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Mill City is a short-term non-bank lending and specialty finance company focused on lending/investing in private and small cap companies on both a secured and unsecured basis. The principal specialty finance solutions we provide are high-interest short-term lending arrangements. These lending arrangements typically involve collateral as security for the borrower's repayment of funds to us. In some circles, short-term high-interest collateralized lending is referred to as "hard-money lending". The loans we provide typically have maturities that range from nine to twelve months and may involve a pledge of collateral or, in the case of loans made to companies, personal guarantees by the principals of the borrower.