Explore lending against your full balance sheet

The platform identifies deal blockers, models your structure, and produces institutional-grade documentation — so you reach lending desks with a pre-qualified package, not an unstructured ask.

Built for UHNW Borrowers

Kalynto is designed for ultra-high-net-worth principals and families whose balance sheets require institutional-grade structuring. The platform identifies covenant conflicts, pledge restrictions, and structural gaps before they surface in diligence — saving weeks of back-and-forth and ensuring your deal reaches lenders pre-qualified.

Borrower Profiles

Kalynto is architected for mandates that look less like retail credit and more like complex, institution-grade balance sheets. Common profiles include:

Founders & Late-Stage Executives

Founders & late-stage executives navigating secondary sales, IPO lockup expirations, or acquisition earnouts with concentrated equity positions. Typical needs include pre-monetization margin facilities, 10b5-1 planning, and cashless collar strategies.

Family Office Principals

Family office principals overseeing multi-asset balance sheets spanning marketable securities, PE/VC/hedge fund interests, coastal and international real estate, aviation (G650, Global 6000+), yachts (30m+), and museum-grade art collections. Typical mandate size: $25M–$100M+ umbrella facilities with cross-collateral and quarterly revaluation protocols.

Closely-Held Business Owners

Closely-held business owners planning succession, recapitalizations, or generational transfers secured by operating company equity, commercial real estate, life insurance trusts, and estate structures. Often require bridge financing coordinated with estate and tax counsel.

Investment Principals (Alternatives-Heavy)

Investment principals with GP/LP stakes in multiple private funds and unpredictable capital call timing. Need liquidity structures that accommodate NAV volatility, secondary market constraints, and portfolio-level cross-collateralization.

Internationally-Mobile U.S. Families

Families with balance sheets spanning multiple jurisdictions. Multi-jurisdiction real estate, offshore trust structures, and cross-border tax planning. The platform models cross-border complexity without requiring you to simplify.

Control over when and how you engage

Explore options in private

Use Kalynto as a sandbox with your advisor to explore collateral, structures and potential borrowing ranges in private. Nothing is sent to any lender while you’re still shaping the mandate.

Curated lender slate, not a blast

When you’re ready to engage, Kalynto uses lender-defined policies, your mandate profile and your collateral mix to surface a small slate of likely-fit desks. You and your advisor choose which of those lenders to invite into the process.

Staged identity and documents

Before lenders: you and your advisor sandbox collateral and structures privately.

At engagement: Kalynto shares your identity, a concise PFS, and a summary view of your lender dossier (balance sheet, income, key metrics, document coverage, readiness tier) only with the curated slate you approve — not across dozens of desks.

In confirmatory: shortlisted lenders receive the full dossier — including underlying documents and provenance — so they can complete their own KYC and underwriting.

Curated lender slate

When you're ready to engage lenders, your profile reaches a curated slate anonymously. Competitive terms surface without noise — structured competition that saves you time and money. The platform identifies deal blockers before they cost you weeks.

From conversation to closing

1. Describe

Conversational intake, document upload, private sandbox

2. Build

Platform assembles institutional-grade dossier with provenance

3. Distribute

Curated lender slate, identity in escrow

4. Close

KYC, due diligence, binding terms

Credit-only or relationship-linked structures

Whether you're seeking standalone credit or exploring relationship-linked structures, the platform adapts to your objectives.

Concierge assurance

Dossiers are advisor-reviewed before distribution. The platform augments expertise — it doesn't replace it. Borrowers who engage directly can loop in an advisor at any stage.

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Frequently Asked Questions

Kalynto supports pre-IPO liquidity analysis. The platform models lending against concentrated stock positions, including restricted shares, lockup periods, and Rule 144 considerations. The analysis is presented to lenders who specialize in these structures.

The platform analyzes lending against marketable securities, private fund interests, real estate, aircraft, yachts, fine art, wine collections, vintage cars, digital assets, private company stock, sports team ownership interests, and other complex collateral. Each asset class has specific lending intelligence encoded in the platform.

Borrower identity stays in escrow throughout initial lender evaluation. Lending desks receive anonymized mandate previews showing balance sheet composition, coverage ratios, and collateral detail without knowing who the borrower is. Identity is revealed only when the borrower and their advisor choose to proceed.

No documents are required to start. The platform produces meaningful analysis from a conversation alone. Uploading financial documents like brokerage statements, tax returns, trust agreements, and loan documents unlocks deeper extraction, cross-document validation, and higher evidence confidence scores.

Compliance

Kalynto is a technology platform and is not a lender, broker, or investment advisor. Any indicative terms are non-binding and subject to KYC/credit approval. Identity remains confidential until you choose to proceed.