Introduction
In December of 2010, we started investments in US Consumer Loan Origination platforms. In early days the manual. We reviewed each loan and determined how much of the portfolio to allocate. Since then we have steadily grown and improved since then. To date we have purchased over 23,000 consumer finance loans, giving us experience that is unparalleled.
Over the last several years we have focused on developing proprietary software to fully automate the selection and purchasing processes. We have a secure, robust, scalable architecture that functions 24/7, polling the originators and making investments 24 hours a day, 7 days a week. The result is that our US Consumer Finance strategy has generated consistent returns in excess of 7% p.a. with volatility as measured by standard deviation of less than 0.5%.
Our software takes into account more than 60 parameters from loan applications in order to select loans and make allocations. With the advent of AI technologies we have the opportunity to refine our processes further and enhance our returns.
Fund Features
- Target net returns of 7 – 11% p.a.
- Currently 3 year loans only
- Low volatility (standard deviation) of 0.5%
- Currently utilizing LendingClub.com API platform
- Professionally managed and continually improved