Esteema Capital ‘Approach, Philosphy and Process’ 

Our Approach

Esteema Capital Partners operates with a capital-led, institutionally disciplined approach to structured funding advisory.

We specialise exclusively in capital structuring — senior debt, mezzanine finance, private equity, joint ventures, and structured capital solutions. Our methodology is shaped by the expectations of regulated lenders, institutional investors, private credit funds, and sophisticated capital providers.

We do not operate as volume-driven brokers or distribution-led intermediaries. Every capital mandate is assessed and structured with the mindset of a principal capital partner — focused on execution certainty, disciplined risk alignment, regulatory integrity, and sustainable capital outcomes.

Our Philosphy

Our philosophy defines how we think about capital — before we structure it, approach it, or execute it.  It is built on four core convictions:

Capital Before Marketing

Funding strategies are shaped around credible, decision-ready capital — never speculative lender circulation.

Discipline Before Volume

We prioritise underwriting quality, structural integrity, and execution certainty over mandate volume.

Discretion Before Exposure

Capital engagement is controlled and selective to preserve credibility, confidentiality, and funding integrity.

Alignment Before Execution

Sustainable funding outcomes require early alignment between borrower objectives, capital risk appetite, and structural feasibility.

Our Principles

These define our mindset and distinguish us from distribution-led brokerage models.

Capital Advisory Principles

While our philosophy defines how we think, our capital advisory principles define how we operate.

Institutional Underwriting First

Every mandate undergoes internal financial analysis, stress testing, covenant assessment, and structural review before capital engagement.

Strategic Capital Structuring

We design the appropriate capital stack — senior debt, mezzanine, equity, or hybrid — aligned with cash flow, leverage tolerance, and exit visibility.

Selective Capital Matching

Capital providers are approached based on defined credit appetite, sector expertise, and structural compatibility.

Active Execution Management

We manage the funding process through credit dialogue, valuation coordination, legal progression, and conditions precedent oversight.

Long-Term Capital Strategy

Mandates are structured with refinancing pathways, covenant sustainability, and future capital requirements in view.

Our Capital Funding Process

Capital Markets–Led | Client-Aligned | Execution-Focused

Assess → Underwrite → Align Capital → Execute → Optimise

Capital Funding is not simply about sourcing finance — it is about structuring, aligning, and executing diversified capital with precision. From initial evaluation through structuring, negotiation, and completion, every stage is strategically managed to optimise certainty, efficiency, and long-term value creation. This is achieved through disciplined underwriting, full capital stack integration (senior debt, mezzanine, equity and joint ventures), targeted capital matching, proactive risk management, and execution oversight designed to deliver dependable funding outcomes.

Capital Markets–Led Process

Capital is approached only once a funding structure is fully underwritten and investment-ready.
By structuring before sourcing, we deliver stronger pricing, faster decisions, and materially higher execution certainty.

Stage 1 – Capital Readiness Assessment

Client Engagement & Structural Alignment

We conduct a comprehensive review of the asset, business plan, sponsor profile, ownership structure, and funding objective.
This ensures the mandate is capital-ready, risk-assessed, and aligned with real lender appetite — not merely funding-seeking.

Stage 2 – Capital Structuring & Underwriting

Structuring Before Capital Engagement

Institutional-grade underwriting is applied before any capital approach.
We design the optimal capital stack, stress-test cash flows, assess covenant capacity, and align structure with credit policy expectations.

Stage 3 – Targeted Capital Engagement

Decision-Maker Access & Term Negotiation

Aligned banks, debt funds, and private capital providers are selectively engaged.
We negotiate pricing, leverage, covenants, and structure — presenting clients with clear comparative analysis and strategic recommendations.

Stage 4 – Credit, Valuation & Legal Coordination

Active Execution Management

Once terms are agreed, we manage valuation, legal documentation, and credit clarifications.
Conditions precedent are proactively monitored to maintain momentum and avoid execution slippage.

Stage 5 – Completion & Ongoing Capital Strategy

Beyond Drawdown

Upon approval, capital is drawn and security perfected.
We continue advising on refinancing strategy, covenant sustainability, and future capital optimisation.

Timeframes & Transparency

Disciplined Communication Throughout

Indicative terms are typically received within 24–48 hours in aligned cases.
Completion timelines generally range from 4–6 weeks, subject to valuation and legal processes.

Clients are kept informed at every stage — with clarity on progress, requirements, and next decision points.

Why This Process Matters

Execution Before Marketing

Our capital-markets approach delivers stronger structures, better pricing, and higher funding certainty.
Structure precedes sourcing. Underwriting precedes engagement. Execution precedes exposure.