Fintex is a unique investment firm
exclusively dedicated to alternative credit. 

Fintex was founded to originate, structure and manage bespoke credit portfolio investments for professional investors with an institutional mindset.

We create sustainable alternative credit portfolios, to deliver capital preservation and consistent income through low-risk, low-volatility lending. 

Fintex has developed sophisticated technology tools to manage risk.

Fintex was successfully launched in 2016 as a repeat issuer of bonds to the capital markets. We are active across multiple strategies, including German Consumer Loans, US Consumer Loans and UK Real Estate loans. Our experienced team offers a breadth of expertise across banking, credit, real estate, consumer loans, technology and fintech.

Fintex has won multiple awards in the Fintex space relating to their innovation and capability, including Aggregator of the Year at the Altfi Awards. 


Fintex makes it easy for institutional investors to make sizable investments via sophisticated lending platforms.

Having direct access to consumer or real estate loans used to be the exclusive privilege of banks. That's no longer the case. Institutional investors now have the opportunity to access these well-known asset classes via sophisticated lending firms or established marketplace lenders. Fintex Capital works closely with a range of high-quality originators. This way, our institutional customers benefits from direct and privileged access to market-leading originators and platforms, whichever of our products they choose to engage with. 


Fintex Capital's business is one-of-a-kind.
Our strategy stands on three pillars:


Turnkey Bond Issuance

Proven ability to wrap large,
unwieldy loan portfolios into simple, tailor-made bonds. This makes our alternative credit investments
hassle-free for institutional
fixed income investors.



Our team offers a unique combination:
Deep credit expertise, a thorough understanding of structured capital markets and long-standing principal investment experience within each Fintex Capital investment strategy.


Proprietary Technology

Fintex conceives & creates bespoke risk management technology, tailor-made to suit each Fintex investment strategy.
By doing so we express a long-term commitment to all our customers: 
to add value in managing risk. 


We approach the alternative credit universe
with a unique combination of infrastructure, innovation and capability. 

This combination is immensely powerful.


Our customers benefit from privileged access
to leading lending platforms.

Our partner platforms benefit from low-cost capital
and quick decision making.

Fintex issues bespoke bonds that enable our customers - large asset managers, insurance companies, banks and pension funds - to invest in high-quality loan portfolios originated by hand-picked and thoroughly vetted loan originators.

Fintex is highly selective of the partners it cooperates with. Our team works closely with each platform partner to ensure all portfolio investments meet our stringent requirements.

Fintex Bonds are capital market-friendly instruments; they carry an ISIN and are settled through Euroclear and Clearstream. This enables us to transact with little hassle. 

We undertake sophisticated risk management and risk monitoring of each loan and each portfolio using proprietary technology. As a result, our institutional investors remain comfortable while their capital remains invested in prudent credit strategies to achieve capital preservation and predictable income for the long and medium term, with low risk and low volatility.