Alternative lending investments require a lengthy due diligence process and are difficult to source, legally intensive, and complex to model. As a result, the asset class remains highly inefficient, enabling the potential for risk-adjusted returns that are superior to traditional fixed-income investments.


Private Debt Median Net IRR by Vintage Year

Source: Preqin Private Debt Online. Vintage data through June 30, 2017.

Including alternative lending assets in an investment portfolio may create valuable diversification benefits, given low correlation to other fixed income instruments.


Source: Bloomberg; Finitive analysis. Alternative Lending Index is a custom index consisting of industry benchmarks from 2011 to 2016.

Alternative lending’s standard deviation of returns is lower than other asset classes.


Source: Bloomberg; Finitive analysis. Alternative Lending Index is a custom index consisting of industry benchmarks from 2011 to 2016.


Finitive’s technology-enabled platform emphasizes complete investment transparency, investor-friendly terms, and comprehensive diligence.

  • 1
    Transactions listed on Finitive’s platform contain substantially all of the due diligence materials that an institutional investor would produce internally.
  • 2
    Investors pay no fees to Finitive. Fees are paid by Finitive’s originator partners.
  • 3
    & Ratings
    Finitive’s comprehensive investment memos and ratings bring transparency to traditionally opaque investment opportunities, accelerating and simplifying investors’ due diligence process.
  • 4
    of Interest
    Finitive’s team invests in each transaction alongside or subordinated to investors, unless otherwise disclosed.


Finitive is unconstrained by either fund structure or mandate, providing the flexibility to transact across the capital structure and various spectrums of risk, asset class, geography, and transaction size.

  • 1
    Attractive Risk-Adjusted Returns
    Finitive seeks to identify lending opportunities that offer attractive risk-adjusted returns relative to other investment opportunities.
  • 2
    Flexible Deal Structures
    • Warehouse lines
    • Forward flow and whole loan purchase agreements
    • Term loans
    • Participations
    • Funds
    • Equity
    • Various other
  • 3
    Asset Classes
    • Commercial Real Estate
      • - Bridge
      • - Permanent
      • - Construction/Development
    • Residential Real Estate
      • - Fix & flip
      • - Construction/Development
      • - Non-QM
    • Student
    • Auto
    • Consumer unsecured
    • Invoice factoring
    • Trade finance
    • Franchisee loans
    • Merchant cash advance
    • SME
    • Litigation finance
    • Tax lien
    • Various other

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