Access to performing credit
Acting as an intermediary, Pepper Advantage sources and prosecutes performing credit investment opportunities. We specialise in bid development, discrete portfolio trades, forward flow arrangements, portfolio valuation, credit underwriting and sales activities. We also handle trade execution, structure investment platforms, and manage credit and portfolio performance.
Access to non-performing credit
Pepper Advantage’s specialised NPL and RPL (non-performing and reperforming) expertise provides investors with access to residual trades and co-investment opportunities. We play a key role in legacy portfolio exits by acquiring residual assets and co-investing as equity partners, offering advisory and deal structuring services to enhance investor returns.
Lending as a service
We facilitate lending to specific borrower or asset profiles to generate investor returns. We mitigate investor risk and offer specialist investment propositions through technical due diligence, portfolio management and valuation, advisory and representation, strategic planning and cost reduction tactics.
Key benefits
Full-service approach
Your one-stop shop for comprehensive, tech-enabled credit investing services.
Coinvest strategy
We invest our capital to align incentives with partner investors and to broaden our service range.
Credit risk expertise
We leverage our expertise to price risk, ensuring robust, adjusted returns.
Data and analytics-led
Our D&A systems enhance loan portfolio valuation, manages margins and improves recoveries.
High-yield opportunities
With our client base and credit intelligence, we uncover high-yield opportunities competitors miss.
Execution track record
We embrace complex deals and introduce innovative solutions in new asset classes or jurisdictions.
Funding and securitisation advisory
Experienced in structuring and closing efficient funding solutions for portfolio investments.
A hub for credit investment
We offer more than a pure play loan servicer – we’re a centre for credit investors, providing the servicing operations, technologies, data analytics and insights that allow you to make the right investments and drive business growth.
Tight rein on investments
We specialise in underwriting and reviewing portfolios, refining credit strategies and delivering tech-enabled market analysis to provide comprehensive support for strategic development and investment decision-making.
Fast-acting for better outcomes
We are proactive and flexible, assisting investors on both buy and sell sides with swift exits or portfolio extension, ensuring responsiveness to market dynamics and optimising investment outcomes.
Credit Gateway excellence
Bespoke approach
Built-in reliability
Agile partnership
Access to experts
True visionaries
Client satisfaction
The potential in credit investment looks impressive, but there are challenges and the road ahead is unlikely to be bump-free. Pepper Advantage’s agile data and analytics platform enables investors to make the most informed decisions possible, predicting behaviour and stress-testing investments for a variety of outcomes.
