Higher Returns, More Protection.

Top investors have had the same formula for financial freedom: solid and consistent performance. This is why, with the changing market conditions, they are turning to asset-based credit, our specialty.

SCIO is a market leader, particularly when it comes to sourcing, structuring, and financing asset-based loans. Thus, benefiting from contractual, predictable cash flows - the dream of every investor. This is how we provide strong risk-adjusted returns year after year.

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The Safe Harbour During Financial Storms.

Corporate bonds may seem like a safer alternative, but their return depends on the issuer's performance. The return of asset-based loans, on the other hand, depends on the cash flow of the underlying assets. Such is a significant benefit during periods of economic uncertainty or higher inflation.

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01

Prioritising Capital Preservation

02

Targeting Niche Credit Sectors

03

Investing In Asset-Backed Loans

04

Focusing on Northern-Central Europe

What Our Borrowers Have to Say.

Cameron Stevens

CEO & Founder, Prodigy Finance

SCIO Capital has been transformational in our funding journey.

By providing flexible debt capital, SCIO has been a great collaborator, quick decision maker, and dedicated to understanding the complexities of our business as we work toward continued impact through the transformative power of education – as well as being (occasionally) funny, human, and pragmatic to work with. Everything you need in a partner.

5
.
0
starstarstarstarstar

Stewart Doyle

CEO, SFD Capital

Simply put, a great long-term funding partner.

SCIO, in my opinion, is the most complete and solutions orientated alternative lender in the Irish market. Having worked with them on numerous projects over the last several years, I have found them to be easy to work with, highly collaborative and professional at every stage of the funding process.

5
.
0
starstarstarstarstar

Cameron Stevens

CEO & Founder, Prodigy Finance

SCIO Capital has been transformational in our funding journey.

By providing flexible debt capital, SCIO has been a great collaborator, quick decision maker, and dedicated to understanding the complexities of our business as we work toward continued impact through the transformative power of education – as well as being (occasionally) funny, human, and pragmatic to work with. Everything you need in a partner.

5
.
0
starstarstarstarstar

Stewart Doyle

CEO, SFD Capital

Simply put, a great long-term funding partner.

SCIO, in my opinion, is the most complete and solutions orientated alternative lender in the Irish market. Having worked with them on numerous projects over the last several years, I have found them to be easy to work with, highly collaborative and professional at every stage of the funding process.

5
.
0
starstarstarstarstar
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Differentiated Product, Not a Commodity.

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Niche
Niche
Niche

SCIO targets a niche market, allowing us to negotiate better terms and pricing for our loans. As these markets are small, they have less competition. They are more complex than corporate lending, thus requiring specialist knowledge. These two aspects serve as a barrier to entry for new competitors. Larger entities also find them unappealing due to their size. This allows us to utilize the niche and provide exceptional returns to our investors.

Niche
Asset-Based
Asset-Based
Asset-Based

Thinking of private credit? Usually, corporate lending will come to mind. It can take several forms, either a loan from a bank or an issuance of debt into the market. But there is a key problem with this product: it relies on future profits from the borrower to repay the loans. If the firm is unprofitable, the loans will not be repaid in full, or at all.

We minimize this risk for investors by focusing on asset-based lending. Assets secure the loan. Even if a borrower is unprofitable, we can sell the collateral for repayment. Thus, investor capital is protected.

Asset-Based
Flexible
Flexible
Flexible

Funds usually target private asset-based loans or asset-backed securities. Rarely both. Why? Because private lenders hardly have the required expertise to navigate public markets. They are either bankers or lawyers, not traders who have the expertise to source, structure, and underwrite private loans.

We have both, allowing us to participate in both public and private markets. As we have expanded our range, we have gained a competitive advantage, from which our investors benefit.

Flexible
Experienced
Experienced
Experienced

One of the key benefits of asset-based loans is their collateral diversity. Hundreds, if not thousands, of underlying assets support them. Yet, this also makes them more complex. Proper analysis requires complex statistical analysis. Our team has the requisite training and experience to undertake this analysis.

Furthermore, dealing with underperforming loans requires experience. Our investment team is one of the most experienced in the market. This allows us to maximize the value of underperforming loans. The result is better performance for our investors.

Experienced

Sounding Compelling?

Let’s Schedule a Meeting.

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SCIO News & Insights.

central bank
central bank
4 min read
March 24, 2024
Blog: Diamonds, Dogs And Central Banks.

Diamonds, they say, are a girl’s best friend. For men, it’s a dog. And for private credit fund managers, it’s central banks. Following more than a decade of ultra-accommodative monetary policy, yield-starved investors faced with low/negative interest rates have been forced to accept more risk for less return, driving nominal yields on public credit to historical lows. Private credit, unlike public credit, does not trade and therefore is not directly impacted by monetary policy. This has allowed private credit to largely avoid the negative monetary policy effects seen in public credit, resulting in a significant relative-value divergence between the two. For investors able to hold illiquid assets, we recommend overweighting private credit relative to public credit to increase portfolio returns and decrease risk.

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