Prosperity from performance

SCIO's European asset-based private credit strategy has consistently generated strong returns while protecting investor capital.

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Higher Returns, More Protection

SCIO (pronounced “SKEE-o”, Latin for “I understand”) was founded in 2009 on the belief that outperformance in illiquid, niche markets is possible.

The European asset-based lending market—characterised by strong covenants and robust protection structures—are ideal in this respect: fragmented, with few competitors, and high barriers to entry.

Investors benefit from investments secured by assets with contractual, predictable cash flows. This is how SCIO funds consistently provide strong risk-adjusted returns year after year.

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Celebrated excellence

The Safe Harbour During Financial Storms

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Prioritising Capital Preservation
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Targeting An Underserved Market Segment
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Investing In Asset-based Loans
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Focusing on Northern Europe and UK

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

What Our Borrowers Have to Say

Cameron Stevens
CEO & Founder, Prodigy Finance
Dirk Buiting
Partner, Lease & Finance House
Stewart Doyle
CEO, SFD Capital

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.

A great collaboration and a good sparring partner.

SCIO has helped us extremely well with the implementation of our new funding structure. They enabled us to further expand our leasing proposition and build out the LFH business for the future. We have found SCIO a very accessible and creative sparring partner in the process.

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.

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.

Dirk Buiting
Partner, Lease & Finance House

A great collaboration and a good sparring partner.

SCIO has helped us extremely well with the implementation of our new funding structure. They enabled us to further expand our leasing proposition and build out the LFH business for the future. We have found SCIO a very accessible and creative sparring partner in the process.

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.

Differentiated Product, Not a Commodity

Niche

SCIO targets an underserved market segment with high barriers to entry and limited competition, allowing us to negotiate better terms and pricing for our loans.

Asset-Based

Corporate loans rely on a borrower's future profits to repay the loans. If the firm is unprofitable, the loans will not be repaid in full, or at all.

SCIO's loans are secured by collateral, giving us the ability to sell the collateral for repayment. Thus, investor capital is protected.

Flexible

Funds usually target private asset-based loans or asset-backed securities. Rarely both. Why? Because most private lenders rarely employ traders, thus lacking the required expertise to navigate public markets.

SCIO was founded by, and employs, traders, allowing us to participate in both public and private markets. This competitive advantage allows us to seamlessly navigate both private and public markets, providing our investors the highest risk-adjusted returns.

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 to analyse. SCIO's team are specialists in this type of analysis, bringing an average of 27yrs of experience to bear.

The team's extensive experience also allows us to maximize the value of underperforming loans, resulting in better performance.

Sound Compelling? Let’s Schedule a Meeting.

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