Curated US Agri & AgTech Origination for Institutional Capital.
Pay In Time USA is opening forward-flow, warehouse and participation facilities for institutional capital partners seeking exposure to US agricultural and AgTech specialty finance. We provide curated origination, structuring and servicing – you deploy capital.
The Opportunity: US agriculture is a $1.3 trillion sector with chronic under-supply of specialty finance. AgTech adoption is accelerating farmer demand for embedded, fit-for-purpose credit. Institutional allocators want curated agri exposure without building origination infrastructure. Pay In Time USA is the connective tissue.
Target Capital Partner Profile: Private credit funds with specialty finance mandates. Family offices with agricultural or rural infrastructure allocations. Community banks and Farm Credit affiliates seeking overflow or co-lending. Asset managers building diversified private credit portfolios.
Indicative Facility Structures: Forward-flow agreements $25M to $100M+. Warehouse facilities revolving against an eligibility matrix. Participation and co-lending per-deal. Programmatic AgTech vendor finance drawn on transaction triggers.
Indicative Economics: Target gross yields 9-14 percent depending on product, tenor and structure. Loss expectations modelled at 50-150 bps net of recoveries based on AU track record. PIT earns origination fee, structuring fee, and servicing trail of 25-75 bps pa of book.
Engagement Process: 30-minute briefing call, NDA and data room, structure design workshop, LOI and definitive documentation, first deals funded within 60 days of facility close.
Submit your Capital Partner enquiry below to receive the data room link and book the next briefing call:
Important: This page is for general informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities or to enter into any transaction. Any facility, structure or yield figures are indicative only and subject to definitive documentation, due diligence, regulatory approval and credit committee. Pay In Time USA is a trade name of REALM Group Global. Pay In Time does not extend credit directly in the United States. All lending products are originated and funded by licensed US lending partners.
