Structured Finance
A $1B credit facility,
built for institutional structuring.
5 Legacy is an industry-agnostic firm; structured finance is one of several capability surfaces. The practice operates a $1B credit facility designed for fund allocations, trust withdrawals, and comprehensive financial guarantees. Capital flows through restricted-cash allocation accounts subject to KYC, compliance, and three-signatory authorization on every deployment.
Chapter 01 · Leverage Framework
$500M capital allocation.
$1.5B in usable liquidity.
The cornerstone of our structured finance practice is a 3:1 leverage strategy. A $500M capital allocation generates a $1.5B revolving line of credit — positioned as a premier institutional lender across high-yield real estate, commodity transactions, strategic acquisitions, and short-term financing.
Allocation
$500M
Leverage
3 : 1
Liquidity Pool
$1.5B
Deployed as a revolving line of credit across institutional real estate (80–90% of portfolio), commodity transactions, strategic acquisitions, and high-velocity short-term financing.
Chapter 02 · Capabilities
Six pillars of
structured deployment.
Credit Facilities
5 Legacy facilitates a $1B credit facility structured specifically for fund allocations, trust withdrawals, and the issuance of comprehensive financial guarantees.
Allocation Structures
Restricted-cash allocation accounts with formal KYC, compliance, and three-signatory authorization protocols on every deployment.
Capital Deployment
3:1 leverage strategy generating up to $1.5B in revolving line of credit — positioned across real estate, commodity, acquisition, and short-term financing engagements.
Liquidity Solutions
Short-term liquidity, working capital, and bridge-to-permanent positions for vetted counterparties with time-sensitive capital needs.
Financial Guarantees
Performance bonds, payment guarantees, and credit enhancement instruments structured around defined exit and recourse parameters.
Risk Oversight
Layered protection through performance bonds, crime insurance, and pre-arranged take-out structures on every position we underwrite.
Chapter 03 · Sweet Spot
Short-term bridge.
Pre-arranged exit.
Our highest-conviction deployments are short-term bridge positions of 30, 60, and 90 days — structured around a pre-arranged permanent take-out loan that exits the position on schedule.
The structure enables aggressive capital appreciation through interest spreads and origination fees, while the take-out commitment removes duration risk before we deploy. The result is a portfolio that compounds at institutional velocity without the cycle exposure of long-tail positions.
For larger development engagements, we offer long-term capital under 50/50 joint venture structures — an equity posture that preserves our visibility into every draw and milestone.
Chapter 04 · Governance
No transaction without
three signatures.
Every proposed transaction must undergo a formal vetting period and receive authorization from three designated signatories before a term sheet is issued to the borrower.
This redundant authorization layer is the operational center of our risk discipline. It is supplemented by performance bonds, crime insurance, and KYC compliance — building structural protection into every layer of the engagement before capital moves.
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