Higher Education Institutions are facing numerous challenges, all of which affect the bottom line and long-term stability of the institution.
In addition to diminishing cash reserves, large amounts of long-term debt, increasing discount rates, and significant changes to the higher education landscape (e.g., online vs. on-campus programs), there is a projected long-term plateau in the number of high school graduates.
Quickly increase cash flow
Create an internal line of credit
Refinance existing loans
Build new facilities
Hire more staff and faculty
Launch new programs
Emerge has an exclusive partnership with Blackford Ventures to bring creative financing solutions t0 higher education institutions.
Blackford Ventures is backed by several large banks including Goldman Sachs and Key Bank in the amount of $1 billion.
The Lease-Leaseback Model
The Sale-Leaseback Model
A Sale-Leaseback resembles a hybrid debt product. The institution does not increase its debt load but gains access to capital through the sale of assets. This transaction allows for the institution to concentrate on their primary business functions and invest/grow their organization in those areas that are central to their strategic plan. Most of the fortune 1000 companies do not own their own real estate for this reason.
Higher Education Loan Program
Through Blackford and their financial partners, the institution is the beneficiary of a total funding solution. The proceeds of the agreement will be available to the institution to use as they see fit. The institution’s primary source of repayment will be to pledge a portion of their Federal Loan Proceeds – only equal to one year’s principal and interest payments based on the principal amount of the loan. The funding effectively emanates from the Federal Government, which drives the costs down since the government currently enjoys an AA+ S&P rating.
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Blackford Ventures, LLC is a private, equity firm based in Lancaster County, Pennsylvania that invests in successful, growth-oriented businesses that desire to maximize market potential.
Blackford also provides private and public entities with access to capital and has partnered with Emerge Education, LLC to provide the same level
of business excellence and financial opportunity to higher education institutions.
Get Started Today!
To learn how Emerge Education can unlock your assets and position your institution for success – now and for the future.
Comprehensive Risk Management for Higher Education
Risk Cooperative provides organizations holistic risk management, helping them to mitigate against all classes of risk.
Leveraging this enterprise-wide risk analysis, Emerge Education has partnered with Risk Cooperative and Ridge Global to provide institutions with access to a suite of insurance programs and solutions that will reduce their operational risk, provide them with economies of scale, and create added value.
Protect your institution and your balance sheet against costly and evolving data breaches, intrusions, ransomware or other malicious actors.
Protect your institution against financial and reputational risks in the event of physical security threats including active shooter situations and acts of terrorism.
Provide students with the means to continue their educational careers in the event of loss or other qualifying life-changing events.
International Program Protection
Protect your students across the globe in the event political risks, kidnap and ransom, severe weather events, or emergency evacuation situations.
Unlike natural disasters or other events that can disrupt your business, cyber-attacks occur every minute of every day in every industry. While the threat cannot be eliminated, Ridge Global can help you aggressively evaluate and manage your risk. We continually evaluate emerging tools to address evolving threats so you can be assured that you have access to the best and latest solutions.
Ridge Global was founded by Tom Ridge, the first U.S. Secretary of Homeland Security and 43rd Governor of Pennsylvania, to help organizations decrease security risks. He has assembled a team of globally recognized experts who offer clients strategic counsel on identifying, preparing for, and mitigating risk.
Risk Cooperative is a specialized strategy, risk, and advisory firm helping organizations to better manage risk, and limit their exposures. Operating on a global scale, Risk Cooperative works hand-in-hand with organizations to identify, mitigate, and reduce the key exposures that would otherwise derail their operations.
As an extension of the client’s team we are able to address all classes of risks and insurance placements. Where a need arises that is otherwise unaddressed by the current set of available insurance solutions, Risk Cooperative is able to custom-design bespoke solutions.