Transforming the way large institutions access alternative credit

Fintex Capital

Transforming the way large institutions access alternative credit

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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 asset classes, including consumer loans in Germany and UK property loans. Our experienced team offers a breadth of expertise across banking, credit, real estate, consumer loans, technology and fintech.

OUR SOLUTION

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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. 

 
 

Experienced team

  • Experienced structured finance professionals
  • Veterans in alternative credit and marketplace lending
  • Management was involved in building one of Europe's leading loan marketplaces
  • We leverage our lending expertise, structuring capabilities and quantitative skills to create large portfolios within deep and attractive lending strategies

Bespoke, proprietary technology

  • For every Fintex product, we build bespoke, state-of-the-art risk management tech
  • Our risk management tools are developed in-house
  • Proprietary technology delivers comprehensive insights into each loan portfolio and enables our team to perform 'credit microsurgery' in ways not previously possible

 

Privileged access

  • Direct access to carefully selected lending partners and originators
  • Preferred terms and allocations
  • Direct relationships with large institutional capital who subscribe for our bonds
  • Minimum commitment: $10 million per investor
  • Tried and tested: Turnkey bond issuance to achieve quick set up and short time to market with minimal cost

Fintex adds value

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Our customers benefit from privileged access to leading lending platforms

Our partner platforms benefit from low-cost capital with 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.

our story

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Fintex was founded in 2015 by veterans in marketplace lending

On the back of decade-long credit and investment experience, and after working for many years with some of the world's leaders in marketplace lending, Robert Stafler and Jérôme Anglade saw that multiple, innovative and high-quality lending platforms were hungry for large-scale credit capital, yet most large institutional investors lacked the tools or the time to capitalise on this enormous investment opportunity.

Fintex Capital was designed specifically to provide this missing link. Our aim is to deliver capital preservation, consistent income and superior risk-adjusted returns in meaningful size. We achieve this by building and maintaining bespoke and well-managed alternative credit portfolios in times where respectable yields are very hard to come by. 

Our goal is to make attractive lending strategies more accessible to institutional capital by making it as easy and hassle-free as possible for them to invest with the partners they like. Most notably, each investor's portfolio is bespoke to suit that investor's appetite.

 

Our team has gathered many years of experience alternative credit and has an in-depth understanding of securitisation markets, real estate, consumer finance and structured credit. Our experience in building, and investing on, some of the world's leading credit marketplaces puts us in a unique position to assess loan originators and other types of alternative lenders to gain thoughtful insights as well as privileged access.

Fintex Capital leverages technology. Thorough risk management, bespoke reporting, ongoing monitoring, data standardisation and the implementation of best lending practices are all part of our team's DNA. Fintex was founded in 2015, incubated by Excellion Capital.