About Canine Capital Private Credit Bank (PCB)
We are a Collaborative Private Credit Bank (PCB) a next-generation credit institution—structured as a private credit facility, not a depository bank—that blends the strengths of traditional banking discipline with the flexibility, customization, and accessibility of private markets for the $25B pet hospitality asset class.
We are specialized lending where borrowers, operators, investors, and communities all benefit from alignment, real asset collateral, transparent data, and stable yield.
Better lending → Better businesses → Better care for dogs
Asset-Based Finance (ABF)
“Asset-Based Finance (ABF) — Each loan is secured by tangible real estate and operational assets. This structure protects principal, enhances yield stability, and ensures investor capital is always backed by real value.”
Revenue-Based Lending (RBL)
“Revenue-Based Lending (RBL) — We provide capital secured by predictable kennel revenues. Investors earn monthly income as borrower repayments are tied directly to business performance, not speculative growth.”
Who borrows from Canine Capital (PCB)?
Canine Capital (PCB) provides financing to independent boarding kennel operators and entrepreneurs across the United States. Borrowers include new kennel startups seeking capital to purchase or build their first facility, as well as existing operators expanding capacity, adding grooming or training services, or upgrading real estate assets. We also provide working capital and revolving credit lines to support seasonal cash flow, marketing, and operational improvements. Each loan is asset-backed or revenue-based, offering flexible repayment structures tailored to kennel business performance. In short, Canine Capital serves the professionals who care for dogs—helping them scale their businesses, with dependable, collateralized private credit financing.
Collateralized Kennel Acquisition Financing
Scenario: Asset-Backed Financing for purchase.
An experienced dog boarding operator identifies a profitable, family-run kennel listed for sale at $1.2 million. The facility includes 60 kennel runs, on-site grooming, and 3 acres of commercial real estate. Through Canine Capital’s Asset-Backed Finance (ABF) program, the borrower secures 100% financing—the loan collateralized by both the real estate and operating business cash flow. The borrower repays the loan through monthly distributions generated from boarding revenue, while Canine Capital holds a first-lien position on the property. Over 36 months, the business expands to full occupancy, increasing EBITDA by 25% and delivering stable returns to investors through secured, asset-backed income.
Revenue-secured Development Loans
Scenario: Revenue-Based Lending line-of-credit.
A regional boarding kennel with strong customer loyalty seeks $200,000 to add 20 new runs. Instead of traditional collateral, Canine Capital’s Revenue-Based Lending (RBL) model ties repayment directly to the kennel’s gross revenue. The borrower agrees to pay a % of daily receipts (sweep) until the principal plus a capped return is fully repaid. As occupancy and subscription revenue grow, payments adjust proportionally—aligning lender and operator success. This flexible structure allows the kennel to expand without taking on fixed debt, while investors earn steady, performance-driven returns from recurring cash flow.
Canine Capital (PCB) operates with the same financial discipline, structure, and accountability as a traditional bank and registered with the Securities and Exchange Committee (SEC) — but without the friction of legacy banking systems or the regulatory constraints that slow opportunity down.
Instead of member deposits like at a legacy bank, (PCB) raises investor capital through secured promissory notes — fixed-term, fixed-yield instruments that function like time deposits. Those funds are deployed into the real economy through Revenue-Based Lending and Asset-Backed Financing — generating predictable returns for investors and growth capital for businesses.
(PCB) is a modern financial engine, built on the principles of sound underwriting, collateralization, and disciplined capital allocation. Every dollar is secured, every loan is asset-backed, and every noteholder earns a contractual yield supported by tangible value.
SEC Regulation and State Registered
We serve a $25 Billion Market with Direct Lending, Financing, and Asset Investment
(PCB) serves a growing national market exceeding $25 billion — businesses and entrepreneurs seeking flexible credit outside traditional banks.
We specialize in two categories of lending that combine performance, collateral, and recurring cash flow:
Revenue-Based Lending
Designed for operating businesses with proven revenue streams.
Loans scale with monthly revenue, offering liquidity without equity dilution.
Perfect for expansions, remodels, or new locations.
Asset-Backed Financing
Loans secured by real, income-producing assets — such as commercial properties, business equipment, or kennel facilities.
Ideal for acquisition, refinancing, or construction of boarding-kennel businesses and pet-care infrastructure.
Structured with first-lien collateral, predictable amortization, and disciplined risk management.
Broker Dealers, RIAs, Custodians, and Investors
Canine Capital (PCB) welcomes inquiries from registered broker-dealers, custodians, investment advisors, institutional partners, and accredited investors seeking to participate in — or distribute — structured, asset-backed private credit offerings.
(PCB) operates with the discipline of a regulated financial institution and the flexibility of a private credit fund. Our fixed-term, fixed-yield promissory-note programs and institutional-grade credit facilities are designed to serve investors seeking predictable income secured by tangible collateral.
We value long-term relationships built on transparency, compliance, and mutual success. Whether you represent a client base seeking alternative yield, a family office exploring income diversification, or a broker-dealer interested in qualified offerings, our management team welcomes your inquiry.