Licensed & supervised

You operate under a regulator and have live reporting obligations.

• Licensed as an originator, finance company or NBFI
• Clear regulatory perimeter and compliance responsibilities
• Audited financials or regulatory reporting in place

Real portfolios, not experiments

Your loan book has enough size and seasoning to be underwritten.

• Multiple vintages and observable loss performance
• Defined products and target segments
• Existing credit, collections and servicing processes

Wholesale funding pressure

You have outgrown equity-only or short-term funding sources.

• Growth constrained by current balance sheet or backers
• Need scalable, institutional warehouses or committed lines
• Open to SPVs, collateral packages, covenants and monitoring

The challenge

Originators often outgrow their first balance sheet and need scalable, institutional funding lines to keep lending. The hard part is translating your current portfolio, policies and operations into something a bank or fund can approve.

Fragmented data, informal processes and unclear collateral mechanics kill wholesale funding conversations quickly – even when the underlying portfolio is strong.

How STIDE provides this

We design and arrange wholesale facilities – warehouses and committed credit lines – anchored on your portfolio performance, eligibility criteria and risk management.

• Structure SPVs, collateral and borrowing base mechanics around your book
• Define eligibility criteria, concentration limits and advance rates
• Prepare lender-grade materials: loan tapes, memos and data rooms
• Target bank and fund partners whose mandates match your assets
• Drive the process through credit, legal, conditions precedent and closing

From one-off deals to programs

Moving from opportunistic, one-off funding lines to term ABS or a repeatable funding program requires a step-change in how you structure risk, manage data and operate covenants.

Without clear eligibility pools, triggers, waterfalls and reporting, it is almost impossible to secure long-term, programmatic capital at competitive terms.

How STIDE provides this

We architect securitisation-style structures and programmatic facilities where assets are pooled, tranched and funded on terms that match their risk and duration.

• Design pooled and tranched structures aligned with your asset performance
• Work with your internal team, legal counsel and rating/analytical partners
• Define eligibility pools, triggers, waterfalls, covenants and reporting calendars
• Model cashflows and coverage tests under realistic and stressed scenarios
• Act as arranger to bring in suitable private credit, bank or institutional investors

Why most books fail funding conversations

Many originators know their book intuitively but cannot present it in a way that satisfies institutional credit committees.

• Weak segmentation of customers, products and risk bands
• Incomplete or inconsistent vintage and cohort data
• Unclear loss curves and recovery behaviour

What the X-Ray actually does

We run a Portfolio X-Ray that analyses your loan book performance, credit policies and collections framework through a lender’s lens.

• Performance analysis by vintage, segment and channel
• Mapping of credit, collections and workout frameworks
• Assessment of data completeness, quality and consistency

How STIDE provides this

The output is a blunt verdict on bankability, realistic funding size, target structure and the concrete fixes required.

• Bankability verdict with realistic facility size and leverage
• Recommended target structure: warehouse vs ABS vs simple line
• Concrete fixes needed in data, process or documentation
• Prioritised roadmap before you approach serious capital

Monitoring & covenant frameworks

Securing funding is only half the battle; staying within covenants and keeping funders comfortable is where many originators slip and lose access to future capital.

How STIDE provides this:

• Set up ongoing monitoring frameworks: pool reports and borrowing base checks
• Define and calculate triggers, covenant ratios and compliance tests
• Prepare periodic lender reporting templates and update packs
• Help you interpret early warning signals and agree remedial actions

Co-structuring new asset classes

For selected partners, STIDE also co-designs credit and product structures for new asset classes so they can be funded inside your existing program.

How STIDE provides this:

• Co-design new asset and product structures with your internal team
• Align origination criteria and pricing with program covenants and triggers
• Ensure each new origination stream can be funded under agreed rules
• Turn one-off deals into a sustained, scalable capital partnership