Generating attractive income is challenging, especially for large investors. Returns available in traditional credit are neither exciting nor sufficient given the risks involved.
Alternative lending opens new opportunities. However, it is a complex asset class requiring thorough expertise and proper focus. Fintex has both.
Our innovative structuring and technology provides us with direct access to new, higher yielding loan portfolios built on traditional credit analysis using large data sets and 21st century analytics.
Our universe includes handpicked fintech lending platforms as well as traditional borrowers and originators.
We only invest where:
- We can identify attractive risk returns.
- Our proprietary technology offers granular insights into individual portfolios.
- Our credit structuring expertise enables us to build robust protection to minimise risk.
A lending program is very different from an individual loan. Fintex lending programs systematically create bespoke, coherent credit portfolios for continuous repeat investments.
The key benefits are:
- Consistently high levels of capital utilisation
- Constant and predictable investments
- Low cash drag
- Portfolio diversification
- Pool granularity