Private Capital & Structured Lending
Capital solutions built with the discipline of a ledger, not a form letter.
OR Lending IC LLC arranges and originates structured financing for businesses, sponsors, and real estate owners across the New York market — bringing institutional-grade underwriting to transactions that move faster than traditional bank timelines allow.
Ledger — Active Facilities
§ 01 — About Us
A New York entity built for disciplined, transparent lending.
Organized as a limited liability company under United States law and headquartered in Manhattan's financial corridor, OR Lending IC LLC operates with the structure and accountability our clients expect from a Park Avenue address.
OR Lending IC LLC is a private lending and capital advisory firm registered as a limited liability company in the United States, with its principal office at 399 Park Avenue, 37th Floor, New York, NY 10022. Our position within one of the country's most established financial districts reflects the standard we hold ourselves to: precise documentation, clear terms, and a lending process that a business owner or sponsor can actually follow from first call to closing.
The firm was formed to serve a segment of the market that traditional depository institutions are often too slow, or too rigid, to reach — small and mid-sized businesses, commercial property owners, and sponsors who need structured capital on a timeline that matches the opportunity in front of them. We combine conventional underwriting discipline with a direct, relationship-driven approach to originating and structuring credit.
As a limited liability company, OR Lending IC LLC maintains a distinct legal and financial identity from its members, in accordance with applicable state LLC statutes. Every engagement is documented, every fee is disclosed in writing, and every borrower relationship is handled through the contact channel listed at the foot of this page.
New York, NY 10022
§ 02 — Services
Financing structures, not one-size-fits-all loans.
Each facility is underwritten around the borrower's actual cash flow and collateral position, with terms disclosed in full before any commitment is signed.
Bridge & Interim Lending
Short-term financing designed to cover the gap between an immediate capital need — an acquisition, a maturing obligation, a time-sensitive opportunity — and the borrower's permanent financing or exit event. Structured with clear terms and a defined repayment path from the outset.
Commercial Real Estate Capital
Capital solutions for owners, investors, and sponsors of commercial and multi-family real estate, including acquisition financing, refinancing, and capital for value-add repositioning, sized against the asset's underlying performance.
Structured Credit Facilities
Customized credit lines and term facilities built around a business's revenue cycle, receivables, or asset base — for working capital, equipment, inventory, or growth financing where a standard bank product doesn't fit the situation.
Advisory & Loan Structuring
Independent guidance on structuring a capital request before it goes to market — evaluating collateral, cash flow coverage, and term options so borrowers approach financing conversations with a clear, defensible plan.
§ 03 — How We Work
A documented process from inquiry to close.
Transparency is a structural requirement of every engagement, not a marketing claim — each stage below is disclosed to the borrower in writing.
Initial Review
You submit your financing need by email; we confirm receipt and outline the information required to proceed.
Diligence
We assess cash flow, collateral, and structure, and communicate any findings directly and in plain terms.
Written Proposal
A term sheet is issued in writing, disclosing rate, fees, and conditions before any commitment is made.
Funding
Final documentation is executed and the facility is funded according to the agreed schedule.
§ 04 — Contact
Start with a direct conversation.
Every inquiry is reviewed personally. Reach us using the details below.
Office
Our principal office is located in Manhattan's Plaza District, within walking distance of Grand Central Terminal.
New York, NY 10022, USA
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