Credit Morgan loans offer attractive investment opportunities for Institutional Investors

  • Finance companies

  • Asset managers

  • Insurance companies

  • Hedge funds

  • Banks

  • Broker-dealers

  • Pension funds

  • Endowments and foundations

Banks, financial advisors, and institutions are increasingly looking to invest in marketplace lending seeking higher yields, diversification, and low correlation. In partnering with Credit Morgan, investors can access SME credits through whole loans, securitizations, or certificates.

Insurance companies & pension funds

  • Seek risk-averse investment strategies

  • Want net-cash-flow-positive investments to cover liabilities

  • Need investment structures that are compliant with regulatory requirements

  • Require alignment of risk-return profiles with investment policies

Funds

  • Seek access to a wide range of asset classes internationally

  • Need substantial portfolio volumes

  • Want a more standardised investment procedure

  • Require assets that are in alignment with investment guidelines

Banks

  • Want to expand their loan book

  • Seek attractive new fixed-income investments

  • Desire transparent investments

  • Need more active management of balance sheet

Family Offices

  • Require portfolio diversification

  • Want instruments suitable to smaller transaction sizes

  • Seek international origination sources

  • Desire alternative investments

Institutions

          Investing at scale with Credit Morgan

Our dedicated Institutional Team has a wide range of investment management and trading experience and is here to help you navigate the marketplace lending investment process.

Our products for asset managers, hedge funds, pensions, foundations, endowments, broker-dealers, insurance companies and more..

Financial Advisors

Differentiate your business by offering clients a fixed-income product that can diversify their portfolios. In partnering with Credit Morgan, investors can access SME credits through whole loans, securitizations, or certificates.

          Differentiate your business
Offer your clients unique business credits investment access

At $5.94 trillion, SME credit is a significant component of the fixed income market Credit Morgan has provided investors access to through our marketplace lending platform. In today’s low-yielding environment, investing in a portfolio corresponding to short duration consumer loans may provide competitive returns while reducing risk and adding diversification to your clients’ portfolios.

Banks

Purchase high-quality loans or partner with us to offer loans to your customers.

           Banks and Credit Morgan
Purchase Credit Morgan loans that meet your bank’s credit criteria to potentially generate competitive returns.

Banks of any size can potentially earn competitive returns and offer customers access to Credit Morgan products.

 

We began partnering with banks in 2018 to enable them to both purchase loans directly through the Credit Morgan platform or offer Credit Morgan products to their customers.

Complement the strengths of your bank

Diversification
Broaden your investment offerings by easily and efficiently building an investment portfolio tied to small business loans

Profitability
Opportunity to capture returns of 3-8% net of fees, expenses, and modeled credit losses

 

No Set Minimum Commitment
Begin with a pilot program of any size, then scale as you wish

Limit Expenses
Our digitalized loan funding, servicing, borrower application and underwriting processes undercut otherwise steep operational costs

Diversified stable portfolio

  You can invest in a multitude of SME loans from different risk classes and diversify your portfolio attractive returns between 3.9% to 9.9%

Data-driven high technology

We provide investors with fast flexible, and cost-effective solutions. Both securitisation and reports generation processes are automated for optimum efficiency and minimum drain on resources.

  Active risk management/mitigation, collateralization, and insurance deliver low volatility relative to target return levels.

Low volatility and correlation
European marketplace

  The Credit Morgan platform is aligned with EU capital markets initiatives that seek to connect institutional money to the real economy’s financing needs by turning different kinds of loans originated across Europe into fungible and tradeable notes.

Combining rigorous credit assessment with the latest tech

Our platform gives institutional investors access to small business loans, an asset class historically the domain of commercial bank balance sheets. We leverage the latest technology to streamline processes, giving fast, efficient service to borrowers while retaining rigorous credit assessment practices. We believe it’s a better system for everyone.

Borrower Acquisition

Continued growth in facilitating business loans globally, enabled by data driven marketing and quality customer service.

Credit Assessment

Our experienced credit assessment team optimise market best practice with leading technology to provide risk based pricing on loans.

Loan Servicing

We manage all servicing, collections and recoveries on behalf of investors.

As an alternative finance provider dedicated to funding growing and ambitious SMEs, Credit Morgan enables institutional investors to invest in direct commercial loans to UK SMEs. 

Our senior management team has extensive experience across banking, asset management, operations and IT so is well placed to understand the needs of institutional investors and deliver bespoke solutions.

Credit Morgan operates a multi-functional team operating a large scale operation covering the whole loan life cycle, encompassing

  • Origination

  • Credit analytics

  • Credit underwriting

  • Loan servicing

  • Monitoring

  • Recoveries

  • Client relations

The team follows a robust, proven process, allowing it to support a number of mandates to meet institutional debt investor requirements.

How we manage risk

Only established businesses who have passed our rigorous credit assessment process can borrow through Credit Morgan. 
 
However, it’s important to remember that some businesses will not be able to fully repay their loan. We call this a bad debt, and it’s already accounted for in your projected return.
 
We reduce the impact of bad debt in 5 key ways:

1. Big Data Analytics-based credit algorithm


Our proprietary credit model uses thousands of data points to assess the creditworthiness of every business that applies. It uses publicly available information, credit bureau data and our own historical data of loan performance and applications. Successful applications are then given a risk band from A+ to E, which helps determine the interest rate they’ll pay.

2. Rigorous assessment with advanced technology


Our vastly experienced credit assessment team combine decades of experience from some of the world’s leading financial institutions. They use thousands of data points, innovative technology and their detailed understanding of business lending to assess every application, so only creditworthy businesses are approved.

3. Diversification and minimum investment


Diversification, where you spread your lending across many businesses, is the best way to earn a stable return as it reduces the impact of businesses being unable to repay their loans. By using our automated lending tool, you can easily lend to hundreds of businesses to quickly build a diversified portfolio.
- Lend to at least 200 businesses
- Lend no more than 0.5% of your total to each one

4. Collections and Recoveries team: We collect debts for you


When a business is unable to fully repay their loan, we handle everything for you. Our Collections & Recoveries team pursue every single late or defaulted loan, arranging a new payment plan if possible, or exhausting every legal process available. The team has a range of methods and technologies in place to recover as much as possible for you.

5. The Credit Protection Fund


Investments with Credit Morgan are protected by the Credit Protection Fund which provides a buffer against poorly performing loans. The Credit Protection Fund is made up of payments received from every borrower, based on Credit Morgan’s assessment of their creditworthiness when the loan is granted.

Investor mobile app

With our mobile app, investors can invest in Notes, see current returns, update investment strategies, transfer money, and more.

© 2019 by Credit Morgan Global Ltd.

  • White LinkedIn Icon
  • White Facebook Icon
  • White Twitter Icon
  • White Google+ Icon

info@creditmorgan.com

About:

About us
Our Technology
Partners
Contact us