CrossLend offers a unique securitisation structure, transforming loans into notes on a portfolio or 1 loan:1 note basis. Loans can be sold on a forward-flow basis, offering balance sheet relief, in turn allowing originators to focus on origination, servicing and customer relations.
CrossLend securitisation enables originators to expand their origination capacity leading to an increase of fee generation while simultaneously attaining higher ROE via diversified funding sources. Our unique forward-flow financing solution also eliminates traditional warehousing costs.
Our flexible securitisation process can help originators overcome existing and upcoming challenges resulting from capital requirements and regulation, such as Basel III/IV and Solvency II.
Increased lending capacity gives originators the opportunity to grow their business to new and existing customers across Europe.
Active since 2014, our team of legal, IT and financial experts have experience working at the leading edge of finance for and with some of the industry’s most reputable investment banks, rating agencies, insurance companies, auditors and law firms.
CrossLend’s Luxembourg SPV is contractually protected by limited recourse and non-petition provisions that give effect to the insolvency remote provisions of the Luxembourg securitisation law.
CrossLend’s Luxembourg SPV is supervised by the Commission de Surveillance du Secteur Financier (CSSF) in Germany, CrossLend GmbH acts as tied agent of FinTech Group Bank AG within the scope of § 2 para. 10 of the German Banking Act.