Mitsubishi HC Capital America Expands Private Credit Offerings

Mitsubishi HC Capital America has strengthened its presence in the private credit market with the strategic hiring of Ricardo Nunes.

This decision fits with the company's plan to grow in private credit by providing customized financing options for mid-sized businesses in areas like business services, manufacturing, and healthcare.

Ricardo Nunes' Background

Nunes joins Mitsubishi HC Capital America from Bank of Ireland's Leveraged Finance Group, where he led origination and underwriting efforts. His extensive background includes leadership roles at Fortress Credit Corporation and GE Commercial Financial Services.

Role at Mitsubishi HC Capital America

Nunes will leverage his experience and relationships with private equity sponsors to drive growth and expand lending capabilities. His addition reinforces the company's ability to structure and execute complex credit solutions.

Mitsubishi HC Capital America's Position

As the largest non-bank, non-captive finance provider in North America with $7.5 billion in owned and managed assets, the company is committed to delivering tailored financing solutions that address the evolving needs of middle-market businesses and private equity sponsors.

Loan Products and Terms

Mitsubishi HC Capital America offers a variety of loan products tailored to middle-market businesses, including private credit solutions for growth, acquisitions, and recapitalizations across sectors such as:

• Business services

• Manufacturing

• Healthcare

The company offers flexible, customized financing solutions based on the borrower's needs and credit profile, though specific terms and rates are not public.

Underwriting Criteria

Mitsubishi HC Capital America differentiates itself from traditional banks by offering more flexible financing options and a consultative approach. The company focuses on building long-term relationships with clients and providing complex credit solutions that may not be available through traditional banking channels.

Their approval process probably includes a detailed review of the borrower's financial situation, place in the industry, and potential for growth, using experts like Ricardo Nunes to handle complicated credit arrangements.

Deal Flow Generation and PE Sponsor Targeting

Mitsubishi HC Capital America generates deal flow by leveraging relationships with private equity sponsors and middle-market businesses. The addition of Ricardo Nunes, with his background in working with top private equity firms, is strategic in enhancing these relationships and expanding lending capabilities. The company targets PE sponsors by offering tailored financing solutions that meet the evolving needs of their portfolio companies.

Tech Stack and Digital Capabilities

Mitsubishi HC Capital America has enhanced its digital capabilities through its Propel platform, which offers eNotary functionality, automated power of attorney, and e-documents to streamline the financing process. This digital transformation aims to provide a seamless experience for vendors and partners, allowing them to manage transactions efficiently.

Performance Metrics and Portfolio Quality

While specific performance metrics such as default rates or portfolio yields are not provided, Mitsubishi HC Capital America is noted for its robust asset quality and risk management practices.

The company's parent, Mitsubishi HC Capital Inc., has reported strong financial performance with a high ROA and ROE, indicating effective management of its portfolio. The company's commitment to the United Nations Sustainable Development Goals also reflects its focus on responsible lending practices.

Overall, Mitsubishi HC Capital America's competitive edge lies in its ability to offer customized financing solutions, leverage digital technology for efficiency, and build strong relationships with private equity sponsors and middle-market businesses.

Beyond Banks Podcast: Mobilization Funding's Customized Cash Flow Mapping

Main Important Keypoints for Alternative Business Lenders

1. Unique Cash Flow Challenges in Construction: Unlike businesses with daily receipts, contractors face 45-70 day payment delays while still funding upfront costs (payroll, materials, equipment).

2. Traditional Banking Gap: Banks systematically avoid lending to project-based businesses due to perceived risk and lack of understanding of the construction industry's cash flow cycles.

3. Project-Based Lending Model: Successful alternative lending in this space requires structuring loans around specific contracts/POs rather than general business lending.

4. Active Lender Involvement: The white-glove treatment approach ("partner without equity") provides tools, analysis, and guidance beyond just capital.

5. Staying in Your Lane: Lenders must understand the specific industry dynamics they're funding to avoid devastating principal losses.

Headlines You Don’t Want to Miss

Cantor Leads a New Boom in Lending to Debt-Hungry Crypto Firms

Cantor Fitzgerald is spearheading a resurgence in crypto lending by launching a $2 billion Bitcoin lending business, marking a significant return of traditional financial institutions to the sector. This move follows the collapse of major crypto lenders like Celsius and BlockFi during the 2022 market downturn. Other firms, such as Blockstream and Xapo, are also re-entering the market with new lending initiatives, signaling a shift towards more institutional and risk-managed lending practices.

Experian Assistant Wins 2025 FinTech Breakthrough Award for Analytics Innovation

Experian Assistant has won the 2025 FinTech Breakthrough Award for Analytics Innovation, recognizing its innovative role in reshaping the FinTech industry. This AI-powered tool accelerates the data-modeling lifecycle, enabling financial institutions to reduce model-development times from months to days or even hours, and provides 24/7 analytics and modeling expertise integrated with the Experian Ascend Platform.

Pennsylvania Bank Fraud Scheme: 24 Charged

Pennsylvania law enforcement has charged 24 individuals in connection with a large-scale bank fraud scheme that stole over $3 million from financial institutions and their customers. The scheme targeted residents in Cumberland, Dauphin, and York counties.