Is RDG a fund?
No. RDG Digital Holdings Inc. is a direct, founder-led private capital firm. No LP layer, no fund vehicle, no committee process. Credit partners engage with the principal who signs the note.
For Lenders
Debt Capital for a quietly compounding digital health portfolio.
We selectively invite credit capital partners into specific portfolio transactions. Proven cash flows. Health and wellness assets. Founder-accountable.
Deal Characteristics
Asset Class
Health & wellness operating companies
Cash Flows
Proven, recurring revenue streams
Entity Type
Ontario CCPC — founder-led
Use of Capital
Acceleration, tuck-in acquisitions, growth
Security
Company assets, receivables, personal guarantee
Typical Size
$500K – $5MM per tranche
Why Lend to RDG Portfolio Companies
Proven cash flows. Embedded operators. Founder accountability.
Every RDG portfolio company is run by a lean core team with one key leader inside the business, leveraging hundreds of professionals through our Silver Birch Growth network and clinic partners. That execution density translates directly to cash flow reliability.
We target health and wellness businesses with recurring or highly predictable revenue. We understand the operating model before we write the first cheque.
We use acceleration capital strategically — tuck-in acquisitions, equipment, working capital for growth phases. We are disciplined borrowers.
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Health & wellness assets — stable demand cycles
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Recurring revenue model — predictable repayment
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Ontario CCPC — clean corporate structure
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Founder personally accountable on every deal
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>60% 9-year CAGR — proven capital allocation
How We Structure Credit
Calm, conventional structures. Underwritten on cash flow we already operate.
We don't engineer exotic paper. Most facilities are senior secured against operating assets we already control, with additional support from contracted, insurance-paid receivables. Below is the shape of how we typically structure — actual terms are negotiated per asset and per partner under NDA.
Typical Structures
Senior secured term debt is the default. Mezzanine, asset-backed lending against receivables, sale-leaseback, and revenue-based financing are used where the underlying asset suits them better.
Security Package
First-lien General Security Agreement at the operating-company level, supported by specific charges over receivables and equipment. Where appropriate, parent guarantees up the holding-company chain.
Repayment Sources
Recurring insurance-paid paramedical billings and contracted patient receivables (Align), retainer revenue (SBG), and brand-funded post-checkout demand (ScaleHealth). Repayment is sourced from operating cash, not refinancing risk.
Term & Sizing
Facilities typically $500K–$5MM per tranche, $25MM aggregate exposure across the portfolio. Tenors generally three to seven years amortizing, with shorter bridges around acquisition closings.
Personal Accountability
The founder is personally guaranteeing on every facility. No LP layer to hide behind, no fund vehicle to walk away from. Decisions made by the principal who signs the note.
Available Under NDA
Trailing operating financials, receivables aging, contract registers, asset schedules, and historical DSCR coverage by entity. We share the underwriting pack lenders actually need, not a pitch deck.
Indicative only. All structures, security packages, and pricing are negotiated per asset and per partner under NDA. Nothing on this page is an offer to lend or to issue securities.
Lender FAQ
The questions credit partners ask first.
What does the security stack typically look like?
First-lien GSA at the operating-company level, supported by specific charges over insurance-paid receivables and equipment. BDC and senior bank facilities sit alongside vendor take-back and cash on acquisition stacks.
Where does repayment come from?
Operating cash flow from contracted, recurring revenue lines — paramedical billings, network retainers, brand-funded demand. Not refinancing risk. Not a future exit.
What's the typical facility size and tenor?
$500K–$5MM per tranche, $25MM aggregate exposure across the portfolio. Three- to seven-year amortizing tenors are typical, with shorter bridges around acquisition closings.
Are deals at the corporate, asset, or SPV level?
Most facilities sit at the operating-company level (e.g. Align Wellness Group, SBG) with optional parent guarantees up the RDG holding-company chain. SPVs are used selectively for acquisition-specific bridges.
What does the founder personally stand behind?
A personal guarantee on every facility. The principal underwriting the structure is the same individual operating the underlying business — no insulation between the borrower and the operator.
What information is available under NDA?
Trailing operating financials, receivables aging, contract registers, asset schedules, historical DSCR coverage by entity, and a written summary of the underlying operating model. We share what credit teams actually underwrite to.
How fast does a typical conversation move?
First call within a week of an introduction. Indicative term sheet within two weeks of receiving a clean information pack. We don't run lenders through an extraction process.
Lender Inquiry
Lender Inquiry Form
Reach us directly with your capital availability and preferred structures. We'll follow up within 5 business days.