OUR PHILOSOPHY

Smart Lenders AM’s process is a clear and straightforward one. The company creates and maintains partnerships with a few high quality online platforms that are among the biggest and most established in the industry. These platforms give us access to their loan marketplace, where we use our advanced selection model to pick and choose individual whole loans for purchase. We then purchase the selected loans and hold them until maturity, collecting the cash flows throughout the duration of the loans.
It is important to underline that investments are held until maturity of the underlying loans, as there is currently no secondary market for these loans.
We do not use any leverage to purchase loans. The loans purchased are not packaged into any sort of derivative product. Investors receive shares representing their portion of capital invested into the vehicle used to purchase the loans and entitling them to an equivalent share of the performance of the underlying portfolio. There is no “ABS-style tranching” involved – all investors bear the same level of risk.

Smart Lenders AM’s portfolios are highly diversified across individual loans to ensure an optimal spreading of risk across risk factors and a direct exposure to consumer and small business loans dynamics.

STEPSTONES

TEAM