Asset-based lending is on the rise

Private asset-based lending (ABL) has surged in recent years, driven by investor demand for attractive yields and diversified risk.

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What backs ABL?

Unlike corporate credit, ABL is secured by broad range of large, diversified pools of collateral.

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Why it matters

ABL doesn’t rely on a borrower’s profitability, but rather the strength of the underlying collateral. The promise of future profits is good. But we believe security is better.

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Faster repayment

Asset-based loans amortize over time, providing regular cash flow and risk reduction. Most corporate loans?  A lump-sum repayment risk at maturity.

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Strong risk-adjusted returns

ABL offers compelling returns with built-in downside protection – especially in volatile markets.

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Our focus

SCIO specialises in hard-to-access private European lower mid-market asset-based loans. Founded in 2009, we deliver institutional execution to an overlooked market segment.

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SCIO. Smarter credit.

In a world of rising geopolitical risk and mounting debt concerns, asset-based lending strategies offer resilience against public market volatility and rising long-term rates.

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SCIO specialises in sourcing high-conviction, hard-to-access ABL opportunities in the €5–25m segment — with institutional-quality execution and strong downside protection.