Munoz Ghezlan & Co. Announces $125 Million Private Credit Program For Real Estate Investors And Entrepreneurs

Munoz Ghezlan & Co., an alternative finance firm operating at the intersection of structured debt, real estate, and insurance, is preparing to launch a new Private Credit and Direct Lending Initiative, reportedly targeting up to $125 million, pending formal announcement. It will be aimed at providing flexible capital solutions to underserved borrower segments across the United States, particularly in the real estate investment and small business sectors. 

Munoz Ghezlan & Co. merges extensive industry knowledge with an innovative view on financing. The firm utilizes cutting-edge debt structuring techniques to deliver customized, flexible solutions for both investors and small businesses. By offering creative products that emphasize security and strategic leverage, the company empowers clients to enhance their equity returns while reducing risk.

Image Credit: Munoz Ghezlan & Co.

The Inspiration Behind the New Program

This announcement marks a strategic shift toward integrating insurance-partnered solutions to enhance financing flexibility, aiming to improve credit structuring flexibility and bolster financing capabilities. By incorporating insurance into its core platform, Munoz Ghezlan is developing the infrastructure necessary to offer vertically aligned financial solutions. This will enable more efficient underwriting, helping to lower borrower premiums and improve asset protection because borrowers will be able to finance an investment property and insure it in a seamless, integrated process. However, the true benefits of partnering with an insurance firm come from unlocking new synergies between credit financing and long-term capital stability. Through this collaboration, Munoz Ghezlan & Co. is poised to offer more resilient funding solutions, streamlined credit deployment, and enhanced risk management strategies. The integration of insurance-backed capital helps the firm enhance liquidity and lending structures, offering real estate investors access to more flexible credit facilities. This move marks a pivotal step in Munoz Ghezlan & Co.'s commitment to reshaping the landscape of real estate finance by aligning credit expertise with fortified capital support.

Munoz Ghezlan & Co. initially concentrated on providing single- and multi-tranche debt solutions to lower middle-market companies involved in M&A transactions. The firm later shifted its focus to real estate financing after recognizing a structural gap in accessible credit for investors and operators. With offices in New York and London, Munoz Ghezlan is now preparing to launch a new location in Brickell, Miami, positioning itself strategically as the city quickly evolves into a financial hub. 

The Details of the New Program

The program will specialize in asset-backed financing aimed at real estate operators, fix-and-flip investors, and entrepreneurs seeking rapid and innovative lending solutions. Loan amounts are anticipated to range from $20,000 to $5 million, based on pre-partnership originations of over $5 million in monthly mortgage financing, with products customized to offer bridge loans, DSCR lending, interest-only financing for investment properties, and short-term working capital options, often referred to as "business funding."

Munoz Ghezlan's underwriting approach fuses collateral-based lending with a data-driven "credit risk" matrix focused on cash flow, supporting quicker deal approvals for borrowers while potentially minimizing unnecessary default risk for credit lenders. 

"Capital is the bottleneck for most ambitious operators. We're here to eliminate that," said a spokesperson for the firm. "This program reflects our belief that the future of finance lies in agile, non-institutional capital—deployed quickly, secured intelligently, and structured around the borrower, not bureaucracy."

A Bold New Financial Future

Munoz Ghezlan & Co. is committed to serving its clients with bold, innovative programs that redefine financial possibilities. In 2025, the firm continues to push the boundaries of credit structuring and capital deployment, empowering clients with access to transformative opportunities and forward-thinking solutions. Visit the company's website to explore its history and learn more about its offerings. 

About Munoz Ghezlan & Co. Ltd.

Munoz Ghezlan & Co., Ltd. is an investment firm specializing in tailored financial solutions for real estate investors and lower middle-market companies. The firm offers innovative 10% down DSCR loans for real estate investors, providing potential opportunities for them to grow their portfolios with reduced cash exposure. Additionally, the company's working capital solutions provide up to $500,000 in funding for individuals and small businesses, helping these entities address their financial needs and support growth. The firm's mission is to empower clients to build generational wealth through the strategic use of debt, with a core goal of driving economic growth and fostering financial success across diverse industries. 

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