Synthetic Lending Solution

Increase your customers, not your risk

Our Synthetic Lending Solution allows card issuers to accept more customers – but without retaining the credit risk on these incremental customers.  Our Solution also allows you to retain full control of the customer journey and account relationship.

AHPP’s Synthetic Lending Solution is the first market solution tailored to meet your specific needs. We have the experience and skills to help you structure the right sort of partnership for your bank, focusing on your priorities.  Our Solution helps you find the right balance between maximizing incremental customers and optimizing economic value add.  

Our Synthetic Lending Solution will:

caret-rightenable you to accept more customers than your current credit cut-offs permit

caret-rightoffer you the full learnings from exploring deeper in the credit spectrum whilst ensuring your valuable customer data is never shared with competitors

caret-rightprovide you with a long-term solution with high quality counterparties – creating a “through the credit cycle” solution – key for both you and your co-brand partners

caret-rightplace you in full control of the customer journey and let you determine, in consultation with your partner, what product changes – if any – you want to make as you go deeper in the credit spectrum.  There is no “handing off” of customers

caret-righthelp you find the best counterparty to buy your higher risk card receivables – achieving the best economics for you (and your co-brand partners) and the best also in terms of strength of financial commitment

By broadening your risk capabilities, you benefit by being more competitive in future co-brand RFP processes as well as being better equipped to retain existing co-brand partners.

You can include in our Solution an initial portfolio sale of existing higher risk receivables.

What to Expect With AHPP

Proactive, expert support

Bespoke service
A solution tailored to your specific needs

Extensive and deep experience
Only firm on the market with the experience to provide this service

Full transaction support
Including the preparation of valuations, sale documents, due diligence, etc

Work with us

Get in touch

If you’re interested in working with us or would like more information about our Synthetic Lending Solution, please don’t hesitate to get in touch

Work with us

envelopecontact@ahppartners.com

phone+44 207 451 7080 (UK)

phone+1 302 351 2439  (US)