Portfolio

OAFIT's portfolio covers the entire private debt spectrum and benefits from market leading financial technology and architecture with deep and experienced corporate finance due diligence capabilities.

OAFIT are uniquely positioned to credit assess more complex receivables and corporate finance transactions and provide traditional trade and debtor finance solutions to corporate lending opportunities. We have regularly scaled our portfolio and continue to grow our bandwidth in our areas of focus. The trust is supported by ~100 FTE across our underlying funding vehicles and has returned consistent best of breed returns to all our investors and sponsors.

OAFIT funds the Finstro and FC Capital businesses providing investors a co-mingled portfolio of ABS across the entire Australian private debt sector. Both underlying funders cross-pollinate, notably receivables and transaction management utilising Finstro's award winning technology and architecture as well as FC Capital's corporate finance expertise.

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Asset Categories

Our clients operate in a broad range of industries and geographies throughout Australia. Keys sectors that we focus on include: Agriculture, Transport and Logistics, Healthcare, Technology and Information Media, and Sea Containers and Leasing.

Invoice Financing

Commonly used form of finance where the underlying asset is the receivable related to the client’s sale of goods and services on payment terms. Advance rates vary depending on the credit strength of the client and diversification of the underlying receivables portfolio. Trust exposure always at or below insured amount.
Characterised by short-term (typically 30-90 days), diversified pool of trade credit insured receivables.
Client lending solutions include traditional invoice discounting, invoice factoring and lease receivables.

Supplier Financing

Finance programs designed around funding payments to a businesses' suppliers.

Characterised by short-term (typically 60-180 days) principal repayment.
Commonly applied to fund inventory or take advantage of supplier offered earlier payment discounts or wholesale/bulk deal offerings.

Forms of supplier finance via web-based portal & mobile applications, trade credit insurance available across programs.

Secured Lending

Shorter-term corporate funding arrangements, typically less than 24 months.
Purpose based structured financial solutions supported by physical security.
Experienced in-house corporate finance team performing rigorous up-front and on-going due diligence process for each exposure.
Fixed and variable repayment options and underlying security arrangements commensurate with client strength, transaction structure, and meeting internal Credit Policy requirements.
Physical security taken in all instances, i.e., General Security Arrangement (GSA), registered mortgage, Specific Security Arrangement (SSA), and personal guarantees.
A distinct focus on underlying assets, and where possible leveraging investment grade or government obligors/debtors in the R&D sector.

SME Loans

SME loans not categorised as either invoice or supplier finance.
Smaller average loan size, 10-50k financing future cash flows and factoring EFTPOS receivables.
Duration up to 12 months.
Rigorous borrower credit assessment utilising national credit scoring databases combined with the Manager’s proprietary asset and liability credit management infrastructure.
General Security Arrangement (GSA) is always taken in support of the loan.