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GDA Group

Debt Capital · Capability guide

Private credit for technology companies

Debt for companies whose growth outpaces the templates of conventional lenders — structured against what the business actually owns and earns.

What it is

Direct lending and structured facilities for growth-stage technology companies: businesses with real revenue and real assets that banks nonetheless decline, because contracted SaaS revenue, data assets, or tokenized collateral do not fit a standard credit template. The firm structures around the asset reality rather than forcing the business into a form.

When it applies

Growth funding without further dilution. Bridge and pre-listing facilities. Recapitalizations where the capital structure no longer fits the business. And asset-backed facilities secured against receivables, contracted revenue, or collateral classes — including tokenized ones — that conventional lenders are not yet equipped to value.

How GDA executes

Structure precedes price: the firm designs the facility — seniority, covenants, collateral, amortization — around the borrower's actual cash-flow timing before it prices it. Where conviction warrants, GDA holds paper on its own balance sheet; where scale requires, it syndicates to its institutional lender network. Administration continues through the life of the facility: monitoring, covenants, and amendments handled by the team that structured it.

What to ask any lender

Whether they hold or only arrange — alignment differs. How they value your specific collateral, especially if part of it is unconventional. And what an amendment costs when the plan changes, because the plan changes.

In brief

What is private credit for technology companies?

Direct, bilaterally negotiated debt for growth-stage technology businesses, structured around contracted revenue and asset quality rather than standard bank templates.

Can digital assets serve as loan collateral?

Increasingly, yes — with custody, valuation, and liquidation mechanics designed into the facility. GDA structures against tokenized collateral where the asset quality supports it.

Does GDA lend from its own balance sheet?

Where conviction warrants it, yes — and syndicates to institutional lenders where scale requires.

Discuss this capability with the desk.

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Related on this site

Debt Capital — the businessSector: TechnologySector: Financial Services & FintechGlossary: Private creditGlossary: Structured creditGlossary: Convertible instrumentGlossary: RecapitalizationGlossary: MezzanineAll capability guidesToken financing advisoryDigital asset M&A advisoryPublic market entry — IPO, RTO, and listings

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