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Risk scoring: How investors can assess digital lenders

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Risk scoring is at the heart of many lending approaches. The regulations that govern digital lending are typically less stringent than those in the banking space. This makes it even more essential for potential investors to analyse how a credit platform is pricing and managing risk, believes Miguel de Abreu [...]

The role of private debt as a portfolio diversifier for institutional investors

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Amid the low yields on offer on traditional fixed-income assets, private debt is emerging as a strong alternative. For institutional investors, adding private debt exposures to their portfolios can help improve diversification due to the low correlation of private debt to equities and fixed income, as well as an [...]

Originator Spotlight/Mozzeno

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One of Belgium’s largest peer-to-peer lending platforms, mozzeno, saw solid growth in 2021, with origination volumes exceeding 30 million euros. That growth was in part enabled by signing on new institutional investors in 2019. The platform caters mainly to consumer financing, though it also added business lending in 2021. [...]

Data and analytics can give private debt funds an edge in the race to deploy capital

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Investment funds specialised in investing in private debt can be an attractive route to gain exposure to this alternative asset class. Yet data on the volumes of undeployed capital - dry powder - in the private debt fund segment globally suggest strong competition for attractive deals. When it comes to [...]

Originator Spotlight/ Finora Capital (Lithuania)

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Based in Vilnius, Lithuania, Finora Capital is a fast growing digital lender focused on providing working capital loans to small and micro enterprises. With origination volumes of 9.5 million euros in 2021, the company recently signed a guarantee agreement with the European Investment Fund (EIF) that should help it [...]

Originator Spotlight/ Fellow Finance

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In the landscape of alternative lenders in Europe, Fellow Finance is a notable success story. Founded in Helsinki, Finland in 2013, its focus is on consumer finance and SME lending (primarily invoice factoring), with operations in Finland, Denmark, Poland, and Germany, though its native Finland is its largest market. [...]

Originator Spotlight/ Nestr Smart Finance

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Dutch originator Nestr Smart Finance has distinguished itself by offering faster loan approval than mainstream banks. Nestr’s business is focused on high quality borrowers and assets. The company competes on reliability and speed of approval - but never rates. Robust underwriting processes are key to minimising credit risk and [...]

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