Calculated Risk – The Wright Brothers and the First Flight

Just as the Wright Brothers balanced courage with precision to achieve the first flight, Anne Capital approaches every investment with disciplined risk-taking. We embrace bold opportunities, but only after rigorous analysis and careful structuring, ensuring our customers benefit from outsized returns without unnecessary exposure.

Simplicity & Clarity – Leonardo da Vinci’s Notebooks

Leonardo taught that simplicity is the ultimate sophistication, and we hold that principle at the core of our dealmaking. By cutting through complexity and amplifying clarity, we deliver straightforward, transparent structures that protect capital and inspire confidence in every transaction.

Tenacity & Teamwork – The Story of Sisyphus

While some deals can feel Sisyphean, persistence and collaboration ensure they reach completion. At Anne Capital, our team’s tenacity drives results even in challenging markets, securing favorable terms and delivering lasting value to our customers. Success looks more like a stepwise function where no progress can occur but the right circumstance after persistent effort can align and value is created.

Credit for founders shaping markets.

Credit for culture creating value.

Anne Capital is a consumer-focused credit fund led by Julie Baghajian, whose rare combination of billion-dollar Wall Street ABL experience and instinctive understanding of modern beauty and CPG brands enables her to finance opportunities legacy lenders cannot see.

Portfolio

Anne Capital in the making.

Financial Analysis

Built models, evaluated debt capacity, and assessed revolver availability to support credit risk assessment and syndications.

Deal Execution

Managed full credit cycle — collateral analysis, structuring, syndications, memorandum drafting, term sheet negotiations, legal documentation, and funding.

Risk & Diligence

Partnered with Business Development Officers and management teams to evaluate prospective opportunities, assess risks, and determine loan eligibility.

Julie’s tenacity and willingness to go the extra mile on every deal alongside her ability to spot opportunities that others overlooked enabled us to generate meaningful alpha across our credit portfolios.
Steven Blumberg, MD ABL, Bank of America

Julie Baghajian.

Founder and Managing Partner

Julie Baghadjian is the Founder and Managing Partner of Anne Capital, bringing over a decade of experience in structuring and underwriting complex credit facilities. Prior to launching the fund, Julie served as a Vice President in Bank of America Merrill Lynch’s Asset Based Lending group, where she underwrote and managed transactions ranging from $25 million to $2 billion across acquisitions, recapitalizations, restructurings, and refinancings. She has closed more than two dozen landmark deals spanning consumer, industrial, and distribution sectors, with expertise across the full credit life cycle from diligence and structuring to syndication and portfolio management.