Hey everyone,
Had a quick question for you--do you know of any banks that provide interest-only loans? My fund allows me to co-invest on any deals that I choose, but I'd like to amplify the returns with debt.
Best,
KHC
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I’ve got a lender that not only does interest only - so not amort. But also will do personal loans like this with PIK and no recourse. Usually 5/6x what you can prove your highest income of the last 3 years was. Since it’s not recourse you can also combine with like your parent’s / friend’s income if you put them on the LLC. Lmk I can DM you with more details
Curious. Very cool.
I have also been trying to find banks to do this. Would really appreciate some more info
This sounds like exactly what I'm looking for! I'd appreciate a DM--can't seem to click on your name and send one (downsides of not being Gen Z I guess)
Sounds shady af... that's usually not how this works. No recourse, interest only, 5-6x leveraged loan?
I've been looking for something just like this. Would really appreciate info.
Interested.
Following.
Interested in learning more, but 5-6x highest income of the last 3 years, non-recourse, PIK IO... sounds like the kind of paper that comes with usurious rates and broken legs if you miss a payment
Lol what payment, that shit is PIK, baby!
Following. please DM me details as well
Interested, would like to learn more
also interested, thank you
Can you dm details?
Interested
I’m interested also. Thanks!
Can you please DM details?
Thanks!
I think it might have been SVB. I had reached out to her last year and that’s what she had kinda quasi-suggested
You can get a personal line of credit from First Republic - although funds are not supposed to be used for these type of investments. But money is fungible... (e.g.., I'm going to take my x of savings and put it into co-invest, and then use line of credit for living expenses).
The one caution I'd make is that anything other than fund lines specifically designed to match the maturity of your PE investments (e.g., auto paydown) is risky because there is a timing mis-match. It can take many, many years (if at all) for the PE investment to pay out (some capital realistically will never be returned) while your fund lines have a certain amort / maturity schedule (usually a few years).
Why do you sign off every post with KHC, is this standard practice to sign off every correspondence at Bain with your acronym?
Not Bain, they already have such a line available for their staff.
Does Bain let analysts co-invest or is that restricted to higher levels
What do you tell first republic you are using the lines for ?
Cash flow purposes/timing (tax, etc.). Anyone can PM me and I can provide the contact I use at First Republic (currently at a MF and 4 of my associate friends also got approved)...just have to open up a savings account there and you have options of putting 10% or 20% of the LoC into the savings account to get to ~2.5-2.75% interest only for first two years then amortize down over next 5-10 years (I chose 5 for best rates).
would PM but you're private
Do you plan on writing off the interest on taxes as an investment expense?
Posting under my username so people can PM me on First Republic LoC contact. Feel free to.
Interested, thank you!
First republic denied me for not have 1:1 cash in my account. Any other options?
Bank of Dad
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