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uniCAP · Originator facility

For originators · Specialty finance ·
Fintech lenders

Rolling funding for continuous origination.
Rolling funding for continuous origination.
Rolling funding for continuous origination.

A recurring monthly facility that funds new originations against a monitored borrowing base — capital that arrives as your book grows, not after it.

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How it works

A revolving facility for ongoing originations

Eligible receivables are financed through a revolving borrowing base structure, with recurring funding for new originations and monthly borrowing-base re-testing and performance monitoring.

Eligible receivables are financed through a revolving borrowing base structure, with recurring funding for new originations and monthly borrowing-base re-testing and performance monitoring.

Eligible receivables are financed through a revolving borrowing base structure, with recurring funding for new originations and monthly borrowing-base re-testing and performance monitoring.
Facility setup
Facility setup

Facility closes with an approved borrowing base and eligibility criteria for new receivables.

Monthly funding
Monthly funding

Each month, new originations are pledged and funded against the base at the agreed advance rate.

Ongoing re-testing
Ongoing re-testing

Collections revolve or amortize per the facility documents; the base is re-tested monthly.

Designed for

Designed for

Fintech lenders with steady monthly origination volume

Fintech lenders with steady monthly origination volume

Regulated finance companies scaling an established product

Regulated finance companies scaling an established product

Originators who want predictable, repeatable funding cadence

Originators who want predictable, repeatable funding cadence

Key risks

Key risks

Monthly borrowing-base and performance reporting

Monthly borrowing-base and performance reporting

Concentration and eligibility covenants per facility documents

Concentration and eligibility covenants per facility documents

Independent collateral review rights

Independent collateral review rights

Think uniCAP fits your book?

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