What Pasadena Private Lending does

Pasadena Private Lending (PPL) is a Pasadena, California-based non-bank private credit lender founded in August 2018 that originates senior secured business loans to lower middle-market companies (typically $1-5MM EBITDA) nationwide. The firm operates as the lending arm of Pasadena Private Financial Group, a multi-family office, and funds itself primarily through capital from entrepreneurs and institutional credit partners rather than consumer deposits. PPL deploys its proprietary Owner-Guaranteed Business Loan framework, which evaluates repayment capacity across multiple dimensions — future cash flows, working capital assets, real estate, and personal/family guarantor wealth — and requires meaningful personal guarantees from owners holding 25%+ equity.

PPL's product surface centers on the $2-25MM Owner-Guaranteed Business Loan, supplemented by purpose-specific variants (acquisition, growth, recapitalization, owner-payment, special-situations) and a revolving line of credit capacity of up to 20% of total commitment. Loan terms are floating-rate, priced at 4-6% over US Prime with 1-5 year maturities and 2-10 year amortization windows, plus 1-2% origination fees. Funding timelines average 10-14 business days, materially faster than bank alternatives, and the firm maintains a zero-loss record across its entire lending history.

The go-to-market combines a direct sales team of former bankers with a national referral network of wealth managers, family offices, CPAs, regional banks and deal brokers. By mid-2026 PPL had surpassed $500M in cumulative loan originations serving 80+ borrowers across 40+ industries and 20+ states, supported by $450MM+ in committed capital from partners including East West Bank, KeyBank, SLR Capital Partners and Eagle Point Credit Management. Revenue is generated through interest spread, origination fees shared with introducing brokers, and ancillary services offered through affiliated Pasadena Private Financial Group entities.

Name

Pasadena Private Lending

Legal name

Pasadena Private Lending Inc.

Website

https://pasadenaprivatelending.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Pasadena Private Lending is a Pasadena, California-based non-bank private credit lender, founded in 2018, that originates $2-25 million Owner-Guaranteed senior secured business loans to lower middle-market, entrepreneur-owned companies across the United States.

Ownership category

akta.pro rank

Headquarters

HQ city

Pasadena

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: PPL generates primary revenue through interest charged on senior secured business loans ranging from $2 million to $25 million. Loans carry floating interest rates with margins of 4%-6% over US Prime Rate, making revenue sensitive to interest rate environments.
2. Loan Origination Fees: PPL charges loan origination fees of 1%-2% on funded loans. Up to 20% of commitments can be structured as revolving lines of credit. The firm splits origination fees with introducing brokers.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Pasadena Private Lending is a non-bank direct private lender that provides senior secured business loans ranging from $2 million to $25 million to entrepreneur-owned lower middle-market companies. Its flagship product, the Owner-Guaranteed Business Loan, requires personal guarantees from 25%+ owners and evaluates multiple sources of repayment including future cash flows, working capital assets, real estate, and personal or family wealth. Loan structures include floating rates (4%-6% over US Prime), 1-5 year maturities, 2-10 year payment schedules, and optional revolving credit up to 20% of commitment.

Product overview

Pasadena Private Lending (PPL) operates as a non-bank direct private lender focused on the lower middle market, offering a single unified product line anchored by the Owner-Guaranteed Business Loan. This core product provides senior secured business loans ranging from $2 million to $25 million to entrepreneur-owned businesses, structured with floating interest rates (4%-6% over US Prime Rate), 1-5 year maturity terms, and 2-10 year payment schedules. The Owner-Guaranteed Business Loan is supplemented by purpose-specific loan types including Acquisition Loans, Growth Loans, Recapitalization Loans, Owner Payment Loans, Special Situations Lending, and a Revolving Line of Credit (capped at 20% of overall commitment). Additionally, PPL publishes a monthly Private Credit Insights Newsletter as an educational and engagement resource. The firm's model evaluates multiple repayment sources — future cash flows, working capital assets, real estate, and personal guarantor wealth — rather than relying on a single credit lens.

Differentiator

Problem solved

Functional benefit

Products and services

• Owner-Guaranteed Business Loan The firm's flagship senior secured business loan providing $2 million to $25 million to entrepreneur-owned lower middle-market companies. The structure requires personal guarantees from 25%+ owners and evaluates multiple sources of repayment including future cash flows, working capital assets, real estate, and personal or family wealth.
• Acquisition Loans Senior secured loans used to fund the purchase of another business or cover significant capital expenditures for business acquisitions.
• Growth Loans Senior secured loans for fueling business growth including inventory, equipment, marketing, expansion, new facilities, and product development.
• Recapitalization Loans Loans designed to align a borrower's balance sheet, professionalize their financial picture, enable acquisitions, or enhance the sales price of a business.
• Owner Payment Loans Loans enabling business owners to buy out a partner, fund dividends, or achieve other personal liquidity objectives without dilution or change of control.
• Special Situations Lending Customized lending solutions tailored to unique borrower circumstances that fall outside standard loan structures, addressing complex or non-traditional financing needs.
• Revolving Line of Credit A revolving credit facility structured as part of the overall lending commitment, allowing borrowers flexible access to capital up to 20% of the total commitment amount.

Quantifiable outcome

• $500+ million in total loans originated since 2018
• +7 more outcomes

Named customers16 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Pasadena Private Financial GroupcoreOthersPPL is the lending arm of Pasadena Private Financial Group, a boutique multi-family office. The group comprises six primary lines of business including portfolio management, commercial lending, retirement solutions, mergers & acquisitions, real estate, and venture capital.

Scale indicators16 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pplending

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds3 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pasadena Private Lending