting and portfolio construction help navigate market volatility.
Explore Credit Opportunities
Whether you're seeking financing for your business or looking to invest in private credit, we'd welcome the opportunity to discuss how we can work together.
Contact Us