Why Private Credit?
Uncorrelated to public markets
Private credit investments demonstrate low correlation with financial markets in comparison to publicly traded assets such as stocks and bonds. This lack of correlation implies that the returns on private credit investments exhibit independence from broader movements in the financial market.
Asset-backed lending is when a borrower uses their assets as collateral to secure a loan, and if they can’t repay, the lender can take those assets. Private credit with it's flexibility and bespoke approach, takes advantage of cash generating assets entering into asset-backed lending, utilizing the borrower's assets as collateral.
Private credit offers borrowers with unique financial circumstances the advantage of bespoke loan terms and repayment schedules. This enables borrowers to customise the arrangements to suit their needs better.
Underserved by banks
Banks tend to be conservative and follow increasingly strict lending criteria, favoring large corporate loans and public securities. In contrast, private credit has wider investment mandate, make faster lending decisions, and bespoke approach to each transaction.
Banks operate only in the market with a banking license, and each local country bank is independent, focusing only on that local country market. Private credit is genuinely global, catering to borrowers in multiple counties and underserved geographical regions, offering them much-needed financial services.
We facilitate the issuance of debt securities
Investors subscribe to the securities
We monitor investment performance and covenants
Our investment process
Despite thorough credit assessment and deal acceptance rate below 10%, since 2019, we have helped more than ten non-bank lending companies to tap into Asian capital private markets.
We are an asset manager and fully licensed asset-backed lending platform backed by private credit funds, family offices, and high-net-worth individuals. We provide wholesale loan facilities for up to 36 months to borrowers with cash generating assets like consumer and SME loan portfolios.
Our platform facilitates the seamless issuance and sale of privately placed bonds, allowing our borrowers to raise debt capital as needed. We prefer long-term relationships that enable our borrowers to grow their business together with us.
Stikcredit is an innovative fintech lending company established in 2013 to fill a gap in the consumer finance market in Bulgaria and Southeastern Europe. Since inception, Stikcredit has issued more than US$50 million of loans, fortifying its position as one of the leaders in innovation on the market.
The company has been consistently showing strong user growth, with over 26,000 active customers of which 70% are returning customers. Stikcredit’s competitive edge is a mixture of cutting-edge technology and operational excellence.
LF Tech is one of the leading short-term loans and car loans provider in Kazakhstan.
Since 2012, the group has opened 200+ branches across the country and developed its online product with an application review that takes a few minutes relying on a robust IT infrastructure and technical team. LF Tech is a highly-profitable and wellcapitalized business, which serves more than 500,000 unique customers, has disbursed around 1,252,000 loans. The company expects stable growth and makes profits on its gradually growing loan book while maintaining a strong ability to repay debt obligations
lutecredit is a leading European fintech company and consumer loans provider, established in 2008 in Estonia, and operating across the Balkan peninsula. The company provides payment and consumer finance services, which include buy-now pay-later, cash installment loans, car loans and credit cards.
lutecredit serves more than 245,000 customers through 46 branches across 5 countries, with 1,746 point of sales. The company has been profitable since the beginning of its operations, and has issued more than EUR 108 million of loans.
Established in Singapore in 2018, Fundbox is a platform that powers up micro-mobility adoption by offering affordable installment loans to delivery riders for the purchase of e-bikes and motorcycles. Fundbox has helped more than 5,000 customers by providing accessible digital financial services to them.
The company has been profitable since its inception, has shown consistent growth in the loan book and strong customer engagement. Fundbox’s Easyride app allows customers to apply and obtain approval for the installment plan to purchase e-mobility devices within 5 minutes
Everest Finanse Group is a non-bank lender under Bocian Pożyczki brand, operating in the Polish market since 2000 in a highly digitalized home credit model. Everest is one of the biggest non-bank lenders in Poland with a market share of c. 14% (based on outstanding loans data from BIK).
It so far has granted nearly 1.9 million loans with the total value of about USD 1 billion. The product types include installment loans, cash loans, home loans and credit cards. Most loans are granted for 32 - 82 weeks and the amount disbursed to the client is up to PLN 6,000 (USD 1,500).
Transport and Development Bank, one of Mongolia’s first commercial banks, has significantly contributed to the country's development by offering accessible financial services to all sectors of the economy. For the past 26 years since their establishment in 1997, they have relied on amicable business relationships among their customers, business partners, and colleagues.
As the business environment and customers continue to rapidly evolve, they are implementing necessary changes to customer service to meet international standards. They have also introduced comprehensive international and private banking services to ensure that they meet the diverse needs of their customers.