Across emerging and frontier markets, financial technology has created a huge digital credit opportunity. A new generation of non-bank lenders have capitalized on this, offering asset, consumer and SME finance to previously un- and underbanked populations. This ecosystem has created a $100 billion financing opportunity across frontier and emerging markets.
We finance this group of early to mid-stage, high-growth, digitally-enabled non-bank lenders, building long term partnerships that enable our clients to grow their loan portfolios exponentially while extending credit where it's needed most.
We originate and structure senior-secured transactions that maximize security and return for our investors.
Our investments have maximum average Loan-To-Value ratios of 70%.
We take FX risk into account when setting the LTV ratios, and require hedges depending on the jurisdiction.
We integrate with lender CRMs to allow us to directly monitor the underlying collateral.
Lendable offers multiple ways to invest, each with their own unique set of benefits.
Select deals on a one-off basis that comply with your internal investment mandates.
All the information you need to conduct your own due diligence and inform your investment decisions: price, key deal risks, portfolio quality metrics, financial analysis.
Up to 12% return on deals with 9-36 month maturity. Transactions have quarterly or bullet principal and monthly interest.
Outsource the management of your investment to an experienced team that is supported by unparalleled analytics.
Invest in a pool of transactions with geographic, sector, and originator diversification.
Invest in different tranches based on your investment strategy and return preferences.
We combine fundamental and macro credit with proprietary data and software.
Our risk engine models individual monthly repayment data which enables us to understand differences in the probability of repayment/defaults, the impact of aggregate portfolio shocks, and the evolution of customer behaviour over time. Bottom line? Forecasts with more robust prediction bands.
Our Nairobi based credit and data teams take the Alternative Lender through a rigorous 7 part verification process. This consists of financial and operational analysis, payment routing strategy, and KYC.
Integration with non-bank lender CRMs allows us to track the performance of our clients' portfolios in real time, giving us unique monitoring ability of collateral and corresponding covenants.