Our Network
We Are Selective. On Purpose
Not every borrower that approaches ActivePoint makes it onto our platform. Our network is built through a deliberate onboarding process — and maintained through ongoing monitoring that never stops.
Private credit only works if the borrowers behind it are the right borrowers. That means diversified revenue, hard asset collateral, institutional governance, and a demonstrated ability to service their obligations consistently — not just in good conditions, but across different business environments.
We built our borrower network with that standard in mind from day one.
Every company that seeks a credit facility through ActivePoint goes through a rigorous evaluation before any participant capital is involved. We look at revenue diversification, collateral quality and appraisal documentation, treasury management practices, operating history, and governance structure. Borrowers that don’t meet our criteria don’t get onto the platform — regardless of the return profile they’re offering.
The companies that do make it through that process are institutional-grade operating companies. They are not startups. They are not single-revenue businesses. They are diversified operators with established histories, independently appraised hard asset balance sheets, and the infrastructure to meet their credit obligations with consistency.
Once a borrower is on the platform, our monitoring doesn’t stop. We track collateral valuations, payment performance, and facility health on an ongoing basis. If something changes — if a collateral value shifts materially, if a payment is late, if anything falls outside normal parameters — our resolution framework activates immediately to protect participants.
This is the core of what we do. Not just connecting capital with borrowers — but making sure the right borrowers are on the platform in the first place, and that they stay that way.
Our Borrower Criteria.
Every borrower in our network is evaluated against the same consistent set of standards. Here is what we look for — and why each criterion matters to you as a lender.
Diversified Revenue Operations
We require borrowers to generate income across multiple independent revenue channels — not a single product, service, or market. This means that if one revenue stream underperforms in a given period, the others continue to service the facility. No single point of failure for your interest payments.
Hard Asset Collateral
Every facility must be backed by independently appraised tangible assets — real estate, mineral interests, or other hard holdings with verifiable market values. We do not accept revenue projections, brand value, or intangible assets as collateral. What backs your loan has to be something real, something appraised by a licensed independent appraiser, and something that can be liquidated if it ever comes to that.
Verified Operating History
We require an established, verifiable track record before any borrower accesses participant capital. Operating history is reviewed as part of our onboarding process and is a non-negotiable component of our criteria. New companies with no history do not participate in our network.
Institutional Governance
Borrowers must have formal treasury management policies, per-facility collateral independence, structured reporting frameworks, and seven-year record retention in place. These are not suggestions — they are requirements. The governance infrastructure has to be there before the first facility opens.
Ongoing Platform Monitoring
Onboarding is just the beginning. Once a borrower is active on our platform, we monitor collateral valuations, payment history, and facility performance on a continuous basis. Material changes in collateral value trigger immediate notification requirements. Payment issues trigger our structured resolution framework before any default can be declared.
A Note on Confidentiality
We do not publish the names of the borrowers in our network on this website. This is standard practice in private credit — counterparty confidentiality protects both the borrowers and the integrity of the facilities on our platform. Full counterparty information, including company identity, operating history, collateral documentation, and governance structure, is provided to every participant prior to signing any agreement.
You will know exactly who you are lending to before you commit a single dollar.