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Guide,
Connect,
Execute.

Industry experts at dotting the i's and crossing the t's so FinTech Loan Originators and Embedded Finance platforms can secure the funding they need to scale their businesses. 

When you only get one chance to make a good first impression, we make sure it counts.

Why do we advise?

Institutional debt financing is a totally different ball game to raising equity capital.

We fill in the knowledge and networks that founders often lack.

We bring seasoned capital markets veterans that would be near impossible to hire as full time employees.

Earlier-staged startups often make the mistake of hiring for roles that should be outsourced instead of hiring for roles that institutional debt investors would want insourced. Hire smarter by working with us.

More than an outsourced capital markets team. We advise C-Suite, boards, equity investors, heads of risk, credit & product, tech, legal, accounting and finance teams so that you always put your best foot forward.

Looking at a strategic acquisition or disposal (business spin-off, loan book acquisition, competitor roll-ups, etc)? We have the experience to advise you and your board of directors.

When do we advise?

We like to work with clients prior to starting a debt capital raise.

This allows us to ensure we have enough time to build solid foundations. While there is no specific time period, it’s important that we have enough time to carry out the first step in our process and that’s dependent on each client’s individual status.

Who do we advise?

We’re focused on emerging and frontier markets but also will work on new and novel asset classes originated by FinTechs in developed markets.

Fintech Loan Originators

Who are looking to raise debt capital from global institutional investors or who need strategic M&A advice for their whole business, loan portfolios or lending operations.

Embedded Finance Startups

Who need help building and validating their new lending product and the infrastructure to support it before stepping out in front of debt investors.

Venture Capital Firms

Who need help optimising and growing their FinTech portfolio companies.

How do we advise?

Raising capital as a FinTech Loan Originator or Embedded Finance platform in an emerging market is no easy task. With us, you’re in safe hands.

Step 1

Assess, Review, Guide.

Analysing loan product investor suitability, underwriting policy, credit scoring framework, risk management and collections, HR, KYC and AML policies, cashflow modeling. We check every box, find the skeletons in the closet and begin building solid foundations.

Step 2

Market, Filter, Connect.

Creating investor lists, settling on funding structure(s), reaching out and identifying just the window-shoppers. We kiss the frogs so our clients can find their prince.

Step 3

Transact, Document, Execute

Creating price-tension and negotiating leverage, advising our clients on investor suitability and delivering a signed term sheet. Negotiating transaction documentation and overall deal structuring, managing external advisors (such as lawyers accountants, corporate service providers) and delivering a completed transaction. We stay involved and captain the transaction from “kick-off to closing”.

Step 4

Finalise, Review, Advise.

Assisting the platform’s compliance with operational matters post-closing. Advising the C-Suite and Board on “What’s Next” in their capital markets journey. We can be nominated to your board as an independent Director and its expert on capital markets, M&A and strategic funding and capital formation.

Ready to talk? Book a call with us today and get this show on the road.

Get in touch

Case Studies

Take a look at the journey we’ve taken our clients through.

For confidentiality reasons, company names and specific details have been left out.

Take a look

Case Study 01

E-Commerce platform building a buy now pay later product for merchants on their platform.

Industry

Fast-Moving Consumer Goods

Location

Nigeria

Loan Product

BNPL - SME

Worked with the platform to refine the loan product to be suitable for institutional debt investors - advise on tenor, size, underwriting criteria, collections & risk management, key personnel hiring.

Then ran a marketing exercise to identify multiple suitable credit investors with many investors submitting indicative term sheets. Signed term sheet and negotiated and executed financing conduit.

First ever “true sale” securitisation of BNPL assets in that jurisdiction. First ever cross-currency interest rate swap against BNPL loan portfolio. $75 million credit facility.

Case Study 02

Direct lender providing consumer loans using income sharing agreements.

Industry

Sports & Entertainment

Location

Europe

Loan Product

Consumer Income Sharing Agreement

Worked with the platform to refine the loan product to be suitable for institutional debt investors - advise on tenor, size, underwriting criteria, collections & risk management, key personnel hiring.

Then ran a marketing exercise to identify multiple suitable credit investors with many investors submitting indicative term sheets. Signed term sheet and negotiated and executed financing conduit.

$250 million credit facility. First ever “true sale” securitisation of incoming-sharing agreements for sports & entertainment industry using a Cayman Island forward-flow financing structure.

Case Study 03

Used car marketplace looking to provide direct lending for customers.

Industry

Auto Loans - Consumer & Fleet

Location

Pan-Africa

Loan Product

Auto Loan ABS

Worked with the platform to refine the loan product to be suitable for institutional debt investors - advise on tenor, size, underwriting criteria, collections & risk management, key personnel hiring.

Then ran a marketing exercise to identify multiple suitable credit investors with many investors submitting indicative term sheets. Signed term sheet and negotiated and executed two separate financings - one off-balance sheet (for two jurisdictions), one on-balance sheet (for four jurisdictions).

First ever “true sale” securitisation of used car loans in two jurisdictions. $85 million total size across two credit facilities.

Case Study 04

VC Fund wanted to merge two of it’s portfolio companies in the Neobank space.

Industry

Agent Banking / Neobank

Location

Pan-Africa

Loan Product

M&A Advice

Carried out full M&A pro forma modelling review, valuation and transaction structuring. Delivered M&A advice to both boards and VC fund.  Assisted with execution of transaction as well as spin off of a separate business division. $100 million valuation.

Get In Touch

Akses is a team of highly qualified seasoned professionals with decades of experience in a variety of different FinTech business models and jurisdictions. We are here to support your business at a critical time.

Let's get the conversation started...

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Who are looking to raise debt capital from global institutional investors or who need strategic M&A for their whole business, loan portfolios or lending operations.