FREQUENTLY ASKED QUESTIONS
Straight answers for CEOs and CFOs navigating credit, risk, and financial complexity.
At KREDED, we help middle-market businesses improve their credit position, reduce risk, and access smarter financing—without wasting time or overpaying for capital. Here’s what decision-makers often want to know before working with us.
What We Do
What exactly does KREDED do? We help you get your financial house in order—from credit strategy to compliance to cash flow—so you can access better capital, manage risk, and scale with confidence. We’re your external partner for credit and risk management, lender relationship support, and financial infrastructure. Are you a lender or a broker? We are neither. We are independent credit and risk advisors. When we help you secure financing, lenders pay us, but our loyalty starts with you. Our goal is to match you with the right capital partner and help you negotiate favorable terms. Do you only work with companies looking for loans? Not at all. Some of our clients already have financing. Others come to us to review existing debt structures, prepare for audits, upgrade compliance systems, or improve their internal credit policies. We serve as a strategic partner across the full financial lifecycle.
Financing and Lender Matching
What types of loans can you help with? We specialize in structuring and securing a range of commercial loan types, including: •Asset-Based Lending (ABL) •Trade Financing •C&I (Commercial & Industrial) Loans •Cash Flow Loans •Leveraged Buyouts •Lines of Credit •Equipment Financing •Private or Non-Bank Financing •Term Loans •Working Capital Lines Do you help with real estate loans? No. Commercial real estate financing typically requires a separate licensing process. We focus on operational and growth-oriented capital strategies. What size deals do you handle? We focus on deals ranging from $5 million to $120 million. We have experience supporting high-stakes, multi-lender syndicated transactions and middle-market deals that require creative structuring and negotiation. What industries do you serve? We’ve worked with companies in: •Construction •Manufacturing •Logistics •Wholesale Distribution •Professional Services •Industrial and B2B Services •Retail •Consumer Product •eCommerce •Energy •Food & Beverage •And more What size companies do you typically support? We serve established, revenue-generating businesses with annual revenue of $25 million to $500 million. We do not work with pre-revenue startups or early-stage ventures.
Beyond Financing: Risk, Compliance, Cash Flow
Do you offer services beyond lender matching? Absolutely. We support companies looking to reduce exposure, improve financial operations, and prepare for institutional-grade growth. Our services include: Customer Risk Management •Evaluate customer creditworthiness •Develop or improve internal credit policies •Help reduce bad debt while supporting revenue growth Third-Party Risk Management •Conduct due diligence on vendors, partners, and contractors •Identify financial, operational, and reputational risks •Build sustainable monitoring and control frameworks Compliance Advisory •Create or upgrade compliance programs •Align with regulatory requirements for financial services, lending, or internal controls •Support pre-audit readiness and post-transaction monitoring Cash Management Strategy •Optimize working capital through smarter receivables and payables strategies •Realign internal terms with financing structures •Reduce reliance on external capital by unlocking internal cash flow Is this customized to our business? Yes. Every engagement is tailored to your goals, internal resources, risk appetite, and industry conditions. We’re not offering templates—we’re designing what works for you.
How We Work
Do you work with our CFO or replace them? We partner with your CFO, controller, or finance lead. Think of us as a strategic extension of your team, especially when you're managing lender relationships, preparing for large transactions, or navigating financial transitions. How long does it take to see results? Timeframes vary by engagement: •Credit or risk reviews take about 2–4 weeks •Financing transactions often run 15–60 days, depending on complexity •Policy or compliance implementations are scoped by project We provide a clear roadmap before we start. How are you compensated? •We may receive compensation for our financing support in different ways, depending on the specific arrangement. In some cases, we are paid a referral fee by the lender when a loan closes. In other instances, fees may be paid by the borrower, such as through an origination fee. We are committed to transparency and will always disclose who is responsible for any fees in your particular situation before you proceed. •For advisory work, we offer flat-fee, project-based, or retainer pricing—customized to scope and duration.