Lender Financing to Scale Your Specialty Finance Business

We specialize in debt capital for fintech and non-bank lenders originating financial assets. This includes subsectors like merchant cash advances (MCA), SMB term loans, consumer installment loans, factoring, and trade finance. We do not lend against physical real estate or inventory. Lender financing is also commonly referred to as portfolio financing, loan book financing, or receivables-based debt.

A private securitization is a form of lender financing that allows a company to use its existing loan portfolio as collateral to raise debt capital. Through Percent’s model, borrowers leverage their outstanding book of loans to access funding that can be redeployed into new originations. This structure is commonly used by fintech and specialty finance companies to scale lending activity without diluting equity or taking on excess capital beyond what their portfolio can prudently support at a given stage of growth. This is sometimes referred to as a private ABS structure or private securitized credit facility.

Lender financing (a subset of debt financing) allows you to raise capital using your loan book as collateral, without giving up ownership in your company. Equity financing requires selling a stake in your business. Most specialty finance originators use lender financing to scale while preserving equity for later-stage growth.

We typically work with lenders that have an established origination track record and a loan portfolio of at least $1 million. Borrowers must have consistent performance reporting, clear visibility into portfolio cash flows, and a corporate structure that supports institutional capital.

Yes. We support lenders across North America, the EU, the UK, Latin America, and Australia. Both domestic and international originators are welcome to apply, and we can structure facilities for cross-border operations where applicable.

Percent structures facilities supported by financial assets such as merchant cash advances, SMB loans, consumer loans, factoring receivables, trade finance, BNPL portfolios, earned wage access, litigation finance, and equipment finance. We do not lend against physical inventory, revolving credit card balances, or real estate loans.

No. We structure senior secured credit facilities that require the fintech or non bank lender to privately securitize an existing loan book at the time of closing the line. We do not have mandatory draw down schedules. You can access capital as you originate more loans or receivables, at your discretion. These facilities are designed to be expandable, allowing you to draw down additional capital as your origination volume grows.

Prepared borrowers can move from initial meeting to first funding in approximately 6-8 weeks. Exact timing depends on the asset type, diligence readiness, and transaction complexity.

Pricing reflects investor demand in the Percent marketplace rather than a static rate sheet. Percent does not publish rate ranges publicly, as pricing varies based on asset type, structure, and risk profile.

No. Percent syndicates your facility to accredited and institutional investors through our marketplace. You do not need to source investors or manage investor relations independently.

Percent manages the lifecycle of your facility. While investors fund your deal through our marketplace, you work directly with Percent. We handle underwriting, structuring, monitoring, servicing, and investor communications.

Yes. We structure facilities with efficient funding in mind, subject to performance, increased collateral and ability to comply with Percent’s reporting requirements. Post-close reporting builds a track record that supports future raises. Additional capital can be accessible within 60 days of closing your first tranche of private debt on Percent.

Borrowers provide regular performance reporting, typically weekly or monthly depending on asset type and structure. Requirements are defined during structuring and support ongoing monitoring and investor confidence.