Alternative Financing
At Invico, we specialize in alternative financing solutions, leveraging our expertise to provide innovative funding options for businesses across North America. Our investment approach blends governance, ethics, and agility to support companies in diverse sectors. As a leading alternative finance provider, we empower businesses to grow through flexible and scalable private credit solutions.
Investment
Investment Objective & Strategy
Invico’s investment strategies are designed to deliver growth and consistent income across market cycles by investing in private credit, energy, and structured opportunities across Canada and the U.S.
Private Lending & Alternative Financing
We provide tailored debt financing solutions to support businesses across North America in growing, transforming, and seizing new opportunities. Whether you’re pursuing an acquisition, scaling your business, or navigating a special situation, our flexible capital solutions include:
- Asset-backed corporate loans
- First and second mortgages on residential and commercial real estate
- Development loans for oil and gas and infrastructure projects
- Secured senior and subordinated debt
We work with borrowers across industries, structuring our solutions to align with cash flow, collateral, and business objectives.
Syndicated Credit
Invico acquires syndicated corporate loans in the secondary market, providing liquidity to sellers and efficient capital to companies. We target:
- Senior secured term loans from North American issuers
- Credit opportunities with limited research coverage
- Companies with durable free cash flow and sustainable capital structures
Our team emphasizes downside protecting, sourcing credits that reward fundamental credit analysis and disciplined underwriting
Energy Working Interests
We invest in non-operated working interests and royalty structures in producing and development stage oil and gas assets. These investments provide long-term cash flow linked to commodities without the responsibilities or costs of operatorship. We focus on:
- Acquiring partial ownership in producing wells and development programs
- Structuring capital solutions for energy companies through asset sales or project-level funding
- Investing in conventional and unconventional plays with existing infrastructure and favourable decline profiles
Our partners include independent operators, private producers, and mid-sized energy companies seeking non-dilutive capital to support drilling, expansion, or balance sheet optimization.
Secondaries & Co-Investments
We purchase illiquid fund interests and partner on select transactions to unlock value in overlooked or time-sensitive situations. This includes:
- Hedge fund and private equity secondaries purchased at discounts to net asset value
- Smaller, deal-specific private transactions where liquidity is needed.
- Co-investments alongside proven managers in capital-constrained environments.
We provide liquidity to existing investors and access bespoke opportunities that align with our return and risk criteria.
Financing
Alternative Financing Solutions
Lending Solutions
Energy Capital Solutions
Lending Solutions
Lending Solutions
Energy Capital Solutions
Energy Capital Solutions
Benefits
Why Choose Invico for Alternative Financing?
Flexible Approach
We tailor our financing solutions to meet the unique needs of each business, ensuring customized structures that support long-term success.
- Principal repayment options: bullet, amortized, or cash flow sweep.
- Deferred interest payments available through capitalized reserves.
- Collateral based on financial and tangible assets, cash flow, and guarantees.
- Customized private lending structures tailored to business cash flow profiles.
Industry Expertise
- Multi-family real estate leasing
- Non-operated working or royalty interests in oil and gas
- Energy services companies
- Manufacturing and processing
- Agriculture
Speed & Efficiency
Depending on the selected financing solution, we can provide funding in as little as three weeks from term sheet execution.
Patient Capital
Although we are able to structure short-term financing solutions, extensions at maturity may be allowed.
Forward-Thinking
We look at what a business can do – not just at what it has already done.
Responsive Financing
We strive to provide indications of interest quickly and move expeditiously to funding.
Process
Our Underwriting Process
At Invico, our underwriting process ensures that all investments meet strict financial and risk criteria. Whether evaluating alternative financing opportunities or energy working interest investments, we follow a structured, bottoms-up, data-driven approach to protect investor capital while maximizing returns.
Origination & Assessment
Origination & Assessment We evaluate each investment based on:
- Alignment with Invico’s portfolio goals
- Cash flow potential and risk profile
- Borrower or asset quality
The 5 C’s of Credit
The 5 C’s of Credit For private lending, we assess:
- Character – Management credibility and financial history
- Capacity – Ability to generate sufficient cash flow
- Capital – Financial strength and equity contribution
- Collateral – Available security for the loan
- Conditions – Market and industry trends
Underwriting & Due Diligence
Underwriting & Due Diligence - Financial Analysis – Stress testing repayment
- Asset Valuation – Assessing collateral strength
- Legal & Regulatory Checks – Confirming ownership, liens, and compliance
- Industry-Specific Risk Assessment – For energy investments, we analyze reserves, production economics, and price sensitivities
Approval & Funding
Approval & Funding - Final investment decisions are made by our Investment Committee
- Legal agreements are executed, and security is registered
- Funds are disbursed with structured monitoring in place
Ongoing Monitoring
Ongoing Monitoring - Regular financial reporting and covenant reviews
- Performance tracking against agreed-upon benchmarks
- Periodic management reviews to ensure long-term stability
Case Studies: Alternative Investments in Action
Discover how Invico’s alternative investment funds have helped investors across Canada and beyond achieve growth.
Meet Our Investment Team
At Invico, our Investment Team is the cornerstone of our commitment to ethical and thoughtful investment strategies. With diverse expertise across sectors, our team combines experience, integrity, and a shared passion for creating value that aligns with our values of transparency and sustainability.
Get Started with Alternative Financing Today
Interested in submitting a financing request or learning more about our investment criteria?