Smarter lending. Smarter investing.

Enhanced scalability for originators’ lending business

Originators

Enabling investors to build a diversified portfolio of loans via bonds

Investors

CrossLend is connecting the world’s investment capital with the real economy’s financing needs through single-loan securitisation

Loan investment via bonds

Loan A
Loan B
Loan C

Sale A
Sale B
Sale C

Bond A
Bond B
Bond C

The European Debt Exchange for single loans

An innovative solution

CrossLend brings together loan originators and institutional investors from across Europe on a single platform. We enable our partners to conduct their business more efficiently and effectively by means of our unique single-loan securitisation process, which transforms loans into bonds on a 1 loan:1 bond basis.

Our aim is to help institutional capital flow more steadily throughout Europe, while building a complementary and seamless risk-transfer mechanism.

Transparent, fungible bonds and CSSF-licensed set-up

Through CrossLend’s vehicle – approved and supervised by the Commission de Surveillance du Secteur Financier in Luxembourg (CSSF), Luxembourg’s financial regulator – illiquid loan receivables are turned into bonds. Each bond has its own ISIN, is settled through Clearstream and is fully transparent as it represents a single loan.

Single-loan vs traditional securitisation

Benefits to our partners

Loan originators

  • Expansion and diversification of funding sources through a single platform
  • Precise risk management as transactions are made on a single-loan basis
  • Access to cross-border institutional
    investors
  • Increased speed, simplicity and cost reduction by using a ready-to-go structure
  • No warehousing: loans can be securitised
    as they are generated
  • Securitisation of many types of assets, no need for homogeneous receivables as in traditional securitisation
  • Focus is kept on originating, servicing
    and customer relations

Institutional investors*

  • Access to a non-correlated asset class historically yielding attractive returns
  • Investment into otherwise difficult to
    access opportunities
  • Reduction of compliance workload with a single onboarding for all transactions
  • Investment in products from fully appraised international originators
  • Full investment transparency
    (1 bond:1 loan)
  • Effective deployment of capital, even
    on a daily basis
  • Streamlined reporting that simplifies
    compliance workload

Join the platform

Join the platform that’s set to reshape the lending economy in Europe and beyond – contact us today!

Contact us

*Disclaimer: The material on this site is intended solely for informational purposes. Under no circumstance shall it be construed, by implication or otherwise, as an offer to sell CrossLend Notes or as legal, tax, or investment advice. No guarantee of any kind is implied or possible regarding the suitability of the solutions described on this website in particular where predictions regarding the possible regulatory treatment of the Notes are attempted. Investments in Notes are subject to risks, which should be independently considered prior to making any investment decisions. By using this site, you agree to the terms of use.