Sustainable Income Capital Management

What Sustainable Income Capital Management does

Sustainable Income Capital Management, LLC is a Brooklyn, USA-based private specialty finance firm founded in 2016. It operates as a special opportunities fund focused on private credit and stable, long-term cash-flowing assets, providing senior secured loans, second lien loans, mezzanine loans, and other debt instruments with equity-like features. Transaction types span factoring, growth capital, recapitalization, refinancing, acquisition financing, and occasional venture debt, with investment sizes typically ranging from $100,000 to $5 million and tenors of one to ten years.

The firm serves two distinct customer segments. On the supply side, it lends to small and lower-middle-market US businesses (typically under $20 million in revenue and $5 million in EBITDA) that face restricted access to traditional bank financing following post-crisis regulatory retrenchment. On the demand side, it raises capital from qualified investors via private placements offered through a private placement memorandum, emphasizing structural protections (contracted cash flow, performance guarantee, excess cash flow, over-collateralization) and a "partnership" model that layers advice and operating support onto the credit itself.

The team is lean (1-10 employees) and principal-led by veterans of Deutsche Bank, DB Zwirn, Lehman Brothers, Auriga Holdings, The Winter Group, and Cerberus Capital Management, among others. Sustainable Income generates revenue through interest income on its loan portfolio and, implicitly, fund-level management and incentive fees on capital deployed from its investor base. No proprietary technology platform has been disclosed; origination relies on the partners' established sourcing networks and direct outreach.

Name

Sustainable Income Capital Management

Legal name

Sustainable Income Capital Management, LLC

Website

https://www.sustainable-income.com/

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Sustainable Income Capital Management is a Brooklyn-based private credit fund founded in 2016 that originates senior secured and structured loans of $100K to $5M for small and lower-middle-market US businesses, raising capital via private placements from qualified investors.

Ownership category

akta.pro rank

Product category

Private Credit / Specialty Finance

NAICS

Other Investment Pools and Funds (5259), Other Financial Investment Activities (5239)

SIC

Miscellaneous Business Credit Institution (6159), Investors, Nec (6799)

akta.pro primary industry

Sustainable Private Markets (Impact PE/VC, Private Credit, Infrastructure) (FSAAALAG)

akta.pro secondary industries

SME Term Loans & Growth Capital (FSAKAGAB), Mezzanine / Subordinated Debt (FSANADAC), Independent Venture Debt Funds / Platforms (FSANAIAB)

Keywords

• Private credit lending
• Specialty finance
• Senior secured loans
• Mezzanine financing
• Middle market lending

Headquarters

HQ city

Brooklyn

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Interest Income from Private Credit Investments: The firm generates returns through interest payments on private loans made to borrowers. As a senior secured lender (with ability for second lien and unsecured positions), they earn contracted cash flows from loan portfolios spanning factoring, growth capital, recapitalization, refinancing, acquisition financing, and venture debt transactions.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Sustainable Income Capital Management, LLC is a special opportunities fund that originates and funds private credit investments for small and lower middle-market U.S. businesses through senior secured loans, second lien loans, mezzanine loans, factoring, growth capital, recapitalization and refinancing, acquisition financing, and venture debt. Investment sizes typically range from $100,000 to $5 million with tenors of one to ten years, and the fund raises capital exclusively from qualified investors via private placement memoranda.

Product overview

Sustainable Income Capital Management is a special opportunities investment fund focused on private credit and stable, long-term, cash-flowing assets. The company operates as a specialty finance firm offering a range of debt instruments including senior secured loans, second lien loans, mezzanine loans, and venture debt. Transaction types include factoring, growth capital, recapitalization, refinancing, and acquisition financing. The investment strategy targets companies with revenues typically less than $20 million and EBITDA less than $5 million, with investment sizes ranging from $100,000 to $5 million and tenors of one to ten years. The overall product offering centers on the Specialty Finance brand, providing structured private credit solutions with contractual cash flows, performance guarantees, excess cash flow protections, and over-collateralization as structural safeguards.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Credit Investment Services A core service offering senior secured loans, second lien loans, mezzanine loans, and other debt instruments with equity-like features to small and lower middle-market U.S. businesses that lack access to traditional bank financing.
• Factoring A transaction type provided by Sustainable Income that delivers immediate cash flow to borrowers through the purchase of their accounts receivable.
• Growth Capital Financing Debt financing supplied to companies seeking to expand operations, enter new markets, or scale their businesses.
• Acquisition Financing Debt financing solutions designed to fund business acquisitions and mergers for qualified borrowers.
• Recapitalization and Refinancing Restructuring and refinancing services for existing businesses designed to optimize capital structure and improve cash flow.
• Venture Debt Occasional debt financing for venture-stage companies, typically structured alongside equity considerations.
• Specialty Finance Fund (Special Opportunities Fund) The core investment vehicle of Sustainable Income Capital Management, a special opportunities fund specializing in esoteric private credit opportunities throughout the United States and across many industry sectors, distributed to qualified investors via private placement.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Sixth Street Lending Partners: Sixth Street is a large global direct lender to middle-market companies, broadly incumbent in the private credit space Sustainable Income targets — a scaled competitor that exerts pricing pressure on the niche.
• Ares Capital Corporation: Ares Capital is the largest U.S. BDC and a major direct lender to middle-market companies; it sits in the same private-credit market but operates at far greater scale and breadth than Sustainable Income.

Direct peers

• Runway Growth Finance: Runway Growth provides senior secured term loans and growth capital to lower middle-market and emerging-growth companies, with a similar mission of filling the gap left by traditional banks.
• Trinity Capital: Trinity Capital is a specialty finance provider of venture debt and growth capital to lower middle-market and venture-stage companies — directly comparable to Sustainable Income's venture debt and growth capital sub-products.
• Stellus Capital Investment Corp: Stellus is a BDC providing senior secured and second-lien loans to lower middle-market U.S. companies, overlapping the borrower profile and loan-structure toolkit that Sustainable Income offers.
• White Oak Global Advisors: White Oak is a direct private credit manager offering senior secured loans, factoring, and growth capital to small and lower middle-market U.S. businesses — directly overlapping Sustainable Income's core product set and target borrower profile.
• Alliance Funding Group: Alliance Funding Group provides factoring, purchase-order financing, and asset-based lending to small businesses — closely matching Sustainable Income's factoring and working-capital-oriented product lines.
• PennantPark Floating Rate Capital: PennantPark is a BDC focused on direct lending to middle-market companies via senior secured first-lien loans, broadly analogous to Sustainable Income's senior secured lending focus.
• Saratoga Investment Corp: Saratoga is a specialty finance BDC providing senior secured term loans and structured finance to lower middle-market U.S. companies — an established peer in the same private-credit niche Sustainable Income serves.
• Capitala Group: Capitala is a private credit and lower middle-market direct lender that originates senior secured and second-lien loans to small businesses, mirroring Sustainable Income's underwriting philosophy and target deal sizes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sustainable-income

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments2 records

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

Frequently asked questions about Sustainable Income Capital Management