Introducing AZ2 - AI for Private Credit
Glass towers in a New York financial district at golden hour
Capital solutions

The right structure. Not just a rate.

Our senior advisory team evaluates debt capacity, security and repayment risk, then runs a competitive lender process for the structure your business needs.

$2M–$500M

Facility range

US entity required

Coverage

Financing structures

Capital with a clear purpose.

Each structure solves a different financing need. Explore where it fits, what lenders assess and the terms to compare.

01

Senior secured

Refinancing, acquisitions and expansion for businesses with established repayment capacity.

Credit considerations & key terms
What lenders assess
Sustainable EBITDA, cash conversion, leverage, interest coverage and collateral recovery.
Terms to compare
Amortization, covenant headroom, cash sweeps, security and prepayment flexibility.
02

Unitranche

Acquisitions or growth requiring a single financing package rather than separate debt tranches.

Credit considerations & key terms
What lenders assess
Downside cash flow, enterprise value, debt capacity and sponsor or shareholder support.
Terms to compare
All-in pricing, permitted acquisitions, incremental debt baskets and covenant flexibility.
03

Asset-based lending

Working-capital needs driven by receivables, inventory or seasonal cash cycles.

Credit considerations & key terms
What lenders assess
Asset eligibility, debtor concentration, dilution, aging and inventory realizability.
Terms to compare
Advance rates, reserves, reporting obligations, borrowing-base tests and liquidity triggers.
04

Venture debt

Extending runway or financing expansion where institutional backing and a credible repayment path exist.

Credit considerations & key terms
What lenders assess
Cash runway, recurring revenue quality, burn, investor support and future funding requirements.
Terms to compare
Interest-only periods, draw conditions, maturity, warrants and liquidity covenants. Equity-linked terms may apply.
05

Mezzanine

Bridging a financing gap for acquisitions, recapitalizations or growth beyond senior debt capacity.

Credit considerations & key terms
What lenders assess
Enterprise-value cushion, total leverage, exit or refinancing options and senior debt restrictions.
Terms to compare
Cash versus payment-in-kind interest, subordination, intercreditor terms and any equity participation.
06

Revenue-based financing

Funding customer acquisition or expansion where revenue visibility supports variable repayments.

Credit considerations & key terms
What lenders assess
Revenue consistency, gross margin, churn, customer concentration and cash-flow sensitivity.
Terms to compare
Revenue share, repayment caps, minimum payments and effective cost under different growth scenarios.

Structures are subject to lender approval, due diligence and documentation. Not all facilities are suitable for every business; pricing and equity-linked terms vary.

Project & development financing

From development to delivery.

For infrastructure and capital-intensive projects, financing must align with construction milestones, operating cash flows and the risks at each stage.

Establish bankability

Evaluate site control, permits, power access, construction budgets, counterparties and contracted revenues.

Match debt to milestones

Consider development, construction and term financing with staged draws, contingencies and repayment aligned to completion.

Assess risk allocation

Review completion support, sponsor equity, covenants, reserves, security and the path to long-term refinancing.

Advisory discipline

Compare the full picture.

Debt capacity

We model base and downside cash flows to evaluate how much debt the business can service, not simply how much a lender offers.

True financing cost

We normalize interest, fees, amortization and prepayment provisions so proposals can be compared on an equivalent basis.

Flexibility after closing

We assess covenants, reporting, permitted investments and future funding needs before terms become binding.

Case studies

Financing real businesses.

John Lin
John Lin

Chairman

AI data center

AI infrastructure · Arizona

Financing
Project and development financing
Equity issued
None
“Insight Funders understood the scale and complexity of an AI data center build from day one. Their team put the right capital partners in front of us, kept the process moving.”
Financing details
The financing
Development financing for a large-scale AI data center campus.
Connor McCarthy
Connor McCarthy

CEO & Co-Founder

Rize Education

Education technology · Post-Series B

Financing
Non-dilutive growth facility
Equity issued
None
“The process was transparent and efficient, with no hidden fees or surprises — it saved our CFO a lot of headaches.”
Financing details
The financing
Scale delivery after a Series B without returning to the cap table, on a timetable set by the next enrolment cycle.
What we did
We built the credit file from live ledger and bank data, sized a facility the contracted revenue base could carry, and ran a competitive process across lenders active in recurring-revenue education businesses.
The outcome
Multiple lenders came back with terms inside the same window, normalised to a common all-in cost so the CFO could choose on economics rather than on who replied first.
Sheridan Clayborne
Sheridan Clayborne

CEO & Co-Founder

Lendtable

Consumer fintech · Growth stage

Financing
Flexible working capital
Equity issued
None
“They provided flexible capital to support our growth, and they have become our go-to debt partner for future rounds.”
Financing details
The financing
Fund working capital ahead of demand without running six lender conversations in parallel from a standing start.
What we did
One package, one diligence pass, one point of contact. Offers were pulled into a single comparison — pricing, fees, amortisation and covenants side by side.
The outcome
The raise closed with a flexible facility sized to growth, and Insight Funders was retained as the standing debt partner for subsequent rounds.

Client experiences are specific to these mandates. Past results are no guarantee of future outcomes. Terms depend on the borrower’s financial profile and lender appetite.

Find your business financing.

Raise capital

Free to receive and compare offers. Success fee payable when you accept a lender’s term sheet.