
What If Venture Debt And Traditional Lines of Credit Had a Baby…
But It Didn’t inherit Any Of The “Ugly” Parts?!
Capital By Entrepreneurs For Entrepreneurs.
We (INBE Capital LLC) provide unique capital solutions designed by entrepreneurs for entrepreneurs.
This includes (but is not limited to) debt facilities (loans), equity investments, alternative investment strategies, capital strategies, and capital advisory/management.
This page covers our most popular product. Our business debt facility, “BELOC 3.0” (Business Expansion Line Of Credit – Version 3).
An ideal facility for any/all business growth/expansion activities.
The advantage for the Borrower is that our Interest Rates are incredibly low.
The Lending Multiple is high.
And we remove the borrowers financial risk by insuring initial funds (providing protection).
The borrower gets all the benefits of a great capital solution WITHOUT taking any of the usual risks.
We also do NOT ask for PGs (Personal Guarantees).
We don’t charge early payout penalties.
And we DON’T assess or approve borrowing based on financials.
Our unique structure allows us to establish an acceptable risk profile.
But more importantly, gives the BEST possible terms to the borrower.
Yes, there’s borrowing costs.
And No, they’re not cheap!
BUT we challenge you to find better loan terms than ours. Especially in the current market/economic conditions!
We don’t “pool” capital from “Investors” as most Lenders do. Instead, we only lend out our own Capital.
And we don’t operate as (or anything like) a Conventional, Commercial, or Retail Lender.
The Backstory.

“Borrowing” had always been a “necessary evil” in our line of work.
Banks have been becoming more selective than ever for commercial lending.
Since they receive their funds from everyday depositors.
And none of us want our bank to take undue risks with our money, right?
That’s why there’s stringent governmental regulation on banks.
They make sure that certain company profiles get limited in how they can work with banks.
Since 2009 we’ve worked with many banks and well over a hundred private non-bank lenders.
The best private lending comes through capital markets, private investors, or hedge funds.
These lenders are far more aggressive and entrepreneurial than banks.
So we thought we’d found our “perfect partners”.
Becoming a “Capital Company” was the last thing on our minds!
Especially after so many years building strong relationships with other private lenders.
Seriously, Why would we?
Doesn’t seem like there’d be any need for it, does there?
As with most entrepreneurs, we tend to solve problems out of necessity rather than desire.
Which is exactly what happened in this case.
Long story short, we had many huge “let downs” by other lenders in some key M&A transactions.
The root of the problem was that we had no real control over the capital components of our deal.
Which was starting to put stains on our rock solid track record of successful deals.
We reached a tipping point.
So what turned out to be a relatively quick decision (in the scheme of things)…
Completely transformed our group’s trajectory…
We decided to liquidate our robust investment portfolio.
Then our group’s 3 founders, Craig, Jonathan, & Chris added to the pot.
Creating the first pool of reserves for the then newly formed INBE Capital LLC.

We also never intended for our loans to get offered to anyone outside of our group.
The goal was simply to have full control over all our processes.
And to provide our internal partners with more pathways to greater wealth.
Our first and second iterations of the “BELOC” product weren’t refined at all.
We did “whatever it took” grow our capabilities.
And frankly, the product wasn’t great.
“Bootstrapped” would have been the world’s greatest understatement!
We were slow to fund, taking well over 180 days to deliver initial tranches.
And the terms were nowhere near where they needed to be.
Lots of mistakes and failures along the way (lessons).
And certainly not the last of them!
But BELOC and INBE Capital have come a long way.
Now in its 3rd iteration, “BELOC 3.0” has grown into a more mature debt facility.
With greater capabilities (thanks to our refusal to quit or take “no’s” for answers).
And better terms for borrowers.
INBE Capital has no goal of ever becoming a “volume” lender.
First, we lend to our own group, for our own investments.
Then if reserves permit, we look at external applications.
We don’t seek to issue hundreds or thousands of loans for borrowers.
No, we selectively approve tens of loans a year for elite entrepreneurs only.
At our core, we look for partnerships.
We’re not interested in “one night stands”, only “marriages”.
So if you have a single project to take care of..
We won’t be the right partner for you.
Got a big pipeline of progressive projects? Then yeah, we can probably talk more.
We only play the long game.
Debt is one pathway (of many) that we use for sustained capital advantages.
And life-long, highly lucrative strategic partnerships.
No silver bullets.
No jamming square pegs into round holes.
This type of debt isn’t going to make sense for the average entrepreneur or operator.
But we’ve done our best to create a debt facility that makes sense for elite entrepreneurs & investors.
What Are Our Loans?
exactly like a banking line of credit or venture debt
But with none of the “ugly” parts!
All of our funding typically requires 25-35% of the loan value upfront.
In exchange for the slightly higher skin in the game:

– We don’t hinder borrowing capacity based on financials
– There’s no PGs
– We maintain our low fixed interest rates
– There’s a 2 year payment holiday at the start of the loan
– We never charge prepayment penalties
When you have a project where 25-35% cash is available upfront;
We’ll move swiftly through our 5 phase 14 step borrowing process.

How To Qualify.
We’re different from traditional & institutional lenders.
So our lending criteria is different.
We consider the entrepreneur and their team first and foremost.
Then, of course, we consider the usual stuff any lender would (the numbers).
Our review board utilizes an extensive assessment criteria made up of over 20 considerations per application.
Here’s 7 key components of our loan assessment criteria.