Our innovative refinancing model allows professional investors* (banks, insurers, foundations, pension funds, high net worth, etc.) to finance transparent and competitive consumer loans.Contact us
Proprietary scoring models and cutting-edge fraud detection tools allow us to only finance clients possessing an optimal risk profile.
A risk-based pricing methodology allows us to estimate the cost of risk of each individual client and to determine the best interest rate for them. This interest rate is also calibrated to help us reach our target performance.
Our risk team regularly monitors risk and return indicators at a portfolio level to ensure those are in line with expectations.
A financial product with competitive returns and low volatility.
A new asset class: unique access to European consumer loans market.
Diversification of credit risk on thousands of French consumer loans.
Borrower default risk: This could impact the returns for investors and/or lead to risk of loss capital.
Liquidity: Based on limited liquidity, in the worst case scenario where all investors would ask for total redemption at the same time, they would get their funds ona prorata basis, upon borrowers monthly payment.