Read below about the specialized alternative assets in which we invest…
MERCHANT CASH ADVANCE (MCA)
SMALL TO MEDIUM-SIZED BUSINESS LENDING (PERSONAL GUARANTEES)
Kanjorski Partners assists in financing small to medium-sized businesses through direct advances against discounted future receivables/sales. These advances are supported by the business’ expected future cash flows and also by the assets and credit worthiness of the business owners themselves (personal guarantees). This industry has grown to over $10B in assets in the US alone since 2011. Our direct merchant cash advance partners have been advancing to small and medium-sized businesses since 2007 and share our expertise in credit underwriting & management.
FIXED RETURN 11-13%
SYNDICATED (VARIABLE) RETURN 22-28%
non-performing CREDIT PORTFOLIOS (NPL)
non-performing consumer & COMMERCIAL credit
Kanjorski Partners assists in sourcing, evaluating and acquiring semi-performing and non-performing loan and credit assets from banks, finance companies, credit unions and other types of lenders. These delinquent or charged-off assets range from unsecured consumer loans, credit cards to self-pay medical accounts, to asset-backed auto or real estate loans.
Because of the highly-specialized expertise and valuation methodology required, only a small number of companies can successfully acquire and manage this type of investment.
Kanjorski Partners has deep experience in this niche alternative asset class. Our strict underwriting and valuation decision process, combined with the long and successful track record of our clients and industry partners allow us to select only the best and most advantageously-priced opportunities. This results in above-average, predictable returns to our financing and investing partners.
Beginning in mid-2017 and continuing today, the rising delinquency rates of this consumer credit cycle has again become attractive to skilled debt buyers. We believe the ideal window to acquire, manage and liquidate semi-performing and non-performing consumer credit assets will continue for the next 4-7 years.
SENIOR LENDER RETURN 13-17%
JUNIOR (SECOND-LIEN) LENDER RETURN 18-22%
AUTO TITLE LENDING
SECURED CONSUMER LENDING
Auto title lending represents a highly profitable consumer credit asset class in the non-prime, subprime and deep subprime lending tiers. However, auto title loans typically are not high-risk investments because investors maintain a senior secured position against the underlying collateral (the vehicle). Our partners lend at a 50-60% LTV against the wholesale value of the automobile for terms in the range of 24-36 months. Our expertise in risk management and delinquent auto account liquidation makes this investment space attractive because it provides lenders and investors a favorable risk-reward ratio.
SENIOR LENDER RETURN 9-12%
JUNIOR (SECOND-LIEN) LENDER RETURN 13-18%
WORKPLACE DIRECT EMPLOYEE LENDING
EMPLOYMENT-BASED consumer LENDING
Workplace direct employee lending is a new and innovative type of unsecured consumer lending. Employees of carefully selected firms receive loans directly through their workplaces. Consumers' eligibility for workplace loans depend on their length of service with their employer instead of their credit scores. In effect, their jobs are their credit. Additionally, workplace direct loans are repaid by direct payroll deductions from borrowers’ paychecks resulting in low and predictable delinquency rates. Defaults typically occur if a borrower loses his or her job. Our lending partners specialize in government, utility and medical service companies with low turnover rates.