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AvCap provides capital to responsible alternative lenders and other originators of financial assets furnishing targeted financing to SMEs and consumers, where these are not served well by traditional providers of capital.
Navigating the current economic environment often requires access to flexible and tailored financing. While fiscal stimulus and central bank easing may have helped to avert even worse economic downturn scenarios, these measures were mostly broad, unspecific and unfocused and therefore had limited effect on specific sectors of the economies and societies. High inflation and subsequent interest rate hikes have posed significant challenges to world economies
Timely delivery of credit where it is most needed has often been flawed.
Banks, constrained by post GFC regulation are already experiencing issues in their SME and consumer loan books and are largely unable to fill the gap.
We recognize the need for alternative lending and the tremendous resulting opportunity and are focused on helping alternative lenders grow.
Please do get in touch with us to discuss how we can work together and see below for details on the type of capital we can provide to help fuel growth.
AvCap provides senior financing to early stage alternative lenders in the process of building compelling businesses.
We work closely with our lender-partners to help overcome roadblocks and scale up their businesses.
We are always looking for outstanding teams of individuals with great ambitions who have what it takes to succeed.
If your business already has a solid track record, a senior lender is in place, and you are positively cash flowing or close to break even, we may consider providing mezzanine or other subordinated capital.
Similarly, when your business grows beyond our senior financing framework, we can help you with finding a new senior lender and will consider your additional capital needs.
Selectively, we also provide secured first-loss and risk retention capital.
We work hand-in-hand with our lender-partners to help scale up their investments in the future of SMEs.
SMEs often no longer have access to adequate financing options provided by banks and are increasingly better served by non-bank lenders.
We finance portfolios and forward-flow originated by outstanding, responsible lenders.
Micro consumer loans and financial well-being focused products are examples of lending strategies, which best fit our ESG considerations well.
We believe in the benefits of the circular economy and like rent-instead-of-own models, which extend the lifecycle of a product and therefore reduce raw material and energy needs.
Examples are electric vehicle subscription and electronic device rental models.
As an increasingly large part of the economy has been moving online, the need has grown to develop online financing models akin to traditional approaches like factoring and installment payment.
We finance short term receivables generated by online platforms.
We like a challenge. As such, we like wrapping our heads around innovative assets and how they could be financed.
Our starting point is to understand the business model and its viability. Are there contractual cash flows? Can value be extracted upon liquidation? We are intrigued.
As the specialty financing markets are evolving, so are special situations and one-off opportunities.
An existing lender is exiting or needs to reduce its financial commitment? An originator has failed? We are interested to learn more and see how we can help.
Avellinia Capital Group
One Heddon Street | London | W1B 4BD | United Kingdom
Phone: +44 (0) 20 7031 6500
Email: info@avellinia.com
Avellinia Capital, AvCap and the AvCap logo are registered trademarks of Avellinia Capital LTD. Avellinia Capital, Avellinia Capital Group and AvCap are trading names used by Avellinia Capital LTD.
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