Members
The same book, the same rules.
No separate standard for other people’s money: outside capital is run on the same underwriting, the same audit, and the same rules as our own.
- Underwriting
- In-house audit
- Risk assessment
- Active asset management
One book, one set of controls
Capital that wants the same book we run for ourselves.
Outside capital is run alongside our own, on the same underwriting, the same in-house audit, the same risk assessment, and the same active asset management, with no separate standard for other people’s money. Every asset a platform takes on is priced before capital moves. Performance is checked by the holding company, not reported by the platform. The scenario is underwritten for how it fails before the asset is priced. Each business is run day to day, and nothing is held passively. The holding company owns those four controls, not the platform, and a platform that cannot be run on all four is not acquired.
This line is in research, not formed, and not an offer.
- Underwriting
- Every asset priced before capital moves, on the same file we use for our own
- In-house audit
- Performance checked by the holding company, not reported by the platform
- Active asset management
- Each business run day to day, with nothing held passively
The platforms we operate
Premium finance
Coverage paid for over time, not all at once.
The cost of commercial coverage spread over the policy term, secured by the unearned premium, so a business keeps its cash working.
LendingShort-term lending
Capital for a need the usual path does not cover.
Secured capital for businesses that need to move faster than a bank, underwritten and serviced in-house.
RecoveryDebt recovery
Room for a better outcome on a debt.
Loans others have written off, bought at a discount and worked out with the borrower, so both sides come out ahead.
CoverInsurance
Protection for a situation that needs its own answer.
Risk we underwrite ourselves, priced with discipline and limited to the scenarios our platforms already understand.
AssetsAsset management
A steady base for the people who depend on it.
Leased, performing property held for the long run, with the rent doing the work and the holding company doing the upkeep.
ManagementInvestment management
One standard for outside capital and our own.
Outside capital run alongside our own, on the same underwriting, the same audit, and the same rules.
Where each line stands
Specialty finance
Premium finance, and more in research.
Premium finance is structured; equipment, contractor and receivables finance is in research; neither is formed.
Lending
Lending kept in-house.
Short-term and commercial lending, secured and serviced in-house, is structured; not formed.
Debt recovery
Written-off loans, worked out with the borrower.
Buying written-off loans at a discount and working them out with the borrower is structured; not formed.
Insurance
Cover we write ourselves.
Cover we write ourselves is moving from research to structured, with the model choice still open; not formed.
Asset management
Property held for the long run.
Leased, performing property held for the long run is structured; not formed.
Investment management
Outside capital, same rules.
Outside capital run on the same rules as our own is in research; not formed, and not an offer.
Member questions
Are the rules different for outside capital?
No. It is run on the same underwriting, the same in-house audit, and the same rules as our own, with no separate standard for other people’s money.
Who owns the controls?
The holding company, not the platform. A platform that cannot be run on all four is not acquired.
How do I reach the team?
Through the contact page.