OUR EXPERTISE

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.

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

First private investments

January 2013

First investments on Lending Club Loans with Proprietary Funds

Smart Lenders Asset Management is launched

September 2014

Start of the activity

Full-scope UK AIFM

February 2015

Smart Lenders Asset Management becomes AIFM Full Scope

Launch of Profit Participating Note programme

March 2015

Investment through the first compartment of Direct Lending investment SA (DL1). Issuance of Profit Participating Notes (PPN) invested in portfolios of consumer loans.

Launch of the Luxembourg SICAV

July 2016

Launch of the AIF, Moonstone Lending Fund 1
(formerly The Direct Lending 1)

Launch of the fifth Note

September 2016

In total, five PPN were launched for a total of $125mn invested in consumer loans.

First investments in Small Business Loans

June 2017

The SICAV starts investment in US Small Business Loans through a first platform specialised in Merchant Cash Advance.

Smart Lenders Asset Management transfers activities to France

January 2018

Smart Lenders Asset Management SAS, regulated by the AMF, becomes the new AIFM of the Moonstone Lending SICAV

Launch of Research Programme on Artificial Intelligence

June 2018

Joint research programme with Credit.fr on the applications of Artificial Intelligence to credit scoring and risk evaluation.

First investments on European lending platforms

March 2019
Smart lenders accelerates its development and makes its first investments on European lending platforms

French status of Young Innovative Company

May 2019

Smart Lenders AM obtained the French “Young Innovative Company” (Jeune Entreprise Innovante) status for its research in artificial intelligence in the context of SME lending.

 

Smart Lenders AM passed the $500-million mark lent

June 2019

Smart Lenders AM reached $500 million lent through online lending platforms, positioning the company as the European leader in the sector.

Smart Lenders AM supports UNGC’s ten principles

March 2020
Smart Lenders AM becomes a signatory participant of the United Nations Global Compact and drafts its ESG Charter

Smart Lenders AM receives equity investment from Matmut

September 2020

Historical investor in our flagship fund, Matmut takes a 5% stake in Smart Lenders AM.

 

Smart Lenders AM passes $1 billion mark lent

June 2021

This milestone includes $900mn of consumer loans and $100mn to SMB loans

 

 

Smart Lenders AM celebrates the fifth anniversary of its Moonstone Lending SIF SICAV

July 2021

The Moonstone Lending SIF SICAV celebrates its fifth anniversary with $350 million AuM

 

Smart Lenders AM launches a new fund

February 2022

Smart Lenders announces the launch of  The Lending Smart Fund 1, a new fund dedicated to new European financing platforms