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We Linq artificial intelligence & machine learning with credit underwriting.

By using a.i and data analytics we enable a seamless credit origination, structuring, underwriting and distribution process. See our platform today

Coming Soon

THE VISION

Build an artificial intelligence enabled Credit Asset Management Company

THE MISSION

Serve the "forgotten small and middle" market corporates and yield starved investors

The post-crisis era has seen private debt become an established asset class in its own right, matching the needs of yield-seeking institutional investors and companies looking for capital to grow.”

- Bank of NY Mellon

We aim to deliver

Process efficiency: reducing the “time to yes” 

for SMEs.

Higher standards: transparency, consistency, and auditability for Investors.

Accurate credit assessments that incorporate traditional and alternative data sources
– It’s all about better lending decisions.

Great Customer Service for both SMEs 

and Investors.

Agile porfolio management across borrowers and the portfolio for distribution and scaling AUM.

ESG Leadership: Responsible and rigorous ESG screening for all borrowers and in compliance with industry-leading UN Principles for Responsible Investing, and the MAS Goals for Sustainable Finance.
THE PROBLEM

POOR TECH ENABLEMENT

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Lending industry’s dynamics are changing rapidly. A whole new breed of lenders are fundamentally transforming the industry and redefining its modus operandi. Most Financial Institutions are still doing things the traditional way and grappling with the challenges of legacy systems and outmoded processes.”

InfoSys, Whitepaper, Rethinking Credit Lending

THE PROBLEM


YIELD STARVED INVESTORS

Interest Rates on Government Bonds have collapsed as a result of quantitative easing globally. Pensions and Insurance companies are under pressure to fill their own funding gaps by seeking out higher returns.

 

Large Corporates have issued record amounts of debt, some names like Nestle now trade below 0%.

 

Investors are turning to private markets to escape negative returns.

THE SOLUTION

A.I ENABLED ASSET MANAGEMENT SOLUTION

Disrupt the asset management market by providing fintech empowered origination, structuring, To deliver faster and better solutions for investors.

Build automated, UI driven origination capabilities that are necessary for scaling a Credit Asset Manager.

Incorporate AI and Machine Learning in the credit underwriting and monitoring algorithms to enhance, speed up and deliver timely decisions.

Develop country and industry specific credit scorecards to determine loan pricing and credit scoring for each borrower and across the portfolio, providing the optimal risk-return profile that our investors demand.

Credit Underwriting
A New Approach

Traditional Datasets

Macro/micro drivers

Geography, Industry, Sector, Peers

Financials/Credit Bureau

Team and history

Banking relationship

Alternative credit relationships

Governance

Alternative Datasets

Social Media (FB, LinkedIn etc)

ERP/Accounting software access

Biometric/Geolocation

Mobile phone datapoints

Web usage

Bills: Payment history

Personal data (CEO, CFO, Treasurer)

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