Worth KnowingSecured term loan
Certificate of Deposit (CD)-Secured Loan
Borrow against CD without redeeming it
162 structures worth knowing
Financing you may not know exists
These are established but lesser-known structures. Inclusion is educational—not a recommendation or statement of suitability.
Worth KnowingPlan participant loan
401(k) / Qualified Plan Participant Loan
Borrow from eligible employer retirement plan
Worth KnowingSecured installment loan
Classic / Collector Car Loan
Finance collectible vehicle with specialty valuation
Worth KnowingSecured installment loan
Exotic / Supercar Loan
Finance high-value exotic vehicle
Worth KnowingRenovation mortgage
Freddie Mac CHOICEReno eXPress Mortgage
Streamlined smaller renovation financing
Worth KnowingLand loan
Raw Residential Land Loan
Acquire raw land for later residential development
Worth KnowingSubordinate mortgage/assistance
Community Seconds Mortgage
Down-payment/closing-cost assistance with first mortgage
Worth KnowingGovernment-insured improvement loan
FHA Title I Property Improvement Loan
Finance eligible home improvements
Worth KnowingReverse mortgage purchase financing
HECM for Purchase
Buy a home using HECM structure
Worth KnowingReverse mortgage
Single-Purpose Reverse Mortgage
Public/nonprofit reverse mortgage for specified purpose
Worth KnowingGovernment-insured chattel/home loan
FHA Title I Manufactured Home Unit Loan
Finance manufactured home without land
Worth KnowingGovernment-insured mortgage/chattel hybrid
FHA Title I Manufactured Home and Lot Combination Loan
Finance unit and land together
Worth KnowingGovernment-insured land loan
FHA Title I Manufactured Home Lot Loan
Finance lot for manufactured home
Worth KnowingMortgage
Fannie Mae MH Advantage Mortgage
Conventional manufactured housing with MH Advantage features
Worth KnowingMortgage
Freddie Mac CHOICEHome Mortgage
Conventional financing for CHOICEHome properties
Worth KnowingGovernment-insured mortgage
FHA 203(h) Disaster Victim Mortgage
Replace/rebuild principal residence after declared disaster
Worth KnowingMortgage/equity hybrid
Shared-Appreciation Mortgage
Lower cash financing in exchange for appreciation share
Worth KnowingMortgage
1099-Only Mortgage
Independent contractors using 1099 income
Worth KnowingMortgage
Profit-and-Loss (P&L)-Only Mortgage
Self-employed qualification without standard tax-return analysis
Worth KnowingMortgage
Asset Qualifier Mortgage
Qualify primarily from assets rather than income
Worth KnowingMortgage
One-Year Tax Return Mortgage
Self-employed borrower using shorter tax history
Worth KnowingInvestment-property mortgage
5-8 Unit / Small Multifamily DSCR Loan
Finance small multifamily beyond 1-4 units
Worth KnowingBridge loan
No-Ratio / No-Income Investor Bridge Loan
Short-term investor financing without personal DTI focus
Worth KnowingConstruction loan
Build-to-Rent Construction Loan
Construct homes intended for rental portfolio
Worth KnowingRevolving secured line
Real-Estate Investor Revolving Line of Credit
Reusable acquisition/rehab capital
Worth KnowingJunior mortgage
Non-QM Second Mortgage
Second lien for borrowers outside agency standards
Worth KnowingCommercial mortgage
Life Insurance Company (LifeCo) CRE Mortgage
Long-term institutional permanent debt
Worth KnowingGovernment-insured multifamily mortgage
HUD/FHA 223(f) Multifamily Acquisition/Refinance Loan
Acquire/refinance eligible multifamily
Worth KnowingGovernment-insured construction/permanent mortgage
HUD/FHA 221(d)(4) Multifamily Construction/Substantial Rehab Loan
Build or substantially rehabilitate multifamily
Worth KnowingGovernment-insured CRE mortgage
HUD/FHA Section 232 Healthcare Facility Mortgage
Finance eligible residential care facilities
Worth KnowingGovernment-insured CRE mortgage
HUD/FHA Section 242 Hospital Mortgage Insurance
Finance eligible hospitals
Worth KnowingIntermediate-term mortgage
Mini-Perm Commercial Real-Estate Loan
Bridge construction completion to permanent debt
Worth KnowingMezzanine debt
CRE Mezzanine Loan
Fill CRE capital-stack gap behind senior mortgage
Worth KnowingEquity investment
Preferred Equity for CRE
Fill capital-stack gap without conventional junior mortgage
Worth KnowingAssessment-backed financing
Commercial Property Assessed Clean Energy (C-PACE)
Finance energy/resilience improvements or eligible new construction
Worth KnowingLeasehold/fee financing
Ground Lease Financing
Finance land separately from improvements
Worth KnowingBridge loan
Low-Income Housing Tax Credit (LIHTC) Bridge Loan
Bridge timing gaps in affordable-housing capital stack
Worth KnowingSyndicated revolver
Syndicated Revolving Credit Facility
Large-company liquidity
Worth KnowingAmortizing syndicated term loan
Term Loan A (TLA)
Bank-led corporate financing
Worth KnowingInstitutional syndicated term loan
Term Loan B (TLB)
Leveraged acquisition/refinancing
Worth KnowingCommitted term facility
Delayed-Draw Term Loan (DDTL)
Fund acquisitions/capex over time
Worth KnowingSingle-tranche senior/junior blended debt
Unitranche Loan
Middle-market acquisition/refinancing
Worth KnowingJunior secured debt
Second-Lien Term Loan
Additional leverage behind senior debt
Worth KnowingSubordinated debt
Corporate Mezzanine Debt
Acquisition/growth capital behind senior debt
Worth KnowingSubordinated unsecured debt
Unsecured Subordinated Note
Junior capital without asset lien
Worth KnowingAcquisition debt
Leveraged Acquisition Loan
Finance acquisition
Worth KnowingBridge debt
Acquisition Bridge Loan
Bridge committed acquisition closing
Worth KnowingMulti-tranche acquisition debt
Leveraged Buyout (LBO) Debt Package
Finance sponsor buyout
Worth KnowingLeveraged term debt
Dividend Recapitalization Loan
Fund owner dividend/recapitalization
Worth KnowingAcquisition debt
ESOP Acquisition / Leveraged ESOP Loan
Finance employee stock ownership transaction
Worth KnowingSuperpriority bankruptcy financing
Debtor-in-Possession (DIP) Financing
Finance Chapter 11 operations
Worth KnowingRefinancing facility
Exit Financing
Fund emergence from bankruptcy
Worth KnowingBespoke secured/unsecured debt
Rescue / Special-Situations Financing
Liquidity for stressed but viable business
Worth KnowingDebt with capitalized interest
Payment-in-Kind (PIK) Debt
Reduce current cash interest burden
Worth KnowingWorking-capital loan
Trade Working-Capital Loan
Finance import/export operating cycle
Worth KnowingTrade instrument
Documentary Letter of Credit
Support payment in goods trade
Worth KnowingContingent bank guarantee
Standby Letter of Credit
Backstop payment/performance obligation
Worth KnowingTrade-finance instrument
Banker's Acceptance
Finance/settle trade transaction
Worth KnowingWorking-capital/export loan
Pre-Export Financing
Fund production before export proceeds
Worth KnowingStructured financing
Trade-Receivables Securitization
Raise term/revolving funding against receivable pool
Worth KnowingWarehouse revolving line
Mortgage Warehouse Line
Fund mortgage originations until secondary-market sale
Worth KnowingSecured financing
Loan-on-Loan / Lender Finance Facility
Finance specialty/nonbank lender loan book
Worth KnowingWarehouse line
Asset-Backed Securities (ABS) Warehouse Facility
Aggregate assets before term securitization
Worth KnowingSecured term/lease
Dental Equipment Financing
Finance dental practice equipment
Worth KnowingSecured term loan
Business Aircraft Loan
Finance business/private aircraft purchase
Worth KnowingLease
Aircraft Finance Lease
Finance aircraft through finance lease
Worth KnowingLease
Aircraft Operating Lease
Use aircraft through operating lease
Worth KnowingSpecialty facility
Aircraft Progress-Payment / Upgrade Financing
Finance pre-delivery payments or upgrades
Worth KnowingSecured term/lease
Aircraft Engine Financing
Finance engines separately from aircraft
Worth KnowingSecured term/lease
Helicopter Financing
Finance rotorcraft
Worth KnowingSecured maritime loan
Ship Mortgage
Finance commercial vessel
Worth KnowingSecured maritime loan
Superyacht / Yacht Financing
Finance high-value yacht
Worth KnowingEquipment trust / secured debt
Railcar Equipment Trust Financing
Finance railcar fleets
Worth KnowingSecured term/lease
Shipping Container Financing
Finance intermodal shipping containers
Worth KnowingGovernment direct + commercial co-financing
FSA Joint Financing Farm Ownership Loan
Combine FSA and commercial ownership financing
Worth KnowingGovernment direct farm loan
FSA Down Payment Farm Ownership Loan
Lower-down-payment farm ownership
Worth KnowingGovernment direct microloan
FSA Farm Ownership Microloan
Smaller farm ownership needs
Worth KnowingGovernment direct microloan
FSA Operating Microloan
Small-scale operating expenses
Worth KnowingGovernment-guaranteed simplified loan
FSA EZ Guarantee Loan
Smaller simplified guaranteed financing
Worth KnowingGovernment direct emergency loan
FSA Emergency Farm Loan
Recover from eligible natural disaster
Worth KnowingGovernment direct/guaranteed loan
FSA Conservation Loan
Implement conservation measures
Worth KnowingGovernment guarantee
FSA Land Contract Guarantee
Support beginning/socially disadvantaged farmer purchase via seller financing
Worth KnowingGovernment direct facility loan
Farm Storage Facility Loan (FSFL)
Build/upgrade farm storage
Worth KnowingGovernment direct microloan
FSA Youth Loan
Finance supervised income-producing ag project
Worth KnowingGovernment direct loan
Indian Tribal Land Acquisition Loan
Acquire land within tribal reservation structures
Worth KnowingCommodity-secured government loan
Commodity Marketing Assistance Loan (MAL)
Short-term liquidity against commodity crop
Worth KnowingAgricultural/land mortgage
Timberland / Forestry Loan
Acquire/manage timberland and forestry assets
Worth KnowingSecured term loan
Stock-Backed Term Loan
Term borrowing against concentrated or diversified stock
Worth KnowingOvercollateralized digital-asset loan
Crypto-Backed Institutional Loan
Institutional borrowing against digital assets
Worth KnowingPolicy loan
Cash-Value Life Insurance Policy Loan
Borrow directly against eligible permanent-life policy value
Worth KnowingSecured specialty loan
Life Insurance Premium Financing
Finance large life-insurance premiums
Worth KnowingPremium finance loan
Commercial Property & Casualty Premium Financing
Finance business insurance premiums
Worth KnowingSecured term/revolving loan
Fine-Art-Backed Loan
Create liquidity without selling art
Worth KnowingAdvance
Auction Consignor Advance
Receive advance before auction/sale settlement
Worth KnowingSecured collateral loan
Jewelry / Watch / Collectible-Backed Loan
Borrow against collectible asset
Worth KnowingSecured/unsecured estate loan
Trust / Estate Liquidity Loan
Bridge taxes, expenses, distributions or asset sale
Worth KnowingLoan
Probate / Estate Loan
Borrow pending estate administration
Worth KnowingLoan
Inheritance Loan
Borrow against expected inheritance with repayment obligation
Worth KnowingAssignment / nonrecourse advance
Inheritance Advance
Receive cash now in exchange for inheritance portion
Worth KnowingPayment-rights purchase
Structured Settlement Payment-Rights Purchase
Investor acquires defined future payment stream
Worth KnowingPayment-rights purchase
Secondary-Market Annuity / Annuity Payment-Rights Purchase
Acquire discounted future contractual payments
Worth KnowingSpecialty asset finance
Life Settlement Acquisition Financing
Finance acquisition of life-settlement interests
Worth KnowingSpecialty revolving/term facility
Life Settlement Premium Finance Facility
Finance ongoing premiums on acquired policies
Worth KnowingNonrecourse legal finance
Single-Case Commercial Litigation Finance
Fund fees/expenses or monetize commercial claim
Worth KnowingNonrecourse portfolio legal finance
Commercial Litigation Portfolio Finance
Finance multiple litigation/arbitration matters
Worth KnowingNonrecourse advance/receivables purchase
Post-Settlement / Judgment Monetization
Accelerate cash after settlement or award
Worth KnowingLoan/legal finance
Law-Firm Case-Cost Financing
Fund litigation costs/contingency cases
Worth KnowingLoan/legal finance
Law-Firm Portfolio Working-Capital Finance
Working capital backed by law-firm economics
Worth KnowingReceivables finance
Legal-Fee Receivables Financing
Advance/borrow against billed legal fees
Worth KnowingSecured loan
Intellectual-Property-Backed Loan
Borrow against IP value/cash flow
Worth KnowingSecured loan
Patent-Backed Loan
Borrow against patent value/licensing economics
Worth KnowingSecured cash-flow loan
Royalty-Backed Loan
Borrow against future royalties
Worth KnowingRoyalty sale/advance
Music Royalty Monetization
Receive lump sum against catalog/royalty income
Worth KnowingRoyalty-backed debt/purchase
Pharmaceutical Royalty Financing
Monetize or borrow against pharmaceutical royalties
Worth KnowingProduction loan
Film / Television Production Loan
Finance media production
Worth KnowingBridge loan
Film Tax-Credit Bridge Loan
Bridge production until tax credit monetizes
Worth KnowingPortfolio/project finance
Media Slate Financing
Finance multiple productions as diversified slate
Worth KnowingReceivables-backed loan
Licensing-Receivables Financing
Borrow against licensing income
Worth KnowingProject debt
Nonrecourse Project Finance Loan
Finance infrastructure/energy project on limited/nonrecourse basis
Worth KnowingProject debt
Renewable-Energy Project Finance Loan
Finance utility/commercial renewable project
Worth KnowingConstruction/project loan
Renewable-Energy Construction Loan
Build renewable-energy project
Worth KnowingUtility-bill financing
On-Bill Financing
Finance efficiency improvements repaid on utility bill
Worth KnowingService financing
Energy Services Agreement / Efficiency-as-a-Service
Implement efficiency with service payments instead of asset purchase
Worth KnowingPerformance-contract financing
Energy Savings Performance Contract Financing
Finance improvements repaid from savings/performance
Worth KnowingAssessment financing
Commercial PACE (C-PACE) Assessment Financing
Finance eligible commercial energy/resilience projects
Worth KnowingBorrowing-base revolver
Oil & Gas Reserve-Based Lending (RBL) Facility
Finance exploration/production company
Worth KnowingProject/borrowing-base debt
Oil & Gas Drilling / Development Facility
Finance drilling and field development
Worth KnowingProject/corporate debt
Midstream Energy Infrastructure Loan
Finance midstream assets
Worth KnowingBridge loan
Energy Tax-Credit Bridge Loan
Bridge renewable project tax-credit monetization
Worth KnowingProject finance
Public-Private Partnership (P3) Project Financing
Finance public infrastructure with private capital
Worth KnowingTax-exempt lease-purchase
Municipal Lease-Purchase Financing
Finance public assets over time
Worth KnowingTax-exempt lease
Tax-Exempt Equipment Lease-Purchase
Finance municipal/public equipment
Worth KnowingRevolving fund facility
Subscription / Capital-Call Credit Facility
Fund liquidity early in investment period
Worth KnowingFund loan
NAV Credit Facility
Fund liquidity backed by portfolio assets
Worth KnowingFund loan
Hybrid Subscription + NAV Facility
Blend subscription and asset-backed fund finance
Worth KnowingFund/sponsor loan
GP Commitment Facility
Finance GP capital commitments
Worth KnowingCorporate/fund-adjacent line
Management Company Line of Credit
Working capital for investment manager
Worth KnowingBridge loan
Fund Bridge / Acquisition Facility
Bridge investment acquisition pending capital call/permanent finance
Worth KnowingSecured financing transaction
Repurchase Agreement (Repo)
Short-term institutional liquidity
Worth KnowingSecured financing transaction
Reverse Repurchase Agreement
Institutional secured cash investment/financing
Worth KnowingMargin financing
Prime Brokerage Margin Financing
Leverage trading portfolio through prime broker
Worth KnowingSecurities loan
Securities Lending Transaction
Borrow securities for shorting/settlement/market-making
Worth KnowingSecuritized debt
Receivables Securitization Term Facility
Term funding through bankruptcy-remote receivable pool
Worth KnowingWarehouse/structured debt
ABS Warehouse-to-Term Facility
Finance asset accumulation before ABS term issuance
Worth KnowingWarehouse debt
CLO Warehouse Facility
Accumulate collateral before CLO issuance
Worth KnowingShared-equity purchase contract
Homebuyer Shared-Equity / Down-Payment Home Equity Contract
Investor contributes part of buyer's purchase capital in exchange for future home-value participation
Worth KnowingFederal direct project loan
TIFIA Secured Direct Loan
Long-term federal credit assistance for major transportation infrastructure
Worth KnowingFederal loan guarantee
TIFIA Loan Guarantee
Federal guarantee of eligible transportation project borrowing from non-federal lender
Worth KnowingContingent federal line of credit
TIFIA Standby Line of Credit
Contingent secondary funding source during early project operations
Worth KnowingFederal direct project loan
RRIF Direct Loan
Finance railroad infrastructure, equipment, facilities and eligible related projects
Worth KnowingFederal loan guarantee
RRIF Loan Guarantee
Federal guarantee supporting eligible rail/infrastructure borrowing
Worth KnowingFederal infrastructure loan
WIFIA Direct Loan
Long-term supplemental credit for eligible water, wastewater and stormwater projects
Worth KnowingFederal loan guarantee
WIFIA Loan Guarantee
Federal credit support for eligible water infrastructure financing
Worth KnowingPublic infrastructure loan
Clean Water / Drinking Water State Revolving Fund Loan
State-administered low-cost financing for eligible water infrastructure
Worth KnowingFederal loan / loan-guarantee financing
DOE Title 17 Clean Energy Financing
Large-scale eligible clean-energy deployment and infrastructure financing
Worth KnowingFederal loan / loan-guarantee financing
DOE Energy Infrastructure Reinvestment (EIR) Financing
Reinvest in, repurpose or replace eligible energy infrastructure
Worth KnowingFederal direct manufacturing loan
DOE Advanced Technology Vehicles Manufacturing (ATVM) Direct Loan
Finance manufacturing of eligible advanced vehicles, components and related technology
Worth KnowingFederal loan / loan-guarantee financing
DOE Tribal Energy Financing
Finance eligible energy projects involving federally recognized tribes or tribal entities
Worth KnowingFederal project financing
DOE Carbon Dioxide Transportation Infrastructure Financing
Finance eligible carbon-dioxide transportation infrastructure
Worth KnowingGovernment-guaranteed ABL line
EXIM Working Capital Guarantee Facility
Enable commercial lenders to fund U.S. exporter working capital
Worth KnowingLegal-finance / recovery-capital arrangement
Judgment Enforcement / Asset-Recovery Finance
Fund asset tracing, enforcement and monetization of unpaid judgments/awards
Worth KnowingAssessment-backed property financing
Residential Property Assessed Clean Energy (R-PACE) Financing
Finance eligible residential energy/resilience improvements where authorized
SpecializedTerm / SBA / CRE loan
Self-Storage Business Loan
Buy, build, refinance, expand, or improve a self-storage facility
SpecializedTerm / SBA / CRE loan
Fitness Center Business Loan
Acquire, construct, expand, or improve a fitness center or gym
SpecializedTerm / SBA / equipment loan
Winery & Vineyard Business Loan
Acquire, construct, expand, or equip a winery or vineyard
SpecializedTerm / SBA / CRE loan
Hardware Store Business Loan
Develop, acquire, refinance, or expand a hardware store
SpecializedTerm / SBA / CRE loan
Franchise Business Loan
Acquire, develop, expand, or buy out a franchise business
SpecializedTerm / SBA loan
Home Care & Hospice Business Loan
Acquire, expand, refinance, or start a home-care or hospice business
SpecializedTerm / SBA loan
Restoration, Remediation & Cleaning Business Loan
Acquire, expand, refinance, or fund a restoration, remediation, repair, or cleaning business
SpecializedTerm / SBA / CRE loan
HVAC, Plumbing & Electrical Contractor Business Loan
Acquire, expand, refinance, equip, or fund a skilled-trades contractor
SpecializedTerm / SBA / CRE loan
Automotive Care Business Loan
Acquire, expand, refinance, or equip an automotive-care business
SpecializedTerm / SBA / USDA loan
Educational Services Business Loan
Open, acquire, renovate, refinance, or expand an education or childcare business
SpecializedTerm / SBA / conventional loan
Broadband / ISP Business Loan
Acquire, build, expand, or refinance broadband and ISP infrastructure businesses
SpecializedTerm / SBA / construction loan
Ambulatory Surgery Center Business Loan
Acquire, construct, expand, renovate, or finance an ambulatory surgery center or office-based lab
SpecializedPractice term / SBA / CRE loan
Veterinary Practice Loan
Start, acquire, expand, equip, or refinance a veterinary practice
SpecializedPractice term / SBA / CRE loan
Dental Practice Loan
Start, acquire, expand, equip, or refinance a dental practice
SpecializedPractice term / SBA / CRE loan
Medical Practice Loan
Start, acquire, expand, equip, or refinance a physician practice
SpecializedPractice term / SBA / CRE loan
Optometry Practice Loan
Start, acquire, expand, equip, or refinance an optometry practice
SpecializedTerm / SBA / CRE loan
Car Wash Business Loan
Acquire, construct, expand, or refinance a car-wash business
SpecializedTerm / SBA / CRE loan
Funeral Home & Cemetery Business Loan
Acquire, expand, refinance, or improve a funeral-home or cemetery business
SpecializedTerm / SBA / CRE loan
Pharmacy Business Loan
Acquire, expand, refinance, or fund an independent pharmacy
SpecializedTerm / SBA / CRE loan
Pet Care Facility Business Loan
Acquire, build, expand, or refinance a pet-care or boarding facility
SpecializedTerm / SBA loan
Property Management Company Business Loan
Acquire, expand, refinance, or fund a property-management company
SpecializedTerm / SBA / conventional loan
Managed Service Provider (MSP) Business Loan
Acquire, expand, refinance, or fund a managed IT services provider
SpecializedTerm / SBA / CRE loan
Residential Assisted-Living Business Loan
Acquire, construct, expand, or refinance a residential assisted-living business
Worth KnowingEquipment loan / lease
Mining Equipment Financing
Finance surface or underground mining equipment
Worth KnowingEquipment loan / lease
Material-Handling & Warehouse Equipment Financing
Finance material-handling, warehouse, and distribution equipment
Worth KnowingEquipment loan / lease
Machine Tool & Manufacturing Equipment Financing
Finance machine tools and plant-manufacturing equipment
Worth KnowingEquipment loan / lease
Office Automation Equipment Financing
Finance copiers, printers, computers, and related office automation
Worth KnowingEquipment loan / lease
Commercial Specialty-Vehicle Financing
Finance commercial and specialty vehicles
Worth KnowingEquipment loan / lease
Commercial Marine Equipment Financing
Finance commercial marine equipment and vessels
Worth KnowingEquipment loan / lease
IT & Technology Equipment Financing
Finance business information-technology and related equipment