Three sectors. Specialist depth in each.
Elephant focuses on three asset classes where we have established lender relationships, sector knowledge, and execution scars. We don't try to be a full-service shop — we try to be the firm you call when one of these is what you need.
We deliver capital across the stack — credit for sponsors who need certainty of execution, structured partnerships that bring institutional balance sheets to qualified deals, and selective equity co-investment alongside developers we believe in.
Real Estate Credit
We originate and structure real estate credit across multiple lending strategies, including construction, bridge, and transitional financing. Our credit strategies combine institutional underwriting discipline with the responsiveness developers and sponsors need to execute on time and on budget.
Structured Partnerships
By partnering with banks, funds, and family offices, we structure joint investments and participations across senior, mezzanine, and preferred equity positions. These partnerships expand funding access for qualified sponsors while offering investors scalable, risk-adjusted exposure to high-quality U.S. real estate assets.
Equity Investments
Beyond credit, we co-invest alongside experienced developers in select ground-up and value-add projects. Our equity capital is patient, alignment-driven, and focused on creating long-term value through thoughtful structuring, execution, and market insight.
We structure debt for businesses that finance themselves on their balance sheet. Whether the collateral is auto receivables, leases, inventory, or commercial trade exposures, we know who lends against it — and we size facilities that grow with the platform and refinance up the capital stack as it scales.
Auto Loan & Leasing
We arrange warehouse facilities, residual financing, floorplan inventory lines, whole-loan execution, and forward-flow buyer relationships for auto originators, dealers, and lessors across prime, near-prime, and subprime credit. Our network spans regional and community banks, private credit funds, and specialty-finance buyers active across the auto-asset spectrum.
Inventory & Receivables Financing
Operators in powersports, equipment, distribution, and consumer goods come to us for asset-based facilities secured by inventory or trade receivables. Each facility is sized to grow with the business and refinanced up the capital stack as the platform matures.
Operating Credit Lines
Revolving working capital and term ABL — secured by receivables, equipment, or inventory — give asset-rich operators the running room they need. Each facility is structured to align with cash-flow cycles and refinanced as the collateral base scales.
Consumer unsecured is its own discipline — bank lenders price it differently, and the buyer universe for forward flow and whole loan is narrower than people think. We know who is active, at what credit box, and on what terms.
Warehouse for Unsecured
We structure senior and mezzanine warehouse facilities for personal-loan originators — including BNPL, near-prime installment, and prime consolidation lenders. Facilities are sized for emerging platforms, scaled for growth, and built to refinance into more efficient capital as the platform matures.
Forward Flow
Forward-flow programs run between originators and capital partners — banks, private-credit funds, family offices, and specialty-finance buyers — on aligned credit boxes. The result is predictable distribution for originators and consistent supply on the capital side.
Whole-Loan Sales
Portfolio managers come to us for one-off and seasoned-loan sales — clean exits to recycle capital, harvest gains, or rebalance holdings. Our buyer network covers the full credit spectrum, with pricing benchmarks across both fresh and seasoned tape.