Who runs your deal
A senior banker runs every deal, from the first call to the close, and Carmine Bruno reviews every file before it goes to market. The credentials above are his, and each one can be checked. The analyst work (the model, the lender presentation, the teaser and the lender screen) is done by software, and the banker reads every page of it.
Bankers who join as we hire work the same way.
What that means on your file, specifically
Software reads it
BRUNO runs the underwriting tests against your documents: earnings, leverage, coverage, collateral and lender fit. It shows its arithmetic and flags anything the file does not establish.
A senior banker checks it
The model, the lender presentation, the teaser and the memo are read against your source documents, page by page, then shown to you before anyone else sees them.
A senior banker builds the lender list
The software screens the book by credit box, check size, sector and geography. The banker checks why each lender belongs, and you approve, by name, every lender who asks to see who you are.
A senior banker runs the competition
Term sheets are compared on rate, fees, amortization, covenants and structure, and the negotiation runs against the whole field rather than the first offer.
The founder signs it off
Carmine Bruno founded the firm and has final review on every file before it goes to market. Nothing reaches a lender he has not read.
The work, in order
- 01
Talk to a banker
A confidential first conversation with a senior banker about the company and what the capital is for. Then you send your banker the financials you already have: business returns, year-to-date statements and a current debt schedule. You do not need to know whether the package is complete.
- 02
Know exactly what is missing
BRUNO, our software, reads the documents, reconciles them and gives you a plain-English list of anything still missing. No email ping-pong. No guessing what a lender means by a full package. Your banker handles anything that requires judgment.
- 03
Approve the package
Once the documents are in, software builds the financing model, the lender presentation and the blind teaser in a day, and a senior banker reviews every page. You correct anything that needs context and approve the final version before it can move.
- 04
Match the right lenders
Software screens 1,800+ lenders by credit box, check size, sector and geography, and your banker narrows them to up to 50 of the strongest fits. You approve the anonymous teaser, and approve by name each lender who asks to see more.
- 05
Go to market under a codename
Matched lenders receive the credit metrics first — not your company, address or owners. Nobody pulls your credit to give an indication. A lender has to say what it would do before it learns whose file it is.
- 06
Keep the answers competing
BRUNO tracks opens, chases questions and keeps the process moving after hours. However many lenders answer, the strongest are run against each other on rate, structure, covenants and timing, and your senior banker negotiates the terms through to close.
Questions before you send anything? Talk to a banker, or write to me directly. I answer this address myself.
Carmine Bruno · Managing Partner, Midas Partners Group LLC.