Private “Structured Finance” Lending

Private securitisations are a relatively recent development in capital market offer several advantages over mainstream broadly distributed public securitisation transactions. Issuers benefit from a cheaper, more rapid recycling of capital and investors benefit from an established security framework with a calculable risk profile and are being compensated well relative to risk for lack of liquidity.

Using traditional asset-backed financing techniques, the portfolio size is lower than comparable public transactions.  They can accommodate smaller niche markets and esoteric asset-classes and customers across the credit spectrum.



Asset-classes can include a diverse range of products such as auto finance, bridging loans, invoice financing, asset finance, second charge lending (which are reasonably familiar) or more esoteric receivables such as storage facilities, whole business securitisations and transport assets. Additionally, private securitisations are an option for issuers in other niche circumstances, for instance where a subset of the portfolio is more challenging to securitise publicly (e.g. limited performance history) or for assets where there is not yet a developed rating methodology. 

How TAO Solutions helps!

TAO Solutions technology enables industry participants to administer private transactions and introduce transparency from the underlying data to the generated reporting results.  This is particularly important given many transactions are unrated, unlisted (not public), pre-placed and therefore generally illiquid.

Our software as a service solution includes a number of key features that are used by our tier 1 customers around the world.  This includes:

• Automated data ingestion, validation and normalisation.
• Analytics of underlying data and related trend analysis / dashboards
• Efficient and effective pool selection and sale processes
• Ease transaction structuring and reporting without the need to understand coding language
• Standardised management reporting for on-going surveillance
• Finance – audit, accounting and bank reconciliation features
• Investor reporting

TAO Solutions also includes an ‘investor portal’ that enables the dissemination of confidential reports via a web portal.