Strategies
Five lines, one control layer.
The five lines of business the holding company runs, each a specialized finance platform, each on the same underwriting, in-house audit, risk assessment, and active asset management.
- Specialty finance
- Insurance
- Lending
- Debt recovery
- Asset management
One holding company, five lines
A scenario a bank or a generic lender handles badly, and the specialized business that handles it well.
Build Capital runs five lines of business, and they are lines, not entities. Specialty finance is premium finance, receivables, and equipment and contractor finance: credit against a specific collateral or contract. Insurance is cover we underwrite ourselves, limited to the scenarios our other platforms already understand. Lending is short-term and commercial loans, secured, underwritten and serviced in-house. Debt recovery is distressed loans bought at a discount and worked out with the borrower. Asset management is leased, performing property held for the long run, plus outside capital run on the same rules as our own; the property holdings sit in this line, not under a separate real-assets line. Whatever the line, every platform sits on the same four controls, and the holding company owns them, not the platform.
The controls are the edge, and a platform that cannot be run on all four is not acquired; none of the five is formed, and this page is not an offer.
- Build Capital Finance
- Specialty finance, lending, and debt recovery
- Build Capital Insurance
- Insurance, cover we underwrite ourselves
- Build Capital Management
- Asset management, property held long, with outside capital run on the same rules as our own
What each line holds
Specialty finance
Credit set against something specific.
Premium finance, receivables, and equipment and contractor finance: credit against a specific collateral or contract, with the premium finance loan sitting on a refund, not a promise.
CoverInsurance
Cover for the scenarios we already understand.
Cover we underwrite ourselves, limited to the scenarios our other platforms already understand, from the same file that tells credit whether a premium can be financed.
LendingLending
Loans for when a bank is too slow.
Short-term and commercial loans for a business that has the order or the contract and a bank that is too slow: secured, underwritten and serviced in-house.
RecoveryDebt recovery
A written-off loan, worked out rather than shut down.
A loan the holder has written off, bought at a discount and worked out with the borrower on a plan both sides can keep, rather than a shutdown.
AssetsAsset management
Property held long, on the same rules.
Leased, performing property held for the long run with the rent doing the work, and outside capital run on the same underwriting, the same audit, and the same rules.
The controls every line runs on
Underwriting
Every asset a platform takes on is priced by the holding company before capital moves.
In-house audit
Performance is checked by the holding company, not reported by the platform.
Risk assessment
The scenario is underwritten first, how it fails, before the asset is priced.
Active asset management
Each business is run day to day; nothing is held passively.
Strategies FAQ
Is any of the five lines running today?
No. Each line is structured or in research, nothing is formed, and no capital moves until a platform has been underwritten and can be run on all four controls.
Where did real assets go?
Into asset management. Leased, performing property is held in that line, with the rent doing the work and the holding company doing the upkeep; it is not a separate line.
Where is Liquid Link?
On its own page. Liquid Link is run under its own name and is not one of the five lines on this page.