Providing funding solutions since 1995
Over the past thirty years, we’ve empowered boutique and non-bank lenders seeking to expand their volume via securitised funding and comprehensive support.
Composite Capital provides
funding, systems and support
Making securitisation
the path to growth
We ensure funding certainty for lenders, with transparent eligibility criteria. Our advanced solutions empower our partners to scale rapidly. By offering institutional-level funding costs applied at origination, we facilitate sustainable growth and financial efficiency.
Systems that work for your team
Our processes and systems have been refined to an art over a quarter century of non-bank lending. Our partners can access our cutting-edge digital finance technologies, including origination platforms and collections systems to enhance their team’s performance.
A safe pair of hands
There isn’t a lending challenge we haven’t seen and overcome. Let our experience become yours.
We know the industry and its challenges and can support you to navigate the course to success.”
Insights article
The power of securitisation warehouse funding
In today’s dynamic business landscape, access to capital is fundamental for growth and sustainability. This article delves into the significance and myriad benefits of leveraging securitisation warehouse funding for business lending growth.
Securitisation warehouse funding involves bundling together various types of debt, such as loans or mortgages, and transforming them into securities that can be sold to investors. This process enables lenders to replenish their capital reserves and continue issuing loans to businesses and individuals. Here’s why it matters:
Enhanced liquidity
By securitising their loan portfolios, lenders gain immediate access to liquidity. This infusion of capital allows them to originate new loans and meet the increasing demand for business financing promptly. Consequently, businesses benefit from timely access to funds to fuel their growth initiatives.
Risk mitigation
Diversifying risk is a crucial aspect of financial management. Securitisation spreads risk across a broad investor base, reducing the exposure of individual lenders to defaults or market fluctuations. As a result, lenders can operate with greater confidence, facilitating a more stable lending environment conducive to business expansion.
Capital efficiency
Securitisation warehouse funding enables lenders to optimise their capital utilisation. Instead of tying up capital in long-term loans, they can recycle it efficiently by securitising existing assets and channeling the proceeds back into new lending activities. This cycle of capital deployment promotes agility and responsiveness in meeting the evolving needs of businesses.
Access to diverse funding sources
Securitisation opens doors to a diverse range of investors, including institutional investors, pension funds, and asset managers. This broad investor base provides access to different funding sources at competitive rates, reducing dependency on traditional banking channels and fostering innovation in lending practices.
Scalability and flexibility
As businesses grow, so do their financing requirements. Securitisation warehouse funding offers scalability and flexibility, allowing lenders to adjust their funding capacity in line with market demand and portfolio expansion. This adaptability is crucial for accommodating the diverse needs of businesses across various sectors and stages of development.