Specialty finance . Private credit
Institutional access to specialty finance.
Diversified exposure to U.S. and Canadian small-business receivables.
Cadi International Capital acquires and manages diversified portfolios of short-duration small-business receivables. Through partnerships with established financing providers across the United States and Canada, we provide accredited investors, family offices, and institutional partners access to a historically underserved segment of private credit — one defined by frequent cash-flow generation, short asset duration, and disciplined risk management.
Founded
2014
Headquarters
Coral Gables, FL
Coverage
U.S. & Canada
Structure
SPV-held
Why institutional investors work with Cadi.
Specialized expertise
More than a decade focused exclusively on small-business cash-flow receivables.
.01
Diversification by design
Capital allocated across multiple funding partners, industries, states, and merchants.
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Control and alignment
Cadi maintains control rights over each deal and shares in its economics, while originating partners keep significant exposure and operate each transaction they fund.
.03
Short asset duration
Underlying receivables generate recurring cash flows and faster capital turnover than many traditional private credit strategies.
.04
Scalable platform
A proven operating model designed to support institutional growth while maintaining underwriting discipline.
.05
Capital preservation focus
Conservative concentration limits and active oversight aim to protect principal across varying conditions.
.06
Cadi International Capital is a specialty finance investment manager providing diversified exposure to U.S. and Canadian small-business receivables through disciplined portfolio construction, rigorous risk management, and strategic partnerships with established financing providers.
Investment strategy
A diversified private credit strategy.
Cadi invests in portfolios of small-business receivables generated through revenue-based financing and merchant cash advance transactions. The firm performs independent portfolio analysis and ongoing monitoring while partnering with experienced originators that maintain meaningful economic exposure alongside Cadi. Cadi maintains control rights over each deal and shares in its economics, while its funding partners operate and service each transaction. We maintain live, around-the-clock visibility into every deal across all funding partners.
For sophisticated investors
Institutional access, without the operational burden.
Investors seeking exposure to specialty finance often face the burden of sourcing, underwriting, and monitoring these assets directly. Cadi provides that access through an established investment platform and a disciplined risk-management framework.
Cadi works with
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Accredited investors
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Family offices
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Independent sponsors
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Private credit allocators
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Institutional capital partners
Cadi does not publish performance figures, yields, or offering terms on its public pages. That information is provided only to verified accredited investors through Investor Access.
Platform & governance
A diversified investment model, held in a dedicated SPV.
Rather than concentrating capital with a single originator, Cadi allocates across multiple financing providers. The portfolio is held in a dedicated special purpose vehicle (SPV), into which the receivables are transferred and held separately from the operating businesses of Cadi and its funding partners. Cadi acts as sponsor and manager and maintains ongoing oversight of the portfolio, while its funding partners operate and service each transaction.
Risk mitigation matrix
Risk is managed by design, not by exception.
Each control operates across one or more portfolio dimensions. Specific thresholds are set in the offering documents and disclosed to verified accredited investors; the framework below describes where each control applies.
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applies
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not applicable
| Control | Merchant | Funding Partner | Originator (ISO) | Industry | Geography | Position | Duration |
|---|---|---|---|---|---|---|---|
| Concentration caps | |||||||
| Priority & seniority screen | |||||||
| Delinquency thresholds | |||||||
| Partner-alignment requirement | |||||||
| Continuous monitoring |
Concentration caps
Merchant
Funding Partner
Originator (ISO)
Industry
Geography
Position
Duration
Priority & seniority screen
Merchant
Funding Partner
Originator (ISO)
Industry
Geography
Position
Duration
Delinquency thresholds
Merchant
Funding Partner
Originator (ISO)
Industry
Geography
Position
Duration
Partner-alignment requirement
Merchant
Funding Partner
Originator (ISO)
Industry
Geography
Position
Duration
Continuous monitoring
Merchant
Funding Partner
Originator (ISO)
Industry
Geography
Position
Duration
Together, these controls seek to mitigate idiosyncratic risk while preserving scalable deployment capacity. Alignment of interest with originating partners and Cadi's control rights over each deal sit alongside the limits above.
Deployed since inception
Built for capital preservation and consistent cash flow.
Founded in 2014, Cadi International Capital was created to provide investors access to an asset class traditionally dominated by specialized finance companies and private credit funds.
Our investment philosophy
- Diversification over concentration
- Data over intuition
- Cash flow over speculation
- Risk-adjusted returns over headline returns
Roles and structure
Who does what, and what Cadi keeps.
Investor Access
For verified accredited investors.
Performance, vintage detail, offering materials, and the data room sit behind this gate. Access is limited to verified accredited investors.
Leadership
Talk to us.
For investor inquiries and general questions, reach us at the details below or send a note. We respond to qualified inquiries.