Invest in consumer credit

Invest in consumer credit

Investors are increasing allocations to retail consumer debt, searching for value and resilience in a volatile, low return market.
Adding consumer debt to a portfolio can deliver income, increase return potential and provide diversification. Creditmonga provides entry to investors in this traditionally inaccessible asset class.

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Investment opportunities

Direct lending Our forward flow option enables investors without specialist consumer credit capabilities to leverage our technology and experience and purchase beneficial rights of whole assets within their targeted risk-reward parameters. Performance related compensation on forward flow sales ensures an alignment of interests between Creditmonga and our Partners.
Origination
We have a self-service online loan application and origination process. Covering customer sourcing, onboarding, verification, credit assesments and regulatory checks.
Loan servicing
We have self-service online customer accounts which are supported by our in-house customer service team. Our loan servicing covers payments, administration, record keeping, collections and accounting.
Standards and practices, Regulations and licencing
Products and lending decisions based on personalised affordability and customer wellbeing ensuring highest standards of responsible lending. Compliance with regs and licencing
Underwriting
Enhanced underwriting of loans, with assessment of credit risk using data and analytics, while allowing flexibility in lending decisions taking account of individual borrower circumstances.
Technology data
Using our technology to increase customer experience, seamless application and loan management efficiency and reduce cost, Gaining insights from our data to aid product design, lending decisions and pricing
Products and pricing
Lending products that cater for varied borrower profiles; lower income, lower credit. Competitive, fair and transparent, risk-based pricing allowing for borrower circumstances.
Why invest in consumer credit
Access to non-mainstream asset

Access to consumer loan investments that are traditionally limited to banks and specialist lenders.

Competitive returns

Earn competitive returns lending to a diverse pool of borrowers on our market leading platform.

Income stream

High yield on loan holdings is a good source for income for a portfolio

Diversification

Investing in a non-mainstream asset with a low correlation to other asset classes, enhancing portfolio diversification and reducing volatility

Our platform and technology

Leveraging on our leading platform that has been built using latest technology and security standards.
Register new clients accounts online
Manage clients accounts online
Manage your adviser accounts online

Security and compliance

Compliance with regulatory standards including the AML, KYC, Consumer credit, Client money and more.
Security of customer data is provided through high grade data protection & encryption, authentication and user access management

Capital at risk
Investing via Creditmonga involves lending to individuals and businesses. Your investments are not covered by the Financial Services Compensation Scheme (FSCS). The value of investments and the income from it can go down and you may lose all your investment. It is important to the understand the risks involved. While OF strive to provide information for you to make an assessment of each investment, this is not advise tailored to your circumstances. If you are not sure if investment is right for you, seek advice from an independent financial adviser – see [more for risks link to risks