Stephen Faulkner’s Post

Interesting to see from corporate credits more money is now chasing consumer unsecured loans. BNPL loans which are leveraged using bank credit cards. Where and who really owns the risk? No question a lot of money is rushing into this space as unemployment levels go up… investors will need to do more due diligence on their allocations. #alternatives #privatecredit #capitalmarkets

Asset-Based Lending Verses Bank Financing Unlike traditional bank debt that relies heavily on balance sheet ratios and cash flow projections as loan criteria, 1st Commercial Credit will evaluate a client's business assets as its primary focus to establish the borrowing base. Due to our expertise in industry specialization, the result is usually far greater borrowing power than can be achieved from a traditional cash flow banking approach. Learn More: https://lnkd.in/ews-8Ue #asset #based #lending #bank #financing #online #lending #solutions #cashflow #fast #funding #1stcc

Asset-Based Lending Verses Bank Financing Unlike traditional bank debt, which relies heavily on balance sheet ratios and cash flow projections as loan criteria, 1st Commercial Credit evaluates a client's business assets as its primary focus to establish the borrowing base. Due to our expertise in industry specialization, the result is usually far greater borrowing power than can be achieved from a traditional cash flow banking approach. Learn More: https://lnkd.in/ews-8Ue #invoice #factoring #financing #receivables #asset #based #lending #cashflow #funding #solutions #1stcc

👉Receive modified debt management portfolio, review, opinions, and solutions 👉Contact me to receive a quotation #DebtManagementProcess #CreditQualityImprovement #Collection #CreditManagement #Npl #Npls #bank #leasing #financialIndustry

💰 Private credit loans are increasing in size, with some lenders offering “megatranche” facilities that are competing with traditional banks. London Private Credit partner Kumar Tewari discussed the trend with “Alternative Credit Investor.” #PrivateCredit #Lenders #PrivateCreditLoans

Private Lenders vs. Traditional Banks Visit finleycapital.us for more information on our hard money lending process and be sure to follow @finleycapital for up to date info on our hard money loans. #realestate #privatelending #realestatelending #realestateloans #hardmoney #learn2lend #lendwithlogan #finfundedflip #finleycapital

Mezzanine Finance vs Traditional Bank Loans: Higher risk, higher rewards. Mezzanine might cost more in interest, but it can offer greater flexibility and the ability to retain more ownership and therefore profit. Go beyond the bank! #MFmasterclass #investing

What is securities lending ? Securities lending is a form of asset backed financing by which loans are sold from the primary market to funds and investment firms in the secondary market. The investment entity packages those loans and sells them as securities to investors for profit or cash flow by using leverage to increase investor returns. Examples of securitized lending are commercial mortgage backed securities and residential mortgage backed securities. These debt instruments provide financing for critical purchases and markets that create jobs, stability and growth for the economy. They also take the risk away from traditional banks. This economic strategy provides liquidity, credit and capital flows. #CapitalMarkets #Liquidity #FinancialManagement #Credit

💰 Private credit loans are increasing in size, with some lenders offering “megatranche” facilities that are competing with traditional banks. London Private Credit partner Kumar Tewari discussed the trend with “Alternative Credit Investor.” #PrivateCredit #Lenders #PrivateCreditLoans

🔻What is securitisation?🔺 📌Securitisation is a process of converting illiquid assets into securities These securities are converted with the help of SPV Bank 🏦 originates loans(Mortgages/personal loans/credit card) Etc. and gives them to SPV SPV bundles these loans and register them as a security SPV markets these securities to investors like mutual fund,large corporates,hedge funds) etc. SPV charges fees or commission from the bank for all these. 📍Advantages of securitisation📍 ♦️1. Liquidity: By converting illiquid assets into tradable securities, securitization increases liquidity in the financial markets. ♦️2. Risk transfer: Securitization allows financial institutions to transfer risk from their balance sheets to investors who are willing to bear that risk. ♦️3. Capital efficiency: It can free up capital for financial institutions by moving assets off their balance sheets, allowing them to use that capital for other purposes such as lending or investment. ♦️4. Diversification: Investors can access a diversified pool of assets through securitization, reducing individual asset risk. ♦️5. Lower funding costs: Securitization can lower funding costs for originators by accessing cheaper sources of financing compared to traditional bank loans. ♦️6. Customization: Securitization structures can be tailored to meet specific investor preferences or risk profiles, providing flexibility in funding options. #investmentbanking#moneymarketproducts#Finance#