Investors are constantly looking for new reliable ways of achieving higher than average returns on their capital
The fast growing UK SME market experiences short term cash constraints and a lack of working capital which banks struggle to satisfy, especially in view of their strict regulatory requirements.
This allows investors seeking consistent income generating returns the opportunity to build diversified loan portfolios through lending to the underfunded SME market.
Loan portfolios, managed prudently through institutional level of underwriting and monitoring, allow investors to receive attractive returns as well as useful diversification into a non correlated asset class.
We offer investors an option to gain immediate access to loan portfolios in a well-established, regulated open ended investment fund (CB Growth Fund http://www.cbgrowth.com) or to build bespoke loan portfolios through other investment vehicles (SPVs) which meet institutional investors’ specific requirements.
CURRENT INVESTOR CHALLENGES
- Low returns on deposits
- Low returns and increased risk on European Government bonds
- High risk and volatility on stock exchange investment
- Long term reward/risk profile of private equity investment
- Low & often unpredictable return on retirement annuities
YesGrowth has developed a lending model illustrated in the graphic.
Companies with surplus funds
High net worth individuals
Established, registered LTD,
LLP or SPV
In-depth analysis & due diligence
of lenders and loans
Low correlation with other asset classes
Institutional level of undewriting
and portfolio management
Consistent level of returns
Deal flow origination
- Highly scalable multi-channel loan origination
- High level of loan diversification
- Multi product portfolio