How does an online Credit Marketplace work?

RainFin uses technology to operate a credit marketplace at a lower cost than traditional bank loan programmes, passing the savings onto Borrowers in the form of competitive rates, and to Investors in the form of attractive risk-adjusted returns.
Here's how it works
  • Borrowers interested in a loan complete an online registration and application.
  • We leverage online data and technology to complete a risk assessment and determine a credit rating. A combination of manual and algorithmic moderation is then performed to qualify loan requests: qualified loans are published on RainFin's credit marketplace.
  • Investors (Institutional and Retail) place orders to purchase Participation Notes, which are directly linked to the economic interest on loans. A single offer is presented to the Borrower. Upon acceptance, the respective orders are concluded and Participation Notes are issued.

The entire process is online, using technology to lower the
cost and enhance efficiencies of the lending process.
Better for both Borrowers and Investors
Easy, online application

Lower cost to capital

Lower fees

Access to a number of Investors

No early settlement penalties

Access to a new asset class i.e. Alternative Credit

Attractive fixed income returns

Lower fees

NCR & FSB regulated platform

Enable high-growth middle-market businesses to access debt to scale