Research
Credit research.
The programs studied on paper before a lending, specialty finance, debt recovery, or insurance platform moves past structured, named here with the line each serves and where it stands.
- Lending
- Specialty finance
- Debt recovery
- Insurance
- Studied, not run
The programs studied
Commercial loans
Short-dated lending for a business.
Short-dated, secured commercial lending studied for the lending line, from what secures the loan to how it is serviced in-house and how it fails; structured, not formed.
Premium finance
Commercial premiums, financed.
Commercial premiums financed against the unearned premium, studied for the specialty finance line with the surety and deductible variants read alongside; structured, the variants in research.
Equipment, contractor and receivables
Finance on contracted work.
Finance underwritten on contracted work and billed invoices rather than the operator’s balance sheet alone, studied for the specialty finance line; in research, not formed.
Whole-loan acquisition
Written-off loans, read closely.
Written-off loans bought at a discount, with a read on where whole loans are actually sold and which kinds of debt pay, for the debt recovery line; structured, not formed.
Funding, servicing and state matrices
Groundwork every line shares.
How a lending book is funded and serviced, state-by-state lending and premium finance matrices, and what operators actually hold, mapped with counsel questions logged; in research.
Insurance economics and distribution
How cover is distributed.
Commercial cover, agency economics, the agency, partner-carrier, or managed-program choice, and how cover is distributed and embedded, studied for the insurance line; in research.