Ralco is a relationship lender which works with banks and institutional capital to deliver you attractive debt terms.

We are a long term partner invested in your profitability and growth.

- We are a relationship lender with a long term focus.
- We adopt a progressive, solutions-orientated approach in each scenario.
- We target delivery of best available funding terms.
- We unpack your key drivers, whether economic and/or flexibility-driven.
- We assist banks by increasing balance sheet capacity and creating capital-efficient senior financing.
- Junior capital facilitates a lower-risk position held by the bank.
- This process results in lower funding costs for you.

- Infrastructure debt represents a core part of a bank’s offering to sponsor clients.
- Institutional capital sources have ear-marked substantial investment over the medium term.
- The public funding gap, decarbonization, digitalization and reshoring all support a significant growth trajectory.
- Bank lending into the sector is capital intensive which can restrict profitability.
- Private capital funds can struggle to satisfy their gross return requirements.
- Ralco effectively acts as a low-cost clearing partner between:
  (A) sponsors or banks seeking to increase balance sheet capacity, and
  (B) banks with lower credit risk appetite and efficient junior capital.

- Bank lending capacity has been impacted by higher interest rates, increased regulation and constrained balance sheets.
- Meanwhile private credit funds can find it challenging to offer competitive terms.
- These factors contribute to a sub-optimal market for borrowers.
- Ralco is embedded in traditional transaction flow, effectively acting as a low-cost clearing partner.
- Ralco uses senior secured and subordinated solutions that optimize capital usage by banks supported by junior capital.
- Ralco then provides sponsors with a single point of funding.
- Single-point access to senior bank funding and junior capital.
- Improved economic terms deliverable at scale.
- A relationship servicer with a solution-orientated focus.

RALCO