Fost | Strategy
Strategy
Fost arranges asset-based financing solutions for growing companies, across EMEA. Structures are senior or junior-backed instruments, secured by high-quality liquid assets, allowing (i) businesses to scale while limiting equity dilution and (ii) downside protection for creditors.
Market segments
Asset-based finance covers a wide field. These are the segments we underwrite.
Commercial finance
Fintech and SME lending
Contractual cash flows
Consumer finance
We primarily price complexity, not credit risk
Fost is able to deliver tailored transactions in a timely manner, while ensuring three basic principles.
Collateral first
A strict underwriting built bottom-up: we analyse the asset pool itself, granularity, counterparty profiles and portfolio historical performance, to properly ring-fence it.
Over-collateralisation
Loan-to-Value monitoring is the essence of each financing, ensuring a sufficient coverage cushion and depending on the asset type.
Flexible documentation / relevant covenants
A pragmatic and dynamic set of undertakings, negotiated upfront.
Strategy supported by technology
We combine structured data computing at underwriting stage with a thorough and ongoing risk review during deal life.
Real-time monitoring
Collateral performance and cash flows, tracked continuously.
Standardised reporting
Transparent, and in the same shape for every investor.
Consistent data architecture
One structure across every transaction we hold.