Asset-Based Financing
The opportunity to address the “early-dev” market with asset-based & tailored lending solutions
Digital lending
Flexible, tailor-made lending capital, designed mainly for fintech companies and embedded finance
WHAT ARE WE LOOKING FOR?
- Professional & experienced team
- Quality of the seed investors
- High growth market with an angle (short maturity, investment grade debtor, verticalization)
- Competitive business model
- Highly diversified portfolio of loans/receivables
KEY BENEFITS FOR FOUNDERS
- Long-term partnership tailor-made to the needs of the company
- Flexible credit box & scalable funding source
- Institutionalization of the lending structure
Specialty finance
Financing solution for digital companies to support growth and extend cash runway with minimum dilution
WHAT ARE WE LOOKING FOR?
- Professional & experienced team
- Quality of the seed investors
- Strong collateral and guarantees
- Important collateral liquidity
- Efficient unit economics
KEY BENEFITS FOR FOUNDERS
- Non dilutive capital for the founders & investors
- Can complement or bridge their way to the next equity financing round to show better metrics
- Tailor-made to the needs of the company
Our investment focus – key themes
Energy efficiency & climate
- Companies at the intersection of fintech and climate are needed. It is an area that’s seen rising funding in recent months for offerings that include carbon-tracking business software, environmentally friendly online banking and financing, and products that make it easier to value ESG (environmental, social and governance) assets
- Digital financial services open up new possibilities to bring about a just transition to a more resilient and environmentally sustainable economy and there will be a huge need to address their need of embedding financial product (financing for home improvement to reduce energy bills and carbon footprint)
Demographic transition
- The world is undergoing a major demographic upheaval with three key components: population growth, changes in fertility and mortality, and associated changes in population age structure
- With an aging population, the entire world is witnessing the most profound and historically unprecedented demographic change requiring new transformational models
- Example: financing a French senior to advance “Ma Prime Adapte”
Hardware-as-a-service
- Hardware-as-a-service (HaaS) is a procurement model that is similar to leasing or licensing in which hardware that belongs to a managed service provider (MSP) is installed at a customer's site and a service level agreement (SLA) defines the responsibilities of both parties
- Companies buy the product upfront and lease it to users or consumers
- Example: bicycle-as-a-service, phone-as-a-service etc.
Digitalization of commerce
- B2B and B2C Market are digitalizing fast with the emergence of several players in Europe to organise digitally old fashioned B2B commerce and bringing efficiency in financing and logistics
- Marketplaces are offering financing and term payment with the advantage of having strong data sets and real time underwriting of risk
We have built a deep expertise and are able to offer bespoke assetbased credit solutions to innovative companies
