The 5C Credit Difference
5^C Credit offers Secured Loans ranging from $250,000 to $3 million with interest rates typically starting at 10% and maturities up to 3 years with weekly straight line amortization. Our secured loans require a blanket lien on all assets except real estate. We are happy to work with an existing lender and structure loans in which an existing lender has real estate as direct collateral and we have a lien on all other assets. While we require that owners have personal credit scores in excess of 700, depending on your industry, business history and collateral coverage, we may not require a personal guaranty.
5^C Credit offers Unsecured Loans ranging from $250,000 to $2 million with interest rates typically starting at 12% and maturities up to 2 years with weekly straight line amortization. Our Unsecured Loans require a owners' personal guarantees and owners' personal credit scores in excess of 800.
Meet The Team
Steven S. Kerr, CFA, FRM
Steve is a Founding Partner of 5^C Credit Partners, LLC where he leads our Credit Risk Management and Operations efforts. Prior to founding 5C Credit, Steve was previously Head of US Credit Risk Management at Scotiabank where he was responsible for creating and implementing a credit risk management process consistent with US regulatory requirements. Steve has also led many of Scotiabank’s US industry teams and the restructuring team.
Steve has substantial experience with PD/LGD analytics and risk rating model development. Steve was the primary contact with The Federal Reserve Bank pertaining to US credit risk.
Steve graduated from the University of California, Irvine with BA degrees in Political Science and Theater andfrom Boston College with a MS in Finance. Steve has also earned his CFA and FRM designations.
Kam is a Founding Member of 5^C Credit Partners, LLC where he leads our partnership development and marketing efforts. As a former CEO of a SME business Kam understands the needs of America's business owners, their vendors and their customers. Through his years as a lender and as a business owner Kam has developed long-term relationships with local lenders, accountants, attorneys and many other professionals who are key partners of SME owners.
In addition to leading leverage finance transaction teams for 15 years, Kam also ran a venture capital fund that invested in early-stage media and telecommunications companies in New York and Texas.
Subsequent to his time in venture capital, Kam formed a company that acquired the operating assets of two high-technology manufacturing entities which he has consolidated and grown as the CEO for the last 12 years.
Meet The Advisory Board