Aspen places commercial transactions across five lending programs. Below by purpose, by structure, and by sector.
What We Fund
By purpose
Working capital
Operating liquidity, inventory, payroll cycles, and seasonal draw.
Business acquisition
Whole-company purchase, partner buy-out, and mergers and acquisitions.
Equipment finance
Acquisition of revenue-producing equipment, new or used, financed or leased.
Real estate acquisition
Owner-occupied and investment property purchase.
Renovation and expansion
Build-out, capacity addition, and repositioning of an existing facility.
New construction
Ground-up development, including larger multi-phase projects.
Land acquisition and development
Site purchase and horizontal improvement.
By structure
Bridge
Short-term financing against a defined exit: a sale, a refinance, or a permanent facility already in process.
Asset-based
Lending priced to collateral and speed rather than cash flow, for transactions a conventional credit box cannot reach in the time available.
DSCR
Qualification on the property’s income rather than the borrower’s personal returns.
Equipment finance
Term debt or lease secured by the equipment itself.
Construction
Draw-based facilities with inspection and disbursement controls, including larger projects requiring multiple participants.
Conventional term
Standard bank and non-bank commercial credit.
SBA and USDA
Government-guaranteed structures where the terms justify the process.
By sector
Healthcare and medical
Practices, clinics, dental, veterinary, and specialty care.
Hospitality and restaurants
Hotels, flagged and independent, and single-site through multi-unit food service.
Fuel and convenience
Gas stations, travel centers, and convenience retail.
Franchise
New-unit development, resale, and multi-unit portfolio growth.
Energy development
Generation, distribution, and energy infrastructure projects.
Multi-family and mixed-use
Residential and combined-use property acquisition and development.