Credit Investment and Advisory

 

Pepper Advantage has developed an industry-leading credit-investment and advisory platform which provides services to leading financial institutions in the UK and Europe, while establishing strong footholds in emerging markets, including in Southeast Asia.

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What we do

 

As part of our bespoke credit investment strategy, we invest in portfolios both on a co-invest and on a residual, tail-trade basis and also provide a breadth of service that covers the full lifecycle of the loan from origination to arrears management, from asset valuation to asset monetisation. 

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Acquiring residual assets

Many investors see Pepper Advantage as integral to the exit of their investments, playing a key role in servicing continuity. We participate in portfolio exits through purchasing small residual tails of assets.

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Co-investing alongside our clients


For over a decade, we have been using our own funds as equity partners in support of our servicing strategy and aligned with client investment or divestment strategies. In addition, we offer advisory and deal structuring in support of investor cash deployment.

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A sustainable, competitive advantage

We’ll ensure your investment strategy supports your long-term business plan, and we’ll advise on the process for developing and managing your portfolio. Our services include technical due diligence, portfolio management, advisory and representation, planning and strategy, and cost reduction tactics.

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Why we're well placed to give you an edge

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One-stop shop for credit investing

We offer more than a pure play loan servicer – we’re a one-stop-shop for credit investors, providing the operations that allow you to make the right investments and drive business growth.

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Monitor all activities

We underwrite and review portfolios, refine credit strategies, and deliver tech-enabled market analysis to support strategic development.

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Act fast for beneficial outcomes

We are proactive and flexible, helping investors on both buy and sell sides to exit quickly or extend the life of a portfolio.

Pepper Advantage offers a full suite of credit facilities for investors, with solutions across the entire credit structure.

Our solutions

  • Credit investment
  • Due Diligence
  • Valuation Services
  • Portfolio underwriting
  • Asset management
  • Real estate advisory

Credit investment

For more than ten years, Pepper Advantage has been investing in portfolios both on a co-invest and on a residual, tail-trade basis, underwriting, assessing, and managing our own principal positions.

Due Diligence

We carry out loan file due diligence and legal reviews of documentation. We also cover pay rate, asset leakage and other loan analytics.

Valuation Services

Pepper Advantage carries out desktop and drive-by valuations of residential and commercial real estate assets, as well as non-real-estate collaterals.

Portfolio underwriting

We have underwritten multiple portfolios across numerous territories and asset classes over the past decade.

Asset management

Pepper Advantage oversees the commercialisation and monetisation of assets, as well as carrying out technical maturity and due diligence.

Real estate advisory

We’re experienced at onboarding large and complex real estate portfolios, as well as formulating and executing asset management business plans.

Key benefits

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Breaking ground

We embrace complex deals and innovate, and introduce new solutions to different territories whenever possible.

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Co-investing strategy

We use our own capital to broaden the range of services that we offer.

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High-calibre professionals

Having the strongest and most qualified teams means we can take advantage of complex transactions with ease.

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Tailormade approach

We bring real agility and a bespoke approach to every situation, rather than off-the-shelf solutions.

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Supportive partnerships

Pepper Advantage supports its partners and enables them to do things they’d otherwise be unable to do.

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High-yield opportunities

We’re experts in spotting the elusive high-yield opportunities that our competitors often miss.

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We never fail to execute

We love a challenge and leap on opportunities in new classes and jurisdictions. We have a blue-sky thought process.

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Funding and securitisation advisory

We have considerable experience in structuring and closing efficient and balanced funding solutions for portfolio investments.

Get the full Advantage

Our goal? To give people an edge, to help them succeed.

 

For answers to your questions and information on how Pepper Advantage’s tech-enabled business model and Intelligence Platform can help your business grow

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