01Flagship
Debtor-In-Possession Loans
Specialized Financing for Debtors Operating Under Chapter 11 of the United States Code.
DIP Lending • Special Situations Credit
Real Estate LendingFor Special Situations
364 Capital is a direct private lender specializing in bespoke financing solutions for real estate owners in special situations, with a core competency in bankruptcy restructuring and debtor-in-possession (DIP) financing.
About 364 Capital
Capital to Succeed
We are not afraid of problems. Instead, we help solve them when traditional credit markets are unable or unwilling to provide capital, often due to complexity, distress, fatigue, or time-sensitive circumstances.
Our borrowers want to complete what they've started and preserve the equity value of their assets. In many instances, creditors that have the least amount of risk are unwilling to fund — or stop funding altogether — the remaining capital needed to execute on a plan that would result in a successful outcome for all parties involved.
Our loans provide the capital that is needed to fight back against aggressive creditors, execute on a business plan, and recapture equity that would otherwise be unrecoverable.
Across the Asset Lifecycle
Our lending platform enables borrowers to preserve liquidity and unlock equity by financing the key investment initiatives that drive asset performance and value creation.
- 01Acquisition
- 02Asset Preservation & Carry
- 03Entitlement
- 04Horizontal Development
- 05Vertical Construction
- 06CapEx & OpEx
- 07Leasing & Buildout
- 08Sale & Disposition
What We Do
Loan Products
Creative financing solutions that support borrowers across complex and distressed situations, with a focus on asset preservation and value creation.
02
Post-Petition Loans
Specialized Financing for Independent Managers or Trustees of a Debtor Operating Under Chapter 11 of the United States Code.
03
Receivership Certificate Loans
Specialized Financing to Court Appointed Receivers to Fund the Continued Operation or Preservation of a Distressed Property.
04
Senior Secured Loans
Short Duration Loans (1-2 years) Against Real Estate.
05
Exit Loans
Senior Secured Loans for Debtors to Exit Bankruptcy.
The Differentiator
Debtor-in-Possession Financing
When a company files Chapter 11, it requires access to liquidity to operate and execute on certain strategic initiatives that will prevent irreparable harm to its assets, maintain going-concern value for its business, and maximize the return to all creditors and parties of the estate. This highly specialized financing requires court approval that generally takes 45 days to close from the date that the debtor enters a motion to approve DIP financing. However, in critical situations, the debtor may petition the court for approval of a DIP loan on an emergency basis, which can close in a matter of days.
01
Immediate Operating Liquidity
DIP loans can provide the working capital a debtor needs to prevent irreparable harm to assets - and create value while the business reorganizes.
02
Priming Liens & Superpriority
Subject to the requirements under 11 U.S. Code § 364, DIP loans are made on a super-priority basis and sits ahead of all secured creditors, which allows us to move with speed and certainty.
03
Court Approval & Milestones
DIP loans are approved through interim and final orders. We are intimately familiar with the process and work alongside our borrowers to submit the motion and draft order to the court in preparation for an evidentiary hearing to prove adequate protection.
04
Timing & Certainty
Time is your greatest enemy. We underwrite on compressed timelines and commit discretionary capital — giving debtors, advisors, and counsel the certainty that the money will be there when the court signs the order.
05
Path to Emergence
A DIP is a bridge to a plan. We structure facilities with takeout, conversion, and exit financing in mind — aligning our capital with a credible road to confirmation and emergence.
Our Approach
Our Approach
We work closely alongside our borrowers, their counsel, and restructuring advisors to ensure that the debtor has the best chance of success at obtaining DIP financing.
Execution Certainty
We move quickly because distressed situations punish delay.
Bankruptcy Fluency
Deep knowledge of Chapter 11, DIP orders, and courtroom dynamics.
Creative Structuring
We structure around complexity, not away from it.
Borrower Alignment
Financing paths that preserve and create value to preserve equity.
Discretionary Capital
Decisions made by owners, not committees.
Absolute Discretion
Total confidentiality for sensitive deal flow.
Track Record
20+ Years of Experience
We don't learn on your transaction. We've already seen it. We've sat on all sides of the table - as lenders, as workout professionals, and as principals - which is why bankruptcy counsel, financial advisors, and sophisticated sponsors bring us their hardest deals.
364 Capital is led by principals with over two decades of direct lending, restructuring, and real estate credit experience across multiple cycles. Our team has originated, structured, and worked out significant volume of DIP loans, senior secured loans, and rescue capital across recessions, dislocations, and idiosyncratic credit events. Our experience spans nearly every real estate asset class, from single family ultra-luxury spec homes to office, retail, marinas, industrial and hospitality.
Construction / Development • Real Estate • Hotels
Core sector expertise across the capital stack
Who We Work With
Our Counterparties
We partner with professionals to navigate distressed and special situations so that our borrowers can obtain financing.
01
Borrowers / Debtors
02
Bankruptcy Counsel
03
Restructuring Advisors
04
Independent Managers / Trustees
05
US Trustee
06
Professionals & Contractors
Get in Touch
Have a Deal? Let's Talk.
Send core facts, timing, and collateral. We engage quickly and confidentially.