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Understanding Participations

Written by midijpue-ca on . Posted in News.


In the complex world of lending, participations offer a strategic way to address various financial challenges. But what exactly is a participation, and how can it benefit lenders?

At Thirdmark Capital, we leverage our factoring experience to facilitate participations efficiently. Our expertise helps address key challenges such as lending limits, concentration concerns, liquidity issues, and credit risks. We work with a range of lenders to fill capital needs for our partners to achieve successful business growth.

What is a Participation?

A participation is a financial arrangement where one lender (the lead lender) invites other lenders (participants) to share in a loan or financing arrangement. This collaborative approach helps distribute risk and provides access to larger amounts of capital than any single lender might offer.

Benefits of Participations

Participations from Thirdmark offer several benefits to lenders:

  • Mitigate Risk: Distribute financial risk across multiple lenders to reduce exposure.
  • Offer Sustainable Capital: Provide ongoing support to help lenders maintain liquidity and meet client needs.
  • Fill Gaps Beyond Lending Limits: Allow lenders to offer larger financing solutions without exceeding their own limits.

Our Approach

Our approach is centered on collaboration and customization:

  • Collaborative Partnerships: We work closely with lenders to understand their unique needs and challenges.
  • Customized Solutions: Tailoring participation structures to meet specific financial requirements.
  • Fast Execution: Ensuring quick and efficient processing of participation requests.

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Meet the Thirdmark Team

Written by midijpue-ca on . Posted in News.


Get to know Jacob, Skip, and Stratton.

Our team has a combined 70+ years of factoring and lending experience, but we are also easy to work with. Learn more about us:

  • Jacob Ladner, CEO

    Bringing over a decade of experience in the factoring industry, Jacob defines and provides participation solutions that factors and lenders need to succeed.

    Jacob currently serves as City Council President in Decatur, AL. He enjoys physical challenges and completed an Ironman 70.3 in 2018.

  • Skip Thompson, Partner

    Serving previously as CEO of Corporate Billing, a prominent factoring company, Skip now applies his expertise at Thirdmark Capital to optimize our client-focused processes.

    Skip serves the community as a board member for various organizations. When not at the office, he can usually be found on the golf course.

  • Stratton Orr, Partner

    Following an early career in investment banking and lending, Stratton brings a unique perspective to the Thirdmark team. Keeping the client experience at the forefront of their efforts, Stratton relies on his experience to build client trust.

    Stratton is our in-house marketing guru. He came up with the name Thirdmark Capital.

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Our IFA Involvement

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Thirdmark Capital is a proud member of the International Factoring Association (IFA), where we network with a diverse range of factoring firms and finance organizations. Throughout our relationship, we have the opportunity to attend conferences around the world to stay up-to-date on the latest trends and grow partnerships with key players in the industry.

Historically, Thirdmark has attended annual conferences in locations including Miami, FL, sponsored a President’s and Senior Executive’s meeting in St. Thomas and hosted Webinars on factoring participation and funding.

Later this year, Jacob Ladner, CEO, will host another webinar to discuss how factors and specialty finance lenders can maximize their lending opportunities with participations.

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Case Study: Our $5 Million Participation Deal

Written by midijpue-ca on . Posted in News.


We are thrilled to announce that Thirdmark Capital has successfully executed a $5 million participation deal with a large private credit lender! This lender wanted to continue their long-standing relationship with their factoring client even after reaching their internal lending limits.

With an impressive history of success in the industry, the factoring company required additional funding to support its growth and expansion plans. Recognizing the importance of sustaining this valuable partnership, the lender turned to Thirdmark Capital for a customized participation solution.

“I am beyond excited about this transaction and warmly welcome our new partner into our family of clients,” said Jacob Ladner, CEO of Thirdmark Capital. “Our team is dedicated to providing innovative participation solutions that drive growth and foster long-term partnerships.”

This $5 million participation deal is a testament to our commitment to empowering businesses and strengthening partnerships within the financial landscape. At Thirdmark Capital, we believe in supporting businesses with the resources they need to thrive in today’s competitive market.

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