Senior and secured North America
North Post Group is a privately held investment partnership that provides senior, asset-backed capital to specialty lenders, real asset platforms and insurance businesses across North America.
The firm
North Post Group invests in asset-based private credit. The firm structures senior, secured financings in which each position is underwritten against the assets and contractual cash flows that support it.
Structure and collateral over leverage
Approach
North Post Group provides capital in segments where knowledge of the underlying assets and direct relationships with originators determine the quality of the credit.
Capital is placed at the senior level of the capital structure and secured by identifiable assets or contractual payment streams, with the originator’s own equity ranking behind it.
North Post Group works alongside established originators through forward-flow, rediscount and warehouse-style facilities, providing capacity that grows with the originator’s platform.
Each position relies on structure and collateral for protection, including advance rates, eligibility criteria, covenants, cash controls and priority of payment, with leverage used selectively.
A focus on transaction sizes and asset types that larger credit platforms tend to overlook, where bilateral negotiation supports tighter terms and closer oversight.
How capital flows
North Post Group is a privately held investment partnership.
Senior, secured financings, each underwritten against the assets and contractual cash flows that support it.
Forward-flow, rediscount and warehouse-style facilities, placed at the senior level of the capital structure.
Positions are originated directly with the operators that create and service the underlying assets.
Identifiable assets or contractual payment streams, protected by advance rates, eligibility criteria, covenants, cash controls and priority of payment.
North Post Group remains engaged from structuring through repayment, with regular reporting, covenant oversight and, where appropriate, governance rights.
Focus areas
The three areas share one method: senior exposure to identifiable assets, originated through operators with established platforms and performance histories.
Property and equipment
Senior credit secured by real estate and equipment, sized to the value of the underlying collateral and structured around construction, lease and repayment schedules.
Receivables and payment streams
Senior exposure to diversified pools of small-business and merchant receivables, originated and serviced by operating platforms and underwritten on historical pool performance.
Insurance platforms
Capital for insurance carriers and the underwriting platforms that support them, structured with priority over the equity of the businesses financed.
Principles
Positions are sourced bilaterally, through direct relationships with operators and asset owners.
Priority in the capital structure, with security over the underlying assets and cash flows.
Underwriting grounded in the historical performance of the underlying assets, followed by regular reporting and active oversight for the life of each position.
Terms that keep lender and originator interests aligned, supported by governance rights and long-term relationships.