Diamond Creek specializes in providing creative financing solutions to middle-market companies with a target funding size of $1–15 million.
California Lender's License / DFPI License: 603-F654 · NMLS: 2326723
Diamond Creek provides a broad range of senior and junior debt solutions primarily for recapitalizations, equity-sponsored acquisitions, and growth investments, including:
Capital for profitable companies with recurring revenue and defensible market positions seeking growth financing that falls outside traditional lender requirements.
Senior and junior debt structures for leveraged buyouts, equity-sponsored acquisitions, and management buyouts where traditional lenders cannot provide full financing.
Recapitalization and turnaround financing for companies with strong underlying assets and revenue streams navigating temporary operational or structural challenges.
Target market companies with $10M to $50M in revenue and a minimum EBITDA of $1.0 million. DCC crafts structured credit facilities uniquely suited to the specific needs of each client, with a target funding size of $1 to $15 million. Such flexibility frees businesses from the tight constraints of more traditional lenders, allowing them to prosper.
Target investment size of $1 to $15 million. Specific products include:
DCC has the flexibility to provide any combination of the following:
Flexible revolving credit facilities that allow borrowers to draw, repay, and re-draw funds as business needs evolve — ideal for working capital and seasonal requirements.
Both amortizing and non-amortizing term loan structures are available, giving borrowers the ability to match debt repayment schedules to actual cash flow generation.
Capital expenditure lines of credit for companies investing in equipment, infrastructure, or capacity expansion needed to support growth or operational improvements.
Short-term bridge facilities designed to provide immediate liquidity while longer-term financing is arranged — structured to close quickly for time-sensitive situations.
Casinos, gaming technology, and adjacent entertainment businesses
Digital media, broadcasting, content, and publishing companies
Software, SaaS, communications technology, and IT services
Non-bank lenders, consumer finance companies, and specialty credit businesses with recurring revenue streams and proven loan performance.
Asset-rich manufacturers with identifiable collateral, recurring customer relationships, and defensible market positions in their respective niches.
B2B service businesses with contracted or recurring revenue, low capital intensity, and strong client retention across a diverse customer base.
Consumer-facing brands with established distribution, brand recognition, and consistent sell-through at retail or direct-to-consumer channels.
SaaS, enterprise software, and communications technology businesses with predictable subscription revenue and high gross margin profiles.
DCC evaluates opportunities across all industries. Our underwriting is driven by business fundamentals — cash flow, enterprise value, and exit alternatives — rather than sector alone.
Diamond Creek is a full-service commercial lender that specializes in special situations lending. Our California Lender's License / Department of Financial Protection & Innovation (DFPI) License is 603-F654. Our NMLS number is 2326723.
The company was founded in October of 2005 to provide creative debt financing to underserved, lower-middle market businesses. We work with target market companies with $10 million to $50 million in revenue and a minimum EBITDA of $1.0 million.
The founders, Rosemary Nguyen and Tom Harrison, have worked together continuously for over seven years. They have worked in virtually every facet of secured lending including senior management, marketing, underwriting, loan closings and portfolio management.
Before co-founding Diamond Creek, Mr. Harrison was a Managing Director with Roth Capital Partners where he co-managed RCP's Debt Capital Markets / Private Placements Group. Prior to joining Roth Capital, Mr. Harrison was a Senior Vice President / Business Development Officer with Wells Fargo Foothill, a leading commercial finance company with over $20 billion in loan commitments.
During his 30-year career in the senior debt and asset-based lending industries, Mr. Harrison has personally negotiated and closed over two hundred leveraged transactions aggregating in excess of $2.8 billion in medium-high risk loans and investments. He has worked in virtually every facet of secured lending including senior management, marketing, underwriting, account management and credit administration.
Mr. Harrison has been a frequent guest speaker and panel member at industry conferences including the Association for Corporate Growth's Annual Middle Market Conference, the Los Angeles Venture Association (LAVA) Annual Investment Capital Conference, and the American Electronics Association (AEA) Regional Conference. He received his B.S. in Economics from Allegheny College and his M.B.A. from Pepperdine University.
Prior to the formation of Diamond Creek, Mr. Breed was a Principal and Founder of Breakthrough Capital LLC, a financial advisory firm serving the needs of middle market companies. Immediately prior to Breakthrough Capital, Mr. Breed was Vice President of Finance for Gores Technology Group, a leading private equity firm based in West Los Angeles. He has also held senior positions at Greyhound Financial Corp., Finova Capital Corporation, Bank of America Business Credit, Security Pacific Business Credit, and Kidder, Peabody & Co.
During his 30-year career, he has been involved in the underwriting of literally hundreds of middle-market commercial asset-based and cash flow reliant financings for acquisition financing, refinancing, and growth financing. He has performed an array of roles during his lending career including Marketing Officer, Credit Officer, Credit Committee Member, Underwriting Manager, Senior Underwriter, and Field Auditor.
During his time in private equity, Mr. Breed negotiated acquisitions, performed due diligence and raised capital to provide for acquisitions of companies as large as $800 million in revenues. Additionally, he managed the finances of a portfolio of approximately 20 companies. Mr. Breed is also a principal and significant shareholder of several private companies involved in education, technology licensing and finance. He has a Bachelor of Arts in Business and Economics from University of California at Los Angeles and resides in Southern California.
Ms. Nguyen is an active investor with portfolio companies including The Inventure Group, Café Valley, Help-U-Sell, Eplan LLC, Diamond Creek Capital, and Orchid Management LLC, with investments in excess of $1 million per company.
From 1995 to 2006, Ms. Nguyen worked as founder and Managing Partner of iCapital Finance, an investment banking firm with focus in equity and debt placement for small to mid-market companies. Prior to founding iCapital Finance, Ms. Nguyen was CFO then CEO of the U.S. operation of ACAL Electronics LTD (London Stock Exchange: ACL) from 1984 to 1992.
Ms. Nguyen holds a B.A. in Business Administration with concentration in Accounting from California State University, Fullerton.
DCC structures credit facilities against non-traditional collateral types — including enterprise value, recurring revenue, and intellectual property — that traditional lenders routinely overlook.
Loans to lower middle-market companies secured by enterprise value, enabling growth capital for businesses with strong cash flows but limited hard-asset collateral.
DCC tailors each facility to match the borrower's actual cash flow cycle — with the ability to offer interest-only periods, PIK options, and customized repayment schedules.
The founding partners are involved in every transaction from first call through final repayment, providing borrowers with a consistent, knowledgeable point of contact throughout the loan term.
Our streamlined operating model keeps overhead low, enabling DCC to price competitively and move quickly without the bureaucracy of larger institutional lenders.
A flat management structure ensures intimate client relationships, rapid decision-making, and execution. Borrowers work directly with decision-makers — not intermediaries — from day one.