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.

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.

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.

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.

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.

Why we're well placed to give you an edge

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.

Monitor all activities

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

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.

Standout benefits

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

Bespoke service

Pepper Advantage has unrivalled experience in managing bespoke portfolios on behalf of individual clients, and responding to risk profiles and key performance objectives. We bring the most advanced thinking to the sector, thanks to our continually evolving data and analytics systems.
Second-to-none experience

By partnering with Pepper Advantage, you’ll have immediate access to our highly experienced management teams. With both a lender’s and an investor’s mindset, our experts combine risk decisioning with long-term strategy.
Independent outlook

As an independent third-party partner, our business structure ensures total alignment, with no conflicts of interest relating to client portfolios.
Cashflow modelling

Combining our knowledge of the most effective recovery strategies, most efficient asset realisation channels and operational considerations, we can produce accurate and dependable cash recovery models.
Full-service methodology

Pepper Advantage is viewed as a one-stop-shop to investors thanks to a full-service offering across the lifecycle of loan servicing and asset management. Strong data management practices and an integrated partnership methodology mean we meet individual needs effectively.
Regulatory help
More investors are seeking opportunities to invest in a wider number of asset classes and jurisdictions. However, in some cases they’re unwilling or unable to take on operational and regulatory loads for every asset in each territory. Pepper Advantage can provide a unique service for those investors, managing the fiduciary requirements as part of an integrated offer. Functions include:
- Legal title holder for regulated mortgage products
- Regulated asset purchaser for NPL assets
- Holder of leasing licence to optimise investor asset monetisation

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

Breaking ground

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

Co-investing strategy

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

High-calibre professionals

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

Tailormade approach

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

Supportive partnerships

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

High-yield opportunities

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

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.

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