Application
Businesses connect financial, banking, operating, and collateral data to Dimebridge. Dimebridge creates a reusable business profile and financing request. Applications are submitted at no cost.
The AI-native marketplace
Main Street Assets.Wall Street Capital.
Businesses bring their assets. Investors bring their capital. Dimebridge underwrites, matches, and manages the transaction.
The disconnect
Wall Street is built for scale. Main Street is not.
Wall Street
$6.5T+annual U.S. secured-finance transaction volume
$72.6Maverage new bank ABL deal size in Q4 2025
Main Street
99.9%of U.S. businesses are small businesses
79%of active U.S. corporations report less than $500K in total assets
Sources: Secured Finance Network; U.S. SBA Office of Advocacy; IRS Statistics of Income.
The impact
Main Street is locked out of a market built around institutional transaction sizes.
Receivables, inventory, equipment, and contractual cash flows can support financing. The problem is making fragmented assets economical to verify, underwrite, fund, service, and manage.
The solution
A managed marketplace for asset-based finance.
01
Businesses bring assets.
Receivables, inventory, equipment, and contractual cash flows become the basis for financing.
Underwrite.
Match.
Manage.
02
Investors bring capital.
Capital partners define the asset type, return, duration, risk, concentration, and transaction size they want.
Businesses receive liquidity to grow. Investors access diversified asset-backed returns.
Capital comes first
Dimebridge underwrites against live investor mandates.
Dimebridge first onboards capital partners and defines what they are willing to finance.
Mandates specify asset type, target return, duration, risk, concentration, advance rates, and transaction size.
This keeps underwriting aligned with actual market demand before expensive diligence begins.
The Dimebridge model
From application to repayment.
Every funded transaction moves through the same controlled lifecycle.
AI Screening
AI screens each opportunity against credit policy, asset eligibility, and live investor mandates. Ineligible deals are filtered before costly diligence begins, and denied applicants receive an explanation report.
Verification
Qualified opportunities advance to formal diligence and compliance review. Dimebridge verifies ownership, identity, sanctions, liens, documentation, and underlying assets. A diligence deposit helps cover third-party costs and is credited at closing if funded.
Underwriting
Dimebridge evaluates collateral, cash flow, leverage, concentration, and downside risk. The Credit Team determines advance rates, financing amount, pricing, covenants, reserves, and recommended terms in a standardized Dimebridge Credit Memo.
Match
Dimebridge matches qualified opportunities with investors whose mandates fit the transaction. Smaller exposures can be aggregated into larger diversified portfolios for institutional investors.
Negotiate & Close
A Dimebridge Deal Manager owns the transaction from term sheet through closing. Dimebridge coordinates commercial negotiations while outside counsel finalizes documentation, collateral perfection, and closing requirements.
Fund
Once terms are agreed and closing conditions are satisfied, investor capital is deployed through controlled accounts, partner banks, escrow, or SPVs where appropriate. Investor funds never enter Dimebridge operating accounts.
Service & Monitor
Dimebridge monitors collateral, liquidity, covenants, collections, and borrower performance; reconciles cash flows; identifies exceptions; and delivers investor reporting. Investors may also appoint Dimebridge to actively manage funded assets, including reserves, advances, waivers, amendments, workouts, and recoveries.
Repayment
Dimebridge reconciles collections and distributes principal, returns, and applicable fees. Once obligations are satisfied, collateral and liens are released, and performance data feeds future screening, underwriting, matching, and portfolio construction.
How Dimebridge makes money
Three primary cash flow generators.
01
Origination Fees
Earned when a financing closes and capital is deployed.
02
Recurring Administration Fees
Earned while Dimebridge services, monitors, reconciles, and reports on funded assets.
03
Data-Related Fees
Generated from permissioned, aggregated, and de-identified underwriting and performance intelligence.
Additional economics: diligence fees offset verification costs and are credited if funded; asset-management fees apply when investors elect active Dimebridge management.
Go-to-market
Prove the marketplace in a controlled market, then scale what performs.
1
Capital Partners
Onboard pilot capital partners and establish initial investment mandates.
2
Pilot Partners
Onboard pilot businesses across receivables, inventory, equipment, and contractual cash flows.
3
Pilot Launch
Finance and manage the first assets to prove origination, capital deployment, servicing, and credit performance.
4
Scale Platform
Expand both sides of the marketplace through capital relationships, referral partners, integrations, and targeted distribution.
Scale trigger: demonstrated funding conversion, credit performance, servicing economics, and repeat demand from both businesses and capital partners.
Market opportunity
A large market with a measurable small-business wedge.
Total Addressable Market$6.5T+
Annual U.S. secured-finance transaction volume.
Serviceable Addressable Market$257.8B
Annual originations of business loans below $1M.
Serviceable Obtainable Market$89.1B
Annual originations to businesses with less than $1M in annual revenue.
Sources: Secured Finance Network; FFIEC CRA data.
Founder-market fit
Built from institutional experience.
William H. Ray, III spent nearly a decade underwriting, structuring, and managing institutional investments at Goldman Sachs and Wells Fargo.
His experience includes managing investments within a $3B+ portfolio, underwriting $10M-$500M transactions, and serving as a senior investment leader on a $1B nationwide Opportunity Zone fund.
“The people deserve to reap the benefits of the value and capital that they created.”Request Investor Deck