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What minimum EBITDA do private credit lenders require?

Most cash-flow lenders size a loan off EBITDA and many set a floor, but few publish it. On TerraNova, 28 of 912 active funds publish a minimum EBITDA and 3 explicitly state no EBITDA minimum; the rest do not disclose one. Asset-based, equipment, real estate and venture lenders underwrite collateral, contracts or the investor syndicate rather than EBITDA, so a pre-profit or asset-heavy borrower should screen those structures first.

Figures from the researched book · updated Sep 14, 2026 · refreshed daily · rendered Sep 15, 2026