SG Credit Partners

What SG Credit Partners does

SG Credit Partners is a privately held, Newport Beach-headquartered private credit platform founded in 2018 (tracing its operational roots to Super G Capital, established in 2013) that originates senior debt, asset-based revolving facilities, and cash-flow term loans for lower-middle-market businesses in the United States. The firm operates three dedicated verticals: Software + Technology (venture debt and growth financing for SaaS and recurring-revenue companies, $3-20M+ tickets), Consumer Products (working capital and debt financing for high-growth food & beverage, apparel, beauty, and consumer brands at $5-20M+), and Commercial Finance (asset-based revolvers and asset-backed/cash-flow term loans of $3-50M+ across generalist industries, including DIP financing). It serves founder-led and entrepreneur-owned companies that fall outside the scope of traditional banks, non-bank lenders, and larger funds due to regulatory, timing, funding, or size constraints.

The firm's "platform" consists of structured underwriting playbooks, vertical-specific origination teams, and flexible deal architecture rather than a technology product. Underwriting is relationship-driven, executed by Managing Directors and Directors with backgrounds at GE Capital, Wells Fargo, CIT, Cerberus, Houlihan Lokey, and Deutsche Bank, with deals typically closing within three weeks. The firm has national coverage through seven offices spanning Newport Beach, Santa Monica, Atlanta, Denver, Chicago, Washington D.C., and New York.

SG Credit Partners generates revenue primarily through net interest income on its loan portfolio and transaction fees from structuring asset-based facilities and term loans. The firm is family-office backed, recapitalized in 2019 by MidMark Financial Group, The Cynosure Group, and The 4612 Group with $100M+ of capital commitment, and received a $126M strategic investment from Kayne Anderson BDC in July 2025. Since inception, SG has financed over $750 million across 200+ borrowers, with over 100 transactions closed in the Software + Technology vertical alone, and acquired Stonegate Capital in 2021 to enter asset-based lending.

Name

SG Credit Partners

Legal name

SG Credit Partners, Inc.

Website

https://sgcreditpartners.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

SG Credit Partners is a private credit platform providing senior debt, asset-based revolvers, and cash-flow term loans ($3M-$50M+) to founder-led, lower-middle-market businesses across three verticals: Software + Technology, Consumer Products, and Commercial Finance.

Ownership category

akta.pro rank

Product category

Private Credit Lending

NAICS

Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Middle-Market Lending (FSANADAI)

akta.pro secondary industries

Venture Growth / Recurring Revenue Credit Funds (FSANAIAG), Venture Debt Providers (FSANAAAL), Direct Lending — Venture Debt (FSAHAJAD)

Keywords

• Lower middle market lending
• Private credit platform
• Venture debt financing
• Asset-based lending
• Structured credit solutions

Headquarters

HQ city

Los Angeles

HQ country

United States

HQ region

North America

Offices7 records

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 from Lending Operations: SG Credit Partners generates revenue primarily through interest income on its loan portfolio. As a private credit lender to the lower middle market, the firm provides debt financing (term loans, revolvers, asset-based facilities) and earns interest on outstanding balances. Loan sizes range from $3M to $50M+ with terms of 6-48 months across its three verticals.
2. Asset-Based Lending Fees: The Commercial Finance division generates fee income from structuring and administering asset-based revolving credit facilities and asset-backed/cash flow term loans to lower middle market businesses, including DIP (debtor-in-possession) financing.
3. Working Capital and Long-Term Debt Financing: Revenue generated from providing working capital revolving lines of credit and long-term debt facilities to high-growth consumer brands, structured to scale alongside borrower growth.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

SG Credit Partners is a private credit platform that provides tailored, non-dilutive debt financing to lower middle market businesses through three dedicated verticals: Software + Technology (venture debt and growth financing for SaaS and recurring revenue companies, $3M-$20M+), Consumer Products (working capital and term loans for high-growth consumer brands, $5M-$20M+), and Commercial Finance (asset-based revolvers and asset-backed/cash flow term loans, $3M-$50M+). Loan terms typically range from 6-48 months and most deals close within 3 weeks.

Product overview

SG Credit Partners operates as a broad credit platform for the lower middle market with three distinct product verticals: Software + Technology (venture debt and growth financing for SaaS and recurring revenue companies, $3-$20MM+), Consumer Products (working capital and debt financing for high-growth consumer brands, $5-$20MM+), and Commercial Finance (asset-based revolvers and asset-backed/cash flow term loans, $3-$50MM+). The platform was established in 2018 as a spin-out of Super G Capital and expanded through the 2021 acquisition of Stonegate Capital, rebranding to a unified platform in 2023.

Differentiator

Problem solved

Functional benefit

Brands

• Stonegate Capital: Asset-based lending platform acquired in 2021, now integrated into the unified SG platform
• SG Commercial Finance
• SG Software + Technology
• SG Consumer Products

Products and services

• Software + Technology Lending
• Consumer Products Lending
• Commercial Finance Lending

Quantifiable outcome

• Most deals close within 3 weeks (Software + Technology vertical)
• +5 more outcomes

Named customers20 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators8 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• WhiteHorse Capital: Private credit manager focused on lower middle market direct lending and asset-based lending. WhiteHorse competes with SG across both debt financing and asset-based revolvers to companies in similar size ranges.
• Capitala Group: Private investment firm providing lower middle market debt and equity capital to businesses and entrepreneurs. Capitala's direct lending strategy, fund structure, and lower middle market target make it a relevant peer for SG's institutional private credit model.
• Horizon Technology Finance: Specialty venture lender (HRZN) providing secured debt to development-stage and growth-stage technology and life science companies. It mirrors SG's venture debt orientation, with venture-backed SaaS borrowers and similar non-dilutive debt structures.
• TriplePoint Capital: Venture lending platform providing growth capital to venture-backed technology, consumer, and life sciences companies. TriplePoint competes head-to-head with SG's Software + Technology vertical and shares the same lower middle market, recurring-revenue borrower focus.
• Gibraltar Business Capital: Asset-based lender providing working capital solutions to small and middle market businesses. Several SG senior hires (e.g., Karen Szafraniec, Bill Drmacich) came from Gibraltar's commercial lending operations, making it the closest direct peer for the SG Commercial Finance vertical.
• Encina Capital Partners: Specialty lender providing asset-based revolving credit and term loans to U.S. middle market borrowers. Encina's ABL focus and target borrower size make it a close competitor in the asset-based lending vertical that SG Commercial Finance addresses.
• Praesidian Capital: Private investment firm providing senior debt and growth capital to lower middle market businesses. Praesidian's focus on $10M–$50M facilities for non-bank-eligible borrowers overlaps directly with SG's Commercial Finance and Consumer Products verticals.
• Stenn Capital: Alternative finance provider focused on cross-border trade and working capital finance for SMEs. While geographically broader, Stenn's product set (non-dilutive working capital for underserved borrowers) parallels SG's tailored credit model for companies outside traditional bank scope.
• Runway Growth Capital: Publicly traded (RWAY) venture and growth-stage lender focused on SaaS and recurring-revenue companies. Runway offers term loans of $10M–$100M+ to growth-stage technology businesses, directly overlapping SG's Software + Technology vertical by loan size, customer profile, and non-dilutive structure.

Broad incumbents

• Wells Fargo Capital Finance: Large bank-affiliated asset-based and cash flow lender. Wells Fargo competes with SG in the same middle market ABL space but operates at much larger scale and broader industry coverage, often stepping in for borrowers that exceed SG's facility size capacity.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/sg-credit-partners

Revenue estimate

Valuation estimate

Number of profiles

Profiles26 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments9 records

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

Frequently asked questions about SG Credit Partners