About Bison Financial
Bridging Capital and Strategy in Retail & Wholesale Energy Markets
Bison Financial is a specialized energy finance company focused on deploying capital through semi-revolving debt facilities to Energy Service Companies (ESCOs) and Retail Energy Providers (REPs).
Where traditional lenders see complexity, we see opportunity. Our deep expertise in deregulated energy markets, ISO frameworks, and utility-backed receivables allows us to structure innovative financing solutions that power growth for energy companies across the United States.
Market Access
Deep knowledge of ISO frameworks including NYISO, PJM, ERCOT, MISO, and CAISO to navigate complex market entry barriers.
Financial Innovation
Creative financing structures including semi-revolving debt facilities and Prime+ rate structures designed for the energy sector.
Network Effect
Extensive relationships across retail and wholesale energy markets connecting capital with opportunity through proven deal-making.
The Opportunity
An Underserved Lending Landscape
Energy Service Companies require specialized capital that traditional lenders do not understand. Bison Financial fills this critical gap with purpose-built lending solutions.
A large, fragmented market of energy companies underserved by traditional banking.
Deregulated energy markets across the country where ESCOs and REPs operate.
The massive addressable market of consumers and businesses served by ESCOs.
How It Works
The Mechanics of Deployment
Our lending process is designed for the unique cash flow dynamics of the energy sector, secured by utility-backed receivables and controlled lockbox accounts.
ISO Postings
$200,000+ cash assigned to lender in a controlled account, establishing the foundational security position.
Lockbox Architecture
Receivables flow into a lockbox setup with controlled cash and minimal balance exposure.
Usage-Based Draws
Invoice payments are based specifically on actual energy usage and commodity pricing.
Monthly Cadence
Five draws per month with one paydown, maintaining consistent capital deployment rhythm.
For ESCOs & REPs
Financing Built for Energy Companies
Whether you need growth capital, M&A financing, or working capital against your receivables, our facilities are structured for how your business actually works.
Facility Structure
Qualification Criteria
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Industry Experience 5+ years of industry activity
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Credit Score Minimum 680 FICO
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Debt Coverage Minimum 1.25x DSCR
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Leverage Maximum 5.0x Debt to EBITDA
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Loan-to-Value Maximum 80% LTV
For Investors
A Compelling Risk-Adjusted Return
Bison Financial offers investors exposure to a niche lending market with structural protections, strong historical returns, and utility-backed collateral.
Risk Mitigation Architecture
Leadership
Experienced Energy Sector Leadership
Brian Wolford
Principal, Bison Financial
A seasoned business development professional with over 15 years of dedicated experience in the energy sector. Brian has been instrumental in launching and leading pioneering initiatives within publicly traded utilities, scaling businesses by managing marketing, inside sales, and operations simultaneously.
His deep expertise spans market entry strategy, innovative financing solutions, and relationship building across both retail and wholesale energy markets. Brian holds an MBA from Drexel University and a BS in Psychology from Kutztown State University, complemented by SJI Executive Training.
Get in Touch
Let's Discuss Your Capital Needs
Whether you're an ESCO seeking growth capital or an investor looking for compelling risk-adjusted returns in the energy sector, we'd like to hear from you.